NC
SBA 7(a) franchise lending portfolio
National Credit Union Administration
CRITICAL risk
- Total loans
- 13
- Loan volume
- $2.9M
- Avg loan size
- $227K
- Charge-off rate
- 38.5%
- vs 15.4% national avg
Defaults
5
Avg interest
N/A
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Red Brick Pizza | 2 | $450K | 50.0% (very high risk) |
| Quiznos | 2 | $365K | 0.0% (low risk) |
| Camille's Sidewalk Cafe | 1 | $322K | 100.0% (very high risk) |
| Pressed4time | 1 | $50K | 0.0% (low risk) |
| Robeks Juice | 1 | $260K | 100.0% (very high risk) |
| Pizza Factory | 1 | $200K | 100.0% (very high risk) |
| Merle Norman Cosmetics | 1 | $54K | 0.0% (low risk) |
| Aim Mail Center | 1 | $148K | 0.0% (low risk) |
| Midas Muffler Shop | 1 | $645K | 0.0% (low risk) |
| Bruegger's | 1 | $352K | 100.0% (very high risk) |
| Servpro | 1 | $104K | 0.0% (low risk) |
Lending volume by year
1'02
2'03
4'04
4'05
2'08
Geographic exposure
Portfolio summary
Total funded$2.9M
Defaults5 of 13
Risk tierCRITICAL
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 Credit Union Administration originated?
- 13 loans totaling $2.9M. The portfolio carries a 38.5% 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 Credit Union Administration fund the most?
- The “Top franchise exposures” table above lists the brands National Credit Union Administration has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.