UF
SBA 7(a) franchise lending portfolio
University FCU
CRITICAL risk
- Total loans
- 12
- Loan volume
- $2.8M
- Avg loan size
- $233K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.00%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 2 | $481K | 0.0% (low risk) |
| Speedpro Imaging | 1 | $205K | 100.0% (very high risk) |
| Keva Juice | 1 | $201K | 100.0% (very high risk) |
| Sharkey's Cuts For Kids | 1 | $144K | 0.0% (low risk) |
| Eagle Transmission, Inc. | 1 | $140K | 0.0% (low risk) |
| Post Net | 1 | $125K | 0.0% (low risk) |
| Mad Science | 1 | $350K | 0.0% (low risk) |
| Orange Leaf | 1 | $296K | 0.0% (low risk) |
| Archadeck (sell And Build Deck | 1 | $635K | 100.0% (very high risk) |
| Little Ceasar's Pizza | 1 | $150K | 0.0% (low risk) |
| Remax | 1 | $68K | 0.0% (low risk) |
Lending volume by year
2'07
2'09
1'10
1'11
1'12
4'13
1'19
Geographic exposure
1225.0% (very high risk)
Portfolio summary
Total funded$2.8M
Defaults3 of 12
Risk tierCRITICAL
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 University FCU originated?
- 12 loans totaling $2.8M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 University FCU fund the most?
- The “Top franchise exposures” table above lists the brands University 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.