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SBA 7(a) franchise lending portfolio
Arizona Financial Credit Union
GOOD risk
- Total loans
- 52
- Loan volume
- $59.0M
- Avg loan size
- $1.1M
- Default 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% |
| Quality Inn/Quality Suites, Ho | 2 | $5.1M | 0.0% |
| Dairy Queen Grill & Chill/Texa | 2 | $1.7M | 0.0% |
| The Flame Broiler The Rice Bow | 2 | $204K | 0.0% |
| Burger 21 | 2 | $1.1M | 50.0% |
| Native New Yorker | 2 | $3.9M | 0.0% |
| Motel 6 | 2 | $4.1M | — |
| Motel 6 | 2 | $2.3M | 0.0% |
| Exxon | 1 | $1.4M | 0.0% |
| Which Wich | 1 | $2.0M | 100.0% |
| Comfort Keepers | 1 | $1.5M | 0.0% |
| Burger King | 1 | $3.4M | 0.0% |
| State Farm Insurance | 1 | $1.7M | 0.0% |
| Painting With A Twist | 1 | $100K | 0.0% |
| Chevron (gas Station) | 1 | $1.1M | 0.0% |
| The Flame Broiler | 1 | $210K | 0.0% |
| Panera Bread | 1 | $3.6M | 0.0% |
| Days Inn | 1 | $1.8M | 0.0% |
| Papa Murphy's | 1 | $399K | 0.0% |
| Kawasaki | 1 | $120K | 0.0% |
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 default 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
Default 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%), Critical (>20%).