MA
SBA 7(a) franchise lending portfolio
Mountain America FCU
Risk rating: Excellent
- Total loans
- 153
- Loan volume
- $66.7M
- Avg loan size
- $436K
- Charge-off rate
- 3.5%
- vs 16.0% national
Charged off
3
Avg interest
7.19%
Franchises funded
98
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Domino's | 13 | $2.4M | N/A |
| The Back Nine | 6 | $1.3M | N/A |
| Wetzel's Pretzels | 5 | $1.5M | N/A |
| F45 Training | 4 | $428K | N/A |
| Bee Hive Homes Of America | 4 | $5.2M | N/A |
| Chem-Dry | 3 | $30K | N/A |
| Jackson Food Stores, Inc. (Exx | 3 | $2.0M | N/A |
| Tire Factory/Point S | 3 | $914K | N/A |
| Houston TX Hot Chicken | 3 | $1.3M | N/A |
| Subway Sandwich Shop | 2 | $261K | N/A |
| Quiznos | 2 | $125K | N/A |
| National Property Inspections | 2 | $50K | N/A |
| Dairy Queen of the Pacific Nor | 2 | $1.2M | N/A |
| Dunkin' Donuts | 2 | $595K | N/A |
| ServiceMaster | 2 | $886K | N/A |
| Dickey's Barbeque | 2 | $200K | N/A |
| Juice It Up | 2 | $210K | N/A |
| We Olive | 2 | $247K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2003 | 3 |
| FY2004 | 9 |
| FY2005 | 8 |
| FY2007 | 2 |
| FY2008 | 4 |
| FY2009 | 3 |
| FY2010 | 1 |
| FY2012 | 7 |
| FY2013 | 7 |
| FY2014 | 6 |
| FY2015 | 2 |
| FY2016 | 2 |
| FY2017 | 6 |
| FY2018 | 8 |
| FY2019 | 6 |
| FY2020 | 7 |
| FY2021 | 14 |
| FY2022 | 12 |
| FY2023 | 12 |
| FY2024 | 13 |
| FY2025 | 16 |
| FY2026 | 5 |
SBA 7(a) · charge-off rate by approval year
Mountain America FCU charge-off rate by loan vintage
None of these 13 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2003 | 3 | 0 | Too few |
| 2004 | 9 | 0 | Too few |
| 2005 | 8 | 1 | Too few |
| 2008 | 4 | 0 | Too few |
| 2009 | 3 | 1 | Too few |
| 2012 | 7 | 0 | Too few |
| 2013 | 7 | 1 | Too few |
| 2014 | 6 | 0 | Too few |
| 2017 | 6 | 0 | Too few |
| 2018 | 7 | 0 | Too few |
| 2019 | 3 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
| 2022 | 6 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Mountain America FCU originated?
- 153 loans totaling $66.7M. The portfolio carries a 3.5% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Mountain America FCU's rate of 3.5% is below the national rate.
- 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 Mountain America FCU fund the most?
- The “Top franchise exposures” table above lists the brands Mountain America FCU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.