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SBA 7(a) franchise lending portfolio
Members Choice CU
EXCELLENT risk
- Total loans
- 27
- Loan volume
- $58.2M
- Avg loan size
- $2.2M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.70%
Franchises funded
20
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kids 'r' Kids | 7 | $31.5M | 0.0% |
| Jersey Mike's | 2 | $746K | 0.0% |
| Holiday Inn | 1 | $5.0M | 0.0% |
| Plan Ahead Events | 1 | $40K | 0.0% |
| Best Western Inn | 1 | $1.7M | 0.0% |
| The UPS Store | 1 | $375K | 0.0% |
| State Farm Insurance | 1 | $120K | 0.0% |
| Carstar Automotive | 1 | $2.1M | 0.0% |
| Goosehead Insurance | 1 | $80K | 0.0% |
| Microtel | 1 | $4.8M | 0.0% |
| Alphagraphics | 1 | $790K | — |
| Jersey Mike's (deli Restaurant | 1 | $285K | 0.0% |
| Staybridge Suites | 1 | $5.0M | 0.0% |
| Firstlight Homecare | 1 | $125K | 0.0% |
| Childrens Lighthouse | 1 | $1.6M | 0.0% |
| Preppy Pets | 1 | $190K | 0.0% |
| Furniture Medic | 1 | $75K | 0.0% |
| TemperaturePro | 1 | $280K | 0.0% |
| Maidpro | 1 | $230K | 0.0% |
| Baymont Inn & Suites | 1 | $3.2M | 0.0% |
Lending volume by year
1'10
3'11
2'12
1'13
6'14
6'15
4'16
4'17
Members Choice CU default rate by loan vintage
BrandNational avg
Geographic exposure
270.0%
Portfolio summary
Total funded$58.2M
Defaults0 of 27
Risk tierEXCELLENT
Avg rate5.70%
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%).