LC
SBA 7(a) franchise lending portfolio
LGE Community CU
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $19.1M
- Avg loan size
- $1.1M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.29%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 2 | $3.2M | 0.0% (low risk) |
| Uncle Maddio's Pizza Joint | 1 | $320K | 0.0% (low risk) |
| Uncle Maddio's Pizza Joint | 1 | $496K | 0.0% (low risk) |
| Launch Trampoline Park | 1 | $2.1M | 0.0% (low risk) |
| Fuddrucker's | 1 | $350K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $630K | N/A |
| MAACO | 1 | $495K | 0.0% (low risk) |
| Fairfield by Marriott/Fairfiel | 1 | $3.8M | 0.0% (low risk) |
| avid Hotels | 1 | $600K | N/A |
| ServiceMaster | 1 | $1.1M | 0.0% (low risk) |
| Whit's Frozen Custard | 1 | $423K | N/A |
| Citgo Petroleum Corporation - | 1 | $643K | N/A |
| Dunkin' Donuts | 1 | $590K | N/A |
| Chevron - Retail Supply Contra | 1 | $1.1M | N/A |
| Subway | 1 | $350K | N/A |
| Cicis | 1 | $1.5M | N/A |
| Econo Lodge by Choice Hotels/E | 1 | $1.4M | N/A |
Lending volume by year
1'12
1'13
2'14
1'17
6'20
2'21
2'22
1'23
2'25
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 LGE Community CU originated?
- 18 loans totaling $19.1M. 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 LGE Community CU fund the most?
- The “Top franchise exposures” table above lists the brands LGE Community CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.