Idaho Central CU: SBA Lending Profile
Idaho Central CU is a credit union, headquartered in CHUBBUCK, ID. It is active in 5 states, concentrated around ID, WA, AZ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Idaho Central CU actually approves
The median SBA approval at Idaho Central CU is $300,000. The middle 80% of its loans fall between $75,000 and $1,576,000. The smallest approval on record since 2020 is $20,000 and the largest is $4,800,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 167 | $300K | 9.75% | 10 years |
| 504 first mortgage (third party) | 28 | $363K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Snack and Nonalcoholic Beverage Bars | 13 | 4% |
| Full-Service Restaurants | 13 | 4% |
| Limited-Service Restaurants | 9 | 2.7% |
| General Automotive Repair | 8 | 2.4% |
| Child Day Care Services | 8 | 2.4% |
| Landscaping Services | 7 | 2.1% |
| Electrical Contractors and Other Wiring Installation Contractors | 7 | 2.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 6 | 1.8% |
| Supermarkets and Other Grocery (except Convenience) Stores | 6 | 1.8% |
| Janitorial Services | 5 | 1.5% |
| Retail Bakeries | 5 | 1.5% |
| All Other Specialty Trade Contractors | 5 | 1.5% |
Borrower profile
- Beyond SBA lending, NCUA call reports show $177M in commercial loans granted in the first quarter of 2026 alone, on a total commercial portfolio of $1.8B (as of 2026-03-31).
- 48.5% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 99.1% of its recent SBA loans.
- 19.1% of its SBA lending is revolving lines of credit rather than term loans.
- 1.2% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Commercial lending figures from NCUA 5300 call report data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Idaho Central CU.