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SBA 7(a) franchise lending portfolio
University FCU
CRITICAL risk
- Total loans
- 12
- Loan volume
- $2.8M
- Avg loan size
- $233K
- Default 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% |
| Speedpro Imaging | 1 | $205K | 100.0% |
| Keva Juice | 1 | $201K | 100.0% |
| Sharkey's Cuts For Kids | 1 | $144K | 0.0% |
| Eagle Transmission, Inc. | 1 | $140K | 0.0% |
| Post Net | 1 | $125K | 0.0% |
| Mad Science | 1 | $350K | 0.0% |
| Orange Leaf | 1 | $296K | 0.0% |
| Archadeck (sell And Build Deck | 1 | $635K | 100.0% |
| Little Ceasar's Pizza | 1 | $150K | 0.0% |
| Remax | 1 | $68K | 0.0% |
Lending volume by year
2'07
2'09
1'10
1'11
1'12
4'13
1'19
Geographic exposure
1225.0%
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
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%).