SC
SBA 7(a) franchise lending portfolio
Self-Help Credit Union
AVERAGE risk
- Total loans
- 49
- Loan volume
- $4.3M
- Avg loan size
- $88K
- Charge-off 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% (low risk) |
| All Tune And Lube | 3 | $252K | 66.7% (very high risk) |
| Curves For Women | 3 | $162K | 33.3% (very high risk) |
| Signs By Tomorrow | 2 | $187K | 0.0% (low risk) |
| Handyman Connection | 2 | $100K | 50.0% (very high risk) |
| Servpro | 2 | $215K | 0.0% (low risk) |
| Cash Converters | 1 | $150K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $85K | 0.0% (low risk) |
| Dairy Queen | 1 | $300K | 0.0% (low risk) |
| Winestyles, Inc. | 1 | $60K | 0.0% (low risk) |
| Mad Science Group, The | 1 | $60K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $60K | 0.0% (low risk) |
| Dream Dinners | 1 | $50K | 0.0% (low risk) |
| Great Clips | 1 | $80K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $98K | 0.0% (low risk) |
| Supper Thyme Usa | 1 | $150K | 100.0% (very high risk) |
| Merle Norman Cosmetics | 1 | $60K | 0.0% (low risk) |
| Decorating Den System | 1 | $40K | 0.0% (low risk) |
| Money Mailer | 1 | $42K | 0.0% (low risk) |
| Pretzel Twister | 1 | $85K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
4812.5% (elevated risk)
10.0% (low risk)
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
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 Self-Help Credit Union originated?
- 49 loans totaling $4.3M. The portfolio carries a 12.2% charge-off rate, earning a “AVERAGE” 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 Self-Help Credit Union fund the most?
- The “Top franchise exposures” table above lists the brands Self-Help Credit Union has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.