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SBA 7(a) franchise lending portfolio
First U.S. Community CU
CRITICAL risk
- Total loans
- 19
- Loan volume
- $4.1M
- Avg loan size
- $217K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.49%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jamba Juice | 3 | $329K | 0.0% |
| Dickey's Barbecue Pit | 3 | $800K | 100.0% |
| Subway Sandwich Shop | 2 | $415K | 0.0% |
| Dickey's Barbeque | 2 | $390K | 0.0% |
| Subway | 2 | $545K | 0.0% |
| Curves For Women | 1 | $217K | 0.0% |
| The UPS Store | 1 | $245K | 0.0% |
| Oxford Learning Centers | 1 | $50K | — |
| Johnny Rockets | 1 | $355K | 0.0% |
| Professional Home Staging And | 1 | $180K | — |
| Blast & Brew | 1 | $498K | — |
| PuroClean | 1 | $105K | — |
Lending volume by year
1'07
1'09
2'11
1'12
4'13
3'14
2'15
1'17
2'18
2'23
Geographic exposure
1920.0%
Portfolio summary
Total funded$4.1M
Defaults3 of 19
Risk tierCRITICAL
Avg rate6.49%
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%).