Profit Margin
12.2%
Net income ÷ total receipts (IRS SOI)
Finance and Insurance ·NAICS 5223
NAICS 5223 · IRS SOI 2023 · Census CBP
Activities Related to Credit Intermediation - Industry Benchmarks
$113,581/yr average annual pay, with 364 SBA loans on record for NAICS 5223.
- 12.2%
- Net margin
- 311K
- Workers employed
- $113,581/yr
- Avg payroll / employee
- $211M
- SBA lending, FY20–26
Data updated July 2026
The verdict · NAICS 5223
Activities Related to Credit Intermediation runs a 12.2% pre-tax net margin - above average for US industries - across 26K establishments employing 311K workers.
- 12.2%
- Pre-tax net margin (IRS SOI)
- 311K
- Workers employed (Census CBP)
- $113,581/yr
- Avg payroll / employee
- $211M
- SBA lending, FY20–26
Benchmarking Insights for Activities Related to Credit Intermediation
Activities Related to Credit Intermediation sits inside Finance and Insurance at a 12.2% net margin (above average for US industries), $59.4B in aggregate receipts across 16,800 returns, averaging $3.5B per establishment.
25,803 establishments employ 310,591 workers (12.0/location) at $113,581/yr average annual pay. Florida leads employment, followed by Georgia and New York.
Total Receipts
$59.4B
Annual revenue (IRS SOI)
Net Income
$7.2B
Pre-tax net income
Employment
310,591
Total employees (Census CBP)
Avg Payroll / Employee
$113,581/yr
Annual compensation
Establishments
25,803
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment decreased by 16,736; establishment count decreased by 2,305. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Where each dollar of Activities Related to Credit Intermediation revenue goes
Workforce scale
Activities Related to Credit Intermediation margin vs national reference points
Activities Related to Credit Intermediation net margin 40.6%
Cross-industry median (5%)
p25/median/p75 = 3%/5%/8%
Business Structure Breakdown
How businesses in this industry are legally structured (IRS SOI)
C Corporation
16,800 returns 100%
Margin: 12.2% · Receipts: $59.4B
Financial Detail
- Total Tax Returns Filed
- 16,800
- Avg Receipts per Business
- $3.5B
- Annual Payroll (Total)
- $35.3B
- Avg Employees per Establishment
- 12.0
Sub-Industries
| Industry | Profit Margin |
|---|---|
| Financial Transactions Processing, Reserve, and Clearinghouse Activities NAICS 52232 | N/A |
| Mortgage and Nonmortgage Loan Brokers NAICS 52231 | N/A |
| Other Activities Related to Credit Intermediation NAICS 52239 | N/A |
Top States by Employment
| State | Employment |
|---|---|
| Florida | 20,615 |
| Georgia | 15,914 |
| New York | 15,346 |
| Illinois | 12,238 |
| Ohio | 9,044 |
| Colorado | 6,886 |
| Tennessee | 6,350 |
| Nevada | 5,684 |
| Maryland | 5,373 |
| Washington | 4,749 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
364
Total Loan Volume
$211M
Avg Loan Size
$579K
Jobs Supported
3,651
Program Breakdown
7(a) 307 (84%)
504 57 (16%)
Top SBA Lender
BayFirst National Bank
29 loans in this industry
New Business Share
15.9% of borrowers were new/startup businesses
Annual Lending Trend (7 yrs)
2020 40
2021 59
2022 66
2023 58
2024 49
2025 87
2026 5
Frequently Asked Questions
What is the average revenue for Activities Related to Credit Intermediation?
$59.4B in total annual receipts across all Activities Related to Credit Intermediation businesses. Average per business: $3.5B.
How profitable is Activities Related to Credit Intermediation?
12.2% net profit margin, above average for US industries.
How many businesses are in Activities Related to Credit Intermediation?
25,803 business establishments. Together they employ 310,591 workers.
What is the average payroll per employee in Activities Related to Credit Intermediation?
$113,581/yr average annual pay per employee. Businesses average 12.0 employees per establishment.
Which states have the most Activities Related to Credit Intermediation employment?
Florida leads with 20,615 workers. Georgia (15,914) and New York (15,346) round out the top three.
How much SBA lending does Activities Related to Credit Intermediation receive?
Activities Related to Credit Intermediation businesses received 364 SBA loans totaling $211 million between FY2020 and FY2026. The average loan size was $579K. These loans supported 3,651 jobs at origination. Most lending (84%) came through the SBA 7(a) program.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Activities Related to Credit Intermediation reports a higher net margin than 87% of the 126 IRS-tracked industries at the same NAICS detail level. Its Census employment total exceeds 65% of that same 259-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest reported net margins
Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
- Medical Equipment and Supplies Manufacturing 308,388
- Other Support Services 307,764
- Motion Picture and Video Industries 307,031
Benchmarking Activities Related to Credit Intermediation
- Net margin: 12.2% vs sector. Browse Finance and Insurance
- 25,803 establishments, 310,591 workers. Payroll benchmarks
- 364 SBA loans on record. SBA lending rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 5223 · Data year: 2023
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.