UF
SBA 7(a) franchise lending portfolio
United FCU
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $47.8M
- Avg loan size
- $1.4M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.12%
Franchises funded
31
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 2 | $285K | 0.0% (low risk) |
| Dunkin Donuts/Baskin-Robbins C | 2 | $332K | 0.0% (low risk) |
| Marble Slab Creamery | 1 | $291K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $347K | N/A |
| The Lash Lounge | 1 | $249K | N/A |
| Slumberland | 1 | $325K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $230K | 0.0% (low risk) |
| Club Tabby | 1 | $89K | 0.0% (low risk) |
| Ace Hardware | 1 | $368K | 0.0% (low risk) |
| Subway | 1 | $671K | 0.0% (low risk) |
| Bevintel (f/K/A Bevinco) | 1 | $95K | 0.0% (low risk) |
| Super 8 by Wyndhan | 1 | $3.4M | N/A |
| DQ Treat | 1 | $740K | N/A |
| Hardee's | 1 | $690K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $800K | N/A |
| Days Inn by Wyndham | 1 | $3.8M | N/A |
| Penn Station East Coast Subs | 1 | $573K | N/A |
| Quality Inn by Choice Hotels / | 1 | $2.9M | N/A |
| Wing Snob | 1 | $431K | N/A |
| The Toasted Yolk Cafe | 1 | $1.1M | N/A |
Lending volume by year
1'08
1'09
1'10
2'11
1'13
3'15
1'17
3'19
1'21
18'25
1'26
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 United FCU originated?
- 33 loans totaling $47.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 United FCU fund the most?
- The “Top franchise exposures” table above lists the brands United FCU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.