Idaho Central CU
Headquartered in CHUBBUCK, ID. Analysis based on 318 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $194.1M.
Total 7(a) loans
318
Total approved
$194.1M
Average loan
$610K
States funded in
8
Charge-off rate
0.69%
FY2020–FY2023 cohort
Paid-in-full rate
31.72%
Average rate
9.10%
Average term
130 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 17 |
| 722511 | Full-Service Restaurants | 11 |
| 811111 | General Automotive Repair | 10 |
| 722513 | Limited-Service Restaurants | 8 |
| 238210 | Electrical Contractors | 8 |
| 624410 | Child Day Care Services | 7 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 7 |
| 311811 | Retail Bakeries | 6 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 6 |
| 238990 | All Other Specialty Trade Contractors | 5 |
Top 10 states
| State | Loans |
|---|---|
| ID | 276 |
| WA | 34 |
| AZ | 2 |
| NV | 2 |
| UT | 1 |
| OR | 1 |
| OH | 1 |
| MT | 1 |
Top franchise brands financed
44 franchise loans across 24 distinct brands.
| Franchise | Loans |
|---|---|
| Crumbl | 6 |
| Jamba | 4 |
| The Human Bean | 3 |
| The UPS Store (f/k/a Mail Box | 3 |
| Vital Care | 3 |
| Radiant Waxing | 2 |
| Once Upon A Child | 2 |
| Rise Modern Wellness | 2 |
| Wetzel's Pretzels | 2 |
| Jiffy Lube | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.