![Numerica CU logo](https://cdn.brandfetch.io/numericacu.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Numerica CU
EXCELLENT risk
- Total loans
- 25
- Loan volume
- $7.4M
- Avg loan size
- $295K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.92%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Elements Massage | 5 | $1.2M | 0.0% |
| The UPS Store (f/k/a Mail Box | 3 | $558K | 0.0% |
| Hut no.8 | 2 | $269K | 0.0% |
| USA Insulation | 2 | $447K | — |
| Crumbl | 2 | $895K | — |
| Speedpro Imaging | 1 | $70K | 0.0% |
| Heaven's Best Carpet/Upholst. | 1 | $200K | — |
| Snappy Tomato Pizza | 1 | $325K | — |
| Anytime Fitness | 1 | $450K | — |
| TruBlue | 1 | $105K | — |
| Shoot 360 | 1 | $576K | — |
| Dairy Queen Stores of Spokane, | 1 | $350K | 0.0% |
| Bruchi's Restaurant - Master L | 1 | $1.3M | — |
| Plato's Closet | 1 | $475K | — |
| Farmers Insurance Agent Appoin | 1 | $146K | — |
| Heaven's Best | 1 | $40K | — |
Lending volume by year
1'10
1'16
1'17
5'18
3'19
3'20
2'21
5'22
3'23
1'25
Geographic exposure
Portfolio summary
Total funded$7.4M
Defaults0 of 25
Risk tierEXCELLENT
Avg rate6.92%
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%).