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SBA 7(a) franchise lending portfolio
United Fidelity Bank, FSB
ELEVATED risk
- Total loans
- 94
- Loan volume
- $30.7M
- Avg loan size
- $326K
- Default rate
- 17.0%
- vs 15.4% national avg
Defaults
16
Avg interest
6.00%
Franchises funded
37
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 19 | $4.6M | 10.5% |
| It's A Grind Coffee | 12 | $2.9M | 41.7% |
| One-Hour Martinizing | 7 | $1.8M | 14.3% |
| Quiznos | 5 | $761K | 40.0% |
| Wingstop Restaurant | 5 | $964K | 0.0% |
| Super 8 Motel | 3 | $3.4M | 33.3% |
| Days Inn | 3 | $2.5M | 0.0% |
| Dairy Queen | 3 | $1.3M | 0.0% |
| Line-X | 3 | $400K | 33.3% |
| All Tune And Lube | 2 | $510K | 0.0% |
| Business Cards Tomorrow | 2 | $370K | 0.0% |
| Dry Cleaning Station | 2 | $245K | 50.0% |
| Subway Sandwich Shop | 2 | $845K | 0.0% |
| Marriott Hotel | 2 | $450K | 0.0% |
| Aim Mail Center | 2 | $290K | 0.0% |
| Signal Graphics Printing | 1 | $210K | 0.0% |
| Holiday Inn | 1 | $1.0M | 0.0% |
| MAACO Auto Painting Center | 1 | $315K | 0.0% |
| Robeks Juice | 1 | $205K | 0.0% |
| Big O Tires | 1 | $395K | 100.0% |
Lending volume by year
3'97
2'98
8'99
6'00
6'01
9'02
14'03
17'04
11'05
9'06
6'07
2'08
1'09
United Fidelity Bank, FSB default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$30.7M
Defaults16 of 94
Risk tierELEVATED
Avg rate6.00%
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%).