Idaho Central CU: SBA Lending Record
What SBA's own loan files show about Idaho Central CU as an SBA lender, and how a lender's record bears on a feasibility study.
Loans held and dollars at Idaho Central CU
471 loans, approved FY2017 to FY2026, have Idaho Central CU as SBA-listed holder. At Idaho Central CU, dollar volume stands at $248.2 million gross, over 471 loans. SBA, not Idaho Central CU, guarantees each of the 471 loans held, now or earlier, by Idaho Central CU. SBA tags 471 as 7(a), none 504, under Idaho Central CU. Idaho Central CU holder status: assigned now or last.
342 of 471 loans have no tracked class, which leaves Idaho Central CU class rows thinner. For Idaho Central CU, limited-service restaurant leads the class rows, 19 loans. After that, 17 loans in coffee shop and snack bar, 15 in full-service restaurant and automotive mechanical repair with 13 loans. Further down Idaho Central CU: grocery store at 9, child care center (8) and 7 loans in beverage manufacturing. Idaho Central CU table: classes beyond these appear there.
Idaho Central CU loans sit in Idaho (418) and 44 in Washington, per SBA. For a project elsewhere, Idaho Central CU has nothing nearby: a narrow footprint.
Idaho Central CU: loans cancelled or charged off
10.6%: the floor on cancellations, among Idaho Central CU approvals from FY2017 to FY2024. Ceiling for Idaho Central CU: not printed, withheld by Loan Analytics' rule. Idaho Central CU: 0.00% is charged off, a floor, across 113 loans disbursed FY2017 to FY2021. Idaho Central CU: 0.00% charged off within five years. Idaho Central CU outcomes show; reasons do not. Idaho Central CU cohort rates cover FY2017 to FY2021 disbursements. Idaho Central CU: 10.6% is a floor, 471 loans notwithstanding, not a forecast. Idaho Central CU: every rate here is a floor, 471 loans or not; 10.6% included.
Idaho Central CU: a borrower's view
Idaho Central CU, a credit union, comes with 471 loans of background. Idaho Central CU has no row that says what Idaho Central CU wants from a borrower. At Idaho Central CU, weigh Idaho then limited-service restaurant, 471 loans deep, against the project. Sources beside Idaho Central CU should be listed in the study, 471 loans or not.
471 loans at Idaho Central CU: context only. For Idaho Central CU, a project proves itself alone in Idaho. Limited-service restaurant demand: 471 loans at Idaho Central CU set none; Idaho conditions decide, not Idaho Central CU. Budget lines meet raised funds, 471 loans staying aside. 471 loans give Idaho Central CU breadth, not depth. Idaho Central CU coverage must clear 10.6% before anything else. Idaho Central CU: on stabilized income, debt service coverage keeps 10.6% in view. Collateral for Idaho Central CU rests on the appraisal. Idaho Central CU: a study delivers a file, never approval.
SBA loans held by Idaho Central CU
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 471 |
|---|---|
| Gross dollars approved | $248.2 million |
| SBA 7(a) loans | 471 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.00% |
| Charged off within five years of approval | 0.00% |
| Loans in that cohort | 113 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 342 |
| Limited-service restaurant | 19 |
| Coffee shop and snack bar | 17 |
| Full-service restaurant | 15 |
| Automotive mechanical repair (car and truck) | 13 |
| Grocery store | 9 |
| Child care center | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Rehabilitation and therapy clinic | 7 |
| Fitness center | 7 |
| Beauty salon | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Idaho | 418 |
| Washington | 44 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-ncua-63194.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Idaho Central CU or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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