![Mountain America FCU logo](https://cdn.brandfetch.io/mountainamericafcu.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
Mountain America FCU
EXCELLENT risk
- Total loans
- 153
- Loan volume
- $66.7M
- Avg loan size
- $436K
- Default rate
- 3.5%
- vs 15.4% national avg
Defaults
3
Avg interest
7.19%
Franchises funded
98
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's | 13 | $2.4M | 0.0% |
| The Back Nine | 6 | $1.3M | 0.0% |
| F45 Training | 4 | $428K | 0.0% |
| Chem-Dry | 3 | $30K | 0.0% |
| Jackson Food Stores, Inc. (Exx | 3 | $2.0M | 0.0% |
| Tire Factory/Point S | 3 | $914K | 0.0% |
| Houston TX Hot Chicken | 3 | $1.3M | 0.0% |
| Wetzel's Pretzels | 3 | $1.3M | — |
| Subway Sandwich Shop | 2 | $261K | 0.0% |
| Quiznos | 2 | $125K | 50.0% |
| Bee Hive Homes Of America | 2 | $3.5M | 0.0% |
| National Property Inspections | 2 | $50K | 0.0% |
| Dairy Queen of the Pacific Nor | 2 | $1.2M | 0.0% |
| Dunkin' Donuts | 2 | $595K | 0.0% |
| ServiceMaster | 2 | $886K | 0.0% |
| Bee Hive Homes | 2 | $1.7M | 0.0% |
| Dickey's Barbeque | 2 | $200K | 0.0% |
| Juice It Up | 2 | $210K | 0.0% |
| Wetzel's Pretzels | 2 | $190K | 0.0% |
| We Olive | 2 | $247K | 0.0% |
Lending volume by year
3'03
9
8
2
4
3'09
1
7
7
6
2'15
2
6
8
6
7'20
14
12
12
13
16'25
5'26
Mountain America FCU 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%).