![Citizens Community Federal National Association logo](https://cdn.brandfetch.io/citizenscommunityfederal.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Citizens Community Federal National Association
EXCELLENT risk
- Total loans
- 45
- Loan volume
- $40.2M
- Avg loan size
- $893K
- Default 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% |
| Yogi Bear's Jellystone Park Ca | 3 | $12.3M | 0.0% |
| Culver's | 3 | $225K | 0.0% |
| Ameriprise Financial | 3 | $2.5M | 0.0% |
| Yogi Bear's Jellystone Park | 2 | $1.9M | 50.0% |
| Koa Kampgrounds(kampgrounds Of | 2 | $568K | 0.0% |
| Holiday Station | 2 | $4.3M | 0.0% |
| Culver's Frozen Custard | 1 | $1.8M | 0.0% |
| Scott's Lawnservice | 1 | $174K | 0.0% |
| Jellystone Park & Campgrounds | 1 | $1.3M | 0.0% |
| Grand Rental Station | 1 | $494K | 0.0% |
| Anytime Fitness | 1 | $262K | 0.0% |
| Pearle Vision | 1 | $460K | 0.0% |
| Erbert & Gerbert's Subs & Club | 1 | $225K | 0.0% |
| H&r Block | 1 | $150K | 0.0% |
| Real Deals on Home Decor | 1 | $90K | 0.0% |
| Mathnasium Learning Centers | 1 | $145K | 0.0% |
| Hardware Hank | 1 | $75K | 0.0% |
| Minuteman Press | 1 | $217K | — |
| Anytime Fitness | 1 | $489K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).