AF
SBA 7(a) franchise lending portfolio
Arizona Financial Credit Union
GOOD risk
- Total loans
- 52
- Loan volume
- $59.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 7.3%
- vs 15.4% national avg
Defaults
3
Avg interest
6.29%
Franchises funded
44
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| One Hour Air Conditioning & He | 2 | $300K | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 2 | $5.1M | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 2 | $1.7M | 0.0% (low risk) |
| The Flame Broiler The Rice Bow | 2 | $204K | 0.0% (low risk) |
| Burger 21 | 2 | $1.1M | 50.0% (very high risk) |
| Native New Yorker | 2 | $3.9M | 0.0% (low risk) |
| Motel 6 | 2 | $4.1M | N/A |
| Motel 6 | 2 | $2.3M | 0.0% (low risk) |
| Exxon | 1 | $1.4M | 0.0% (low risk) |
| Which Wich | 1 | $2.0M | 100.0% (very high risk) |
| Comfort Keepers | 1 | $1.5M | 0.0% (low risk) |
| Burger King | 1 | $3.4M | 0.0% (low risk) |
| State Farm Insurance | 1 | $1.7M | 0.0% (low risk) |
| Painting With A Twist | 1 | $100K | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $1.1M | 0.0% (low risk) |
| The Flame Broiler | 1 | $210K | 0.0% (low risk) |
| Panera Bread | 1 | $3.6M | 0.0% (low risk) |
| Days Inn | 1 | $1.8M | 0.0% (low risk) |
| Papa Murphy's | 1 | $399K | 0.0% (low risk) |
| Kawasaki | 1 | $120K | 0.0% (low risk) |
Lending volume by year
1'11
1'12
5'13
9'14
9'15
6'17
6'18
5'19
2'20
3'21
2'22
1'25
2'26
Arizona Financial Credit Union charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$59.0M
Defaults3 of 52
Risk tierGOOD
Avg rate6.29%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Arizona Financial Credit Union originated?
- 52 loans totaling $59.0M. The portfolio carries a 7.3% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Arizona Financial Credit Union fund the most?
- The “Top franchise exposures” table above lists the brands Arizona Financial Credit Union has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.