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SBA 7(a) franchise lending portfolio
Self-Help Credit Union
AVERAGE risk
- Total loans
- 49
- Loan volume
- $4.3M
- Avg loan size
- $88K
- Default rate
- 12.2%
- vs 15.4% national avg
Defaults
6
Avg interest
6.38%
Franchises funded
39
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $613K | 0.0% |
| All Tune And Lube | 3 | $252K | 66.7% |
| Curves For Women | 3 | $162K | 33.3% |
| Signs By Tomorrow | 2 | $187K | 0.0% |
| Handyman Connection | 2 | $100K | 50.0% |
| Servpro | 2 | $215K | 0.0% |
| Cash Converters | 1 | $150K | 0.0% |
| Papa John's Pizza | 1 | $85K | 0.0% |
| Dairy Queen | 1 | $300K | 0.0% |
| Winestyles, Inc. | 1 | $60K | 0.0% |
| Mad Science Group, The | 1 | $60K | 0.0% |
| Sylvan Learning Center | 1 | $60K | 0.0% |
| Dream Dinners | 1 | $50K | 0.0% |
| Great Clips | 1 | $80K | 0.0% |
| Cold Stone Creamery, Inc. | 1 | $98K | 0.0% |
| Supper Thyme Usa | 1 | $150K | 100.0% |
| Merle Norman Cosmetics | 1 | $60K | 0.0% |
| Decorating Den System | 1 | $40K | 0.0% |
| Money Mailer | 1 | $42K | 0.0% |
| Pretzel Twister | 1 | $85K | 0.0% |
Lending volume by year
1'92
1'97
1'99
5'01
5'02
5'03
8'04
9'05
5'06
1'07
6'08
1'09
1'15
Self-Help Credit Union default rate by loan vintage
BrandNational avg
Geographic exposure
4812.5%
10.0%
Portfolio summary
Total funded$4.3M
Defaults6 of 49
Risk tierAVERAGE
Avg rate6.38%
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%).