NC
SBA 7(a) franchise lending portfolio
National Consumer Cooperative Bank
CRITICAL risk
- Total loans
- 19
- Loan volume
- $8.1M
- Avg loan size
- $426K
- Charge-off rate
- 42.1%
- vs 15.4% national avg
Defaults
8
Avg interest
6.00%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ace Hardware | 6 | $3.2M | 33.3% (very high risk) |
| Atlanta Bread Company | 3 | $1.9M | 66.7% (very high risk) |
| Dunkin Donuts | 2 | $425K | 50.0% (very high risk) |
| Do It Best Hardware | 2 | $750K | 100.0% (very high risk) |
| Honey Dew Donuts | 1 | $285K | 0.0% (low risk) |
| True Value Hardware | 1 | $200K | 0.0% (low risk) |
| Lawn Doctor | 1 | $125K | 0.0% (low risk) |
| Moe's Sw Grill | 1 | $325K | 0.0% (low risk) |
| Premier Rental Purchase | 1 | $440K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $425K | 0.0% (low risk) |
Lending volume by year
1'02
5'04
6'05
4'06
2'08
1'09
National Consumer Cooperative Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
366.7% (very high risk)
3100.0% (very high risk)
250.0% (very high risk)
20.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
10.0% (low risk)
Portfolio summary
Total funded$8.1M
Defaults8 of 19
Risk tierCRITICAL
Avg rate6.00%
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 National Consumer Cooperative Bank originated?
- 19 loans totaling $8.1M. The portfolio carries a 42.1% charge-off rate, earning a “CRITICAL” 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 National Consumer Cooperative Bank fund the most?
- The “Top franchise exposures” table above lists the brands National Consumer Cooperative Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.