I had the same problem with USB Loader GX. When I would go into it I would try to scroll down my list of games and I would get the screen with the numbers on it with RELOAD in 5secs. First I checked the images folder on my SD card and deleted any duplicate cover art and disc art. Then I tried again and it still crashed. So I took my SD card out and saw the switch was in the LOCK position on my SD card. So I unlocked it and I haven't had the same problem since.
So check the switch on your SD card to see if it's in the LOCK position if it is then that's probably whats wrong.