SBA 7(a)/504 FOIA · FY1991–PRESENT · OKLAHOMA
Christian Brothers Automotive franchise in Oklahoma: what the public record shows
Franchisees of Christian Brothers Automotive in Oklahoma have taken 16 SBA loans in the FY1991–present FOIA files (average $324,156). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Christian Brothers Automotive's national ratio is 0×.
Loans in OK
16
Charged off (all years)
0 of 13
Loss ratio in OK
—
Loss ratio nationally
0×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OK. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
1,065
statewide, all operators
Per 100k residents
26
national 30.2
Versus the country
-14%
thinner
Every business in Christian Brothers Automotive's industry operating in Oklahoma — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$884
Oklahoma, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-12%
cheaper to staff
What Christian Brothers Automotive's industry actually pays workers in Oklahoma, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in OK | Charged off (all years) | Loss ratio in OK | Units in OK |
|---|---|---|---|---|
| Matco Tools | 15 | 6 of 14 | — | — |
| Aamco Transmissions | 12 | 3 of 8 | — | — |
| Alta Mere Window Tinting & Auto | 12 | 5 of 11 | — | — |
| Cornwell Quality Tools | 11 | 8 of 11 | — | — |
| Maaco | 9 | 3 of 8 | — | — |
| Snap-On | 9 | 0 of 8 | — | — |
| Meineke | 8 | 3 of 5 | — | — |
| Precision Tune Auto Care | 7 | 0 of 5 | — | 9 |
| Cottman Transmission | 5 | 1 of 4 | — | — |
| Ford Motor (Dealers) | 5 | 1 of 2 | — | — |
| Midas Muffler Shop | 5 | 0 of 5 | — | — |
Other systems in Christian Brothers Automotive's sector whose franchisees borrowed in Oklahoma. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Christian Brothers Automotive’s numbers, including talking you out of a bad deal.