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FranchiseVerdict

SBA 7(a) franchise lending portfolio

National Cooperative Bank, National Association

Risk rating: High Risk
Total loans
133
Loan volume
$72.6M
Avg loan size
$546K
Charge-off rate
21.7%
vs 16.0% national

Charged off

26

Avg interest

5.62%

Franchises funded

32

Risk rating

High Risk

Top franchise exposures

FranchiseLoansVolumeCharge-off %
Ace Hardware44$38.5M19.4% (elevated)
Qdoba Mexican Grill16$7.3M0.0% (excellent)
Dunkin Donuts9$4.4MN/A
True Value Hardware9$5.6MN/A
Cottman Transmission8$1.2MN/A
Baskin-Robbins 31 Ice Cream4$575KN/A
Subway Sandwich Shop4$532KN/A
Atlanta Bread Company4$2.1MN/A
Papa Murphy's Take & Bake Pizz4$1.2MN/A
Moe's Sw Grill3$1.2MN/A
Quiznos3$405KN/A
Hamburger Mary's Organic Grill2$1.2MN/A
Steak Escape2$425KN/A
Frozen Ropes Northshore2$560KN/A
Medicap Pharmacy2$263KN/A
Howard Johnson2$2.4MN/A
Nice N Easy Grocery Shoppes1$800KN/A
Foot Solutions1$105KN/A
Fleet Feet1$675KN/A

SBA 7(a) · charge-off rate by approval year

National Cooperative Bank, National Association: above all franchise loans in 4 of 5 rated years

National Cooperative Bank, National Association: above all franchise loans in 4 of 5 rated yearsNational Cooperative Bank, National Association charge-off rate by loan vintage. 12 approval years, 2001 to 2019; the 5 with at least 10 resolved loans are plotted, against all franchise loans approved the same year. Their rates run from 0.0% to 72.7%.

Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.

Show the numbers by year
YearResolvedCharged offRate
200192Too few
200221419.0%
200314321.4%
200690Too few
200711872.7%
200818633.3%
200942Too few
20101100.0%
201140Too few
201230Too few
201330Too few
201930Too few

Dashed line: all franchise 7(a) loans approved the same year.

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.

Geographic exposure

Texas
1433.3% (high risk)
Florida
1225.0% (high risk)
Maryland
100.0% (excellent)
North Carolina
9N/A
New York
9N/A
Virginia
9N/A
California
7N/A
Georgia
7N/A
Washington DC
6N/A
Ohio
6N/A

Portfolio summary

Total funded$72.6M
Charged off26 of 133
Risk tierHigh Risk
Avg rate5.62%

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 Cooperative Bank, National Association originated?
133 loans totaling $72.6M. The portfolio carries a 21.7% charge-off rate, earning a “High Risk” 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. National Cooperative Bank, National Association's rate of 21.7% is above 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 National Cooperative Bank, National Association fund the most?
The “Top franchise exposures” table above lists the brands National Cooperative Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.