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SBA 7(a) franchise lending portfolio
Navy FCU
EXCELLENT risk
- Total loans
- 38
- Loan volume
- $7.2M
- Avg loan size
- $190K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.98%
Franchises funded
32
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 3 | $318K | 0.0% |
| Jimmy John's | 3 | $889K | 0.0% |
| Tropical Smoothie | 2 | $349K | 0.0% |
| How Do You Roll? A Sushi Bar | 2 | $359K | 0.0% |
| Z-Coil | 1 | $128K | 0.0% |
| Five Guys Famous Burgers And F | 1 | $400K | 0.0% |
| Subway Sandwich Shop | 1 | $160K | 0.0% |
| Massage Heights | 1 | $130K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $105K | 0.0% |
| Larry's Giant Subs | 1 | $95K | 0.0% |
| World Of Beer | 1 | $350K | 0.0% |
| Midas Muffler Shop | 1 | $163K | 0.0% |
| Subway | 1 | $175K | 0.0% |
| Papa John's Pizza | 1 | $171K | 0.0% |
| Games2u | 1 | $86K | 0.0% |
| Budget Blinds | 1 | $122K | 0.0% |
| Charlie Graingers | 1 | $245K | 0.0% |
| Quiznos | 1 | $132K | 0.0% |
| Saladworks | 1 | $250K | 0.0% |
| Jets Pizza | 1 | $315K | 0.0% |
Lending volume by year
6'09
7'10
7'11
11'12
3'13
3'14
1'16
Navy FCU default rate by loan vintage
BrandNational avg
Geographic exposure
130.0%
60.0%
50.0%
40.0%
30.0%
20.0%
10.0%
10.0%
10.0%
10.0%
Portfolio summary
Total funded$7.2M
Defaults0 of 38
Risk tierEXCELLENT
Avg rate6.98%
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%).