CC
SBA 7(a) franchise lending portfolio
Citizens Community Federal National Association
EXCELLENT risk
- Total loans
- 45
- Loan volume
- $40.2M
- Avg loan size
- $893K
- Charge-off rate
- 2.8%
- vs 15.4% national avg
Defaults
1
Avg interest
6.31%
Franchises funded
26
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ameriprise Financial | 11 | $5.7M | 0.0% (low risk) |
| Yogi Bear's Jellystone Park Ca | 3 | $12.3M | 0.0% (low risk) |
| Culver's | 3 | $225K | 0.0% (low risk) |
| Ameriprise Financial | 3 | $2.5M | 0.0% (low risk) |
| Yogi Bear's Jellystone Park | 2 | $1.9M | 50.0% (very high risk) |
| Koa Kampgrounds(kampgrounds Of | 2 | $568K | 0.0% (low risk) |
| Holiday Station | 2 | $4.3M | 0.0% (low risk) |
| Culver's Frozen Custard | 1 | $1.8M | 0.0% (low risk) |
| Scott's Lawnservice | 1 | $174K | 0.0% (low risk) |
| Jellystone Park & Campgrounds | 1 | $1.3M | 0.0% (low risk) |
| Grand Rental Station | 1 | $494K | 0.0% (low risk) |
| Anytime Fitness | 1 | $262K | 0.0% (low risk) |
| Pearle Vision | 1 | $460K | 0.0% (low risk) |
| Erbert & Gerbert's Subs & Club | 1 | $225K | 0.0% (low risk) |
| H&r Block | 1 | $150K | 0.0% (low risk) |
| Real Deals on Home Decor | 1 | $90K | 0.0% (low risk) |
| Mathnasium Learning Centers | 1 | $145K | 0.0% (low risk) |
| Hardware Hank | 1 | $75K | 0.0% (low risk) |
| Minuteman Press | 1 | $217K | N/A |
| Anytime Fitness | 1 | $489K | 0.0% (low risk) |
Lending volume by year
2'02
1'04
1'07
1'08
1'09
1'12
1'13
2'14
4'15
8'16
6'17
4'18
2'20
2'21
3'22
4'24
1'25
1'26
Citizens Community Federal National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$40.2M
Defaults1 of 45
Risk tierEXCELLENT
Avg rate6.31%
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 Citizens Community Federal National Association originated?
- 45 loans totaling $40.2M. The portfolio carries a 2.8% charge-off rate, earning a “EXCELLENT” 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 Citizens Community Federal National Association fund the most?
- The “Top franchise exposures” table above lists the brands Citizens Community Federal National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.