TR
SBA 7(a) franchise lending portfolio
Three Rivers Federal Credit Union
AVERAGE risk
- Total loans
- 10
- Loan volume
- $11.3M
- Avg loan size
- $1.1M
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
6.69%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Critter Control | 2 | $75K | 0.0% (low risk) |
| General Nutrition Center | 1 | $147K | 0.0% (low risk) |
| General Nutrition Centers/Gnc | 1 | $490K | 0.0% (low risk) |
| Days Inn | 1 | $4.2M | 0.0% (low risk) |
| Best Western Inn | 1 | $150K | 0.0% (low risk) |
| Quality Inn | 1 | $5.0M | 100.0% (very high risk) |
| Dirty Dough | 1 | $250K | N/A |
| Holiday Inn Express/Holiday In | 1 | $912K | 0.0% (low risk) |
| Servpro | 1 | $50K | 0.0% (low risk) |
Lending volume by year
1'08
3'11
1'14
1'16
1'17
2'20
1'23
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 Three Rivers Federal Credit Union originated?
- 10 loans totaling $11.3M. The portfolio carries a 11.1% 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 Three Rivers Federal Credit Union fund the most?
- The “Top franchise exposures” table above lists the brands Three Rivers Federal 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.