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SBA 7(a) franchise lending portfolio
Telhio Credit Union Inc
ELEVATED risk
- Total loans
- 47
- Loan volume
- $21.2M
- Avg loan size
- $451K
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
2
Avg interest
8.28%
Franchises funded
30
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Playa Bowls | 6 | $1.3M | — |
| Petland/Safari Stan's | 4 | $4.6M | — |
| Kiddie Academy | 3 | $815K | — |
| Fastest Labs | 2 | $270K | 0.0% |
| Gigi's Cupcakes | 2 | $370K | 100.0% |
| Frutta Bowls | 2 | $219K | — |
| Tous Les Jours | 2 | $841K | — |
| The UPS Store (f/k/a Mail Box | 2 | $458K | — |
| Teriyaki Madness | 2 | $708K | — |
| Bahia Bowls | 2 | $405K | — |
| The UPS Store | 1 | $165K | 0.0% |
| Motel 6 | 1 | $3.5M | 0.0% |
| Hommati | 1 | $54K | 0.0% |
| Brain Balance | 1 | $234K | 0.0% |
| Tutor Doctor | 1 | $45K | 0.0% |
| Fab'rik | 1 | $150K | — |
| Subway | 1 | $261K | 0.0% |
| Orange Theory Fitness | 1 | $150K | — |
| America's Best Choice - Dealer | 1 | $250K | — |
| The Birthday Suit | 1 | $200K | — |
Lending volume by year
3'14
2'15
1'16
5'18
1'19
7'21
2'22
10'23
13'24
3'25
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%).