UF
SBA 7(a) franchise lending portfolio
United Fidelity Bank, FSB
Risk rating: Elevated
- Total loans
- 94
- Loan volume
- $30.7M
- Avg loan size
- $326K
- Charge-off rate
- 17.0%
- vs 16.0% national
Charged off
16
Avg interest
6.00%
Franchises funded
37
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 19 | $4.6M | 10.5% (average) |
| It's A Grind Coffee | 12 | $2.9M | 41.7% (high risk) |
| One-Hour Martinizing | 7 | $1.8M | N/A |
| Quiznos | 5 | $761K | N/A |
| Wingstop Restaurant | 5 | $964K | N/A |
| Super 8 Motel | 3 | $3.4M | N/A |
| Days Inn | 3 | $2.5M | N/A |
| Dairy Queen | 3 | $1.3M | N/A |
| Line-X | 3 | $400K | N/A |
| All Tune And Lube | 2 | $510K | N/A |
| Business Cards Tomorrow | 2 | $370K | N/A |
| Dry Cleaning Station | 2 | $245K | N/A |
| Subway Sandwich Shop | 2 | $845K | N/A |
| Marriott Hotel | 2 | $450K | N/A |
| Aim Mail Center | 2 | $290K | N/A |
| Signal Graphics Printing | 1 | $210K | N/A |
| Holiday Inn | 1 | $1.0M | N/A |
| MAACO Auto Painting Center | 1 | $315K | N/A |
| Robeks Juice | 1 | $205K | N/A |
| Big O Tires | 1 | $395K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1997 | 3 |
| FY1998 | 2 |
| FY1999 | 8 |
| FY2000 | 6 |
| FY2001 | 6 |
| FY2002 | 9 |
| FY2003 | 14 |
| FY2004 | 17 |
| FY2005 | 11 |
| FY2006 | 9 |
| FY2007 | 6 |
| FY2008 | 2 |
| FY2009 | 1 |
SBA 7(a) · charge-off rate by approval year
United Fidelity Bank, FSB: below all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 3 | 0 | Too few |
| 1999 | 8 | 1 | Too few |
| 2000 | 6 | 0 | Too few |
| 2001 | 6 | 0 | Too few |
| 2002 | 9 | 1 | Too few |
| 2003 | 14 | 2 | 14.3% |
| 2004 | 17 | 1 | 5.9% |
| 2005 | 11 | 3 | 27.3% |
| 2006 | 9 | 4 | Too few |
| 2007 | 6 | 2 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$30.7M
Charged off16 of 94
Risk tierElevated
Avg rate6.00%
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 Fidelity Bank, FSB originated?
- 94 loans totaling $30.7M. The portfolio carries a 17.0% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. United Fidelity Bank, FSB's rate of 17.0% is near the national rate.
- 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 Fidelity Bank, FSB fund the most?
- The “Top franchise exposures” table above lists the brands United Fidelity Bank, FSB has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.