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SBA 7(a) franchise lending portfolio
Union Savings Bank
ELEVATED risk
- Total loans
- 14
- Loan volume
- $1.6M
- Avg loan size
- $117K
- Default 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% |
| Domino's Pizza | 2 | $150K | 0.0% |
| Maids (the) | 2 | $146K | 0.0% |
| Sears Catalog Store | 2 | $105K | 0.0% |
| Bagelman | 1 | $100K | 0.0% |
| Jackson Hewitt Tax Service | 1 | $40K | 0.0% |
| Play It Again Sports (retail S | 1 | $270K | 100.0% |
| Sign-A-Rama | 1 | $50K | 0.0% |
| Alphagraphics, Printshops Of T | 1 | $100K | — |
Lending volume by year
1'95
2'96
1'98
2'09
7'10
1'12
Geographic exposure
1415.4%
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
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%).