RF
SBA 7(a) franchise lending portfolio
Randolph-Brooks FCU
CRITICAL risk
- Total loans
- 41
- Loan volume
- $21.5M
- Avg loan size
- $524K
- Charge-off 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% (very high risk) |
| Once Upon A Child | 2 | $419K | 0.0% (low risk) |
| Lillians Shoppes | 2 | $69K | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 2 | $4.1M | 0.0% (low risk) |
| Molly Maid | 1 | $50K | 0.0% (low risk) |
| Batteries Plus | 1 | $231K | 0.0% (low risk) |
| Jazzercise | 1 | $40K | 100.0% (very high risk) |
| Filtafry | 1 | $50K | 0.0% (low risk) |
| Koko Fitclub | 1 | $235K | 0.0% (low risk) |
| Glass Doctor | 1 | $144K | 100.0% (very high risk) |
| CycleBar | 1 | $505K | 100.0% (very high risk) |
| Batteries Plus Bulbs | 1 | $249K | 100.0% (very high risk) |
| The UPS Store | 1 | $316K | 0.0% (low risk) |
| Half Price Boxes (License and | 1 | $1.3M | N/A |
| Wing Zone | 1 | $326K | N/A |
| 9Round | 1 | $115K | 0.0% (low risk) |
| Newk's Express Cafe Restaurant | 1 | $859K | 0.0% (low risk) |
| The Grout Medic | 1 | $800K | 0.0% (low risk) |
| Clothes Mentor | 1 | $150K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $274K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
4128.6% (very high risk)
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
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 Randolph-Brooks FCU originated?
- 41 loans totaling $21.5M. The portfolio carries a 28.6% 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 Randolph-Brooks FCU fund the most?
- The “Top franchise exposures” table above lists the brands Randolph-Brooks FCU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.