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SBA 7(a) franchise lending portfolio
Randolph-Brooks FCU
CRITICAL risk
- Total loans
- 41
- Loan volume
- $21.5M
- Avg loan size
- $524K
- Default rate
- 28.6%
- vs 15.4% national avg
Defaults
10
Avg interest
5.70%
Franchises funded
36
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Leaf Frozen Yogurt | 3 | $382K | 66.7% |
| Once Upon A Child | 2 | $419K | 0.0% |
| Lillians Shoppes | 2 | $69K | 0.0% |
| Quality Inn/Quality Suites, Ho | 2 | $4.1M | 0.0% |
| Molly Maid | 1 | $50K | 0.0% |
| Batteries Plus | 1 | $231K | 0.0% |
| Jazzercise | 1 | $40K | 100.0% |
| Filtafry | 1 | $50K | 0.0% |
| Koko Fitclub | 1 | $235K | 0.0% |
| Glass Doctor | 1 | $144K | 100.0% |
| CycleBar | 1 | $505K | 100.0% |
| Batteries Plus Bulbs | 1 | $249K | 100.0% |
| The UPS Store | 1 | $316K | 0.0% |
| Half Price Boxes (License and | 1 | $1.3M | — |
| Wing Zone | 1 | $326K | — |
| 9Round | 1 | $115K | 0.0% |
| Newk's Express Cafe Restaurant | 1 | $859K | 0.0% |
| The Grout Medic | 1 | $800K | 0.0% |
| Clothes Mentor | 1 | $150K | 0.0% |
| Little Ceasar's Pizza | 1 | $274K | 0.0% |
Lending volume by year
3'08
1'09
1'10
1'11
2'12
3'13
4'14
10'15
4'16
2'17
5'18
2'19
2'20
1'21
Randolph-Brooks FCU default rate by loan vintage
BrandNational avg
Geographic exposure
4128.6%
Portfolio summary
Total funded$21.5M
Defaults10 of 41
Risk tierCRITICAL
Avg rate5.70%
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%).