CU
SBA 7(a) franchise lending portfolio
Credit Union One
EXCELLENT risk
- Total loans
- 21
- Loan volume
- $13.1M
- Avg loan size
- $625K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.73%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Burger King | 5 | $4.6M | 0.0% (low risk) |
| Planet Fitness | 5 | $4.6M | 0.0% (low risk) |
| Big Boy | 2 | $946K | 0.0% (low risk) |
| Jimmy John's | 1 | $350K | 0.0% (low risk) |
| Pinot's Palette | 1 | $150K | 0.0% (low risk) |
| Marathon Oil Company | 1 | $525K | 0.0% (low risk) |
| Tim Horton Donuts | 1 | $305K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $233K | 0.0% (low risk) |
| Verizon Wireless Zone | 1 | $350K | 0.0% (low risk) |
| The UPS Store | 1 | $150K | 0.0% (low risk) |
| Great Clips | 1 | $150K | 0.0% (low risk) |
| Coachmefit | 1 | $775K | 0.0% (low risk) |
Lending volume by year
2'11
6'12
7'13
2'14
1'15
3'16
Credit Union One charge-off rate by loan vintage
BrandNational avg
Geographic exposure
210.0% (low risk)
Portfolio summary
Total funded$13.1M
Defaults0 of 21
Risk tierEXCELLENT
Avg rate5.73%
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 Credit Union One originated?
- 21 loans totaling $13.1M. The portfolio carries a 0.0% 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 Credit Union One fund the most?
- The “Top franchise exposures” table above lists the brands Credit Union One has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.