US
SBA 7(a) franchise lending portfolio
Union Savings Bank
ELEVATED risk
- Total loans
- 14
- Loan volume
- $1.6M
- Avg loan size
- $117K
- Charge-off rate
- 15.4%
- vs 15.4% national avg
Defaults
2
Avg interest
6.09%
Franchises funded
9
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sylvan Learning Center | 3 | $680K | 33.3% (very high risk) |
| Domino's Pizza | 2 | $150K | 0.0% (low risk) |
| Maids (the) | 2 | $146K | 0.0% (low risk) |
| Sears Catalog Store | 2 | $105K | 0.0% (low risk) |
| Bagelman | 1 | $100K | 0.0% (low risk) |
| Jackson Hewitt Tax Service | 1 | $40K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $270K | 100.0% (very high risk) |
| Sign-A-Rama | 1 | $50K | 0.0% (low risk) |
| Alphagraphics, Printshops Of T | 1 | $100K | N/A |
Lending volume by year
1'95
2'96
1'98
2'09
7'10
1'12
Geographic exposure
1415.4% (high risk)
Portfolio summary
Total funded$1.6M
Defaults2 of 14
Risk tierELEVATED
Avg rate6.09%
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 Union Savings Bank originated?
- 14 loans totaling $1.6M. The portfolio carries a 15.4% charge-off rate, earning a “ELEVATED” 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 Union Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Union Savings Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.