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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
- Default 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% |
| General Nutrition Center | 1 | $147K | 0.0% |
| General Nutrition Centers/Gnc | 1 | $490K | 0.0% |
| Days Inn | 1 | $4.2M | 0.0% |
| Best Western Inn | 1 | $150K | 0.0% |
| Quality Inn | 1 | $5.0M | 100.0% |
| Dirty Dough | 1 | $250K | — |
| Holiday Inn Express/Holiday In | 1 | $912K | 0.0% |
| Servpro | 1 | $50K | 0.0% |
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
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%).