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SBA 7(a) franchise lending portfolio
Northwest FCU
CRITICAL risk
- Total loans
- 13
- Loan volume
- $10.2M
- Avg loan size
- $782K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.88%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Golden Corral | 2 | $1.1M | 0.0% |
| U.s. Lawns | 1 | $102K | — |
| Plato's Closet | 1 | $300K | — |
| Massage Heights | 1 | $1.1M | 100.0% |
| Great American Cookies | 1 | $150K | 0.0% |
| The Learning Experience | 1 | $350K | 0.0% |
| Candlewood Suites | 1 | $3.2M | 0.0% |
| Comfort Keepers | 1 | $1.1M | 0.0% |
| KFC | 1 | $670K | 0.0% |
| The UPS Store | 1 | $540K | 0.0% |
| Quality Inn/Quality Suites, Ho | 1 | $1.5M | — |
| Title Boxing Club | 1 | $150K | 100.0% |
Lending volume by year
4'14
8'15
1'17
Geographic exposure
433.3%
30.0%
10.0%
1100.0%
10.0%
10.0%
10.0%
Portfolio summary
Total funded$10.2M
Defaults2 of 13
Risk tierCRITICAL
Avg rate5.88%
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%).