GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
566
2010–2026
Total Volume
$303M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
566 total segments
Idaho Central CU has a significant 504 loan presence, making up 30% of their SBA deals. This is notably higher than the national average of around 18%, indicating they are a strong choice for borrowers looking for real estate financing.
With an average 7(a) spread of P+2.34%, Idaho Central CU offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your loan.
The lender's growth trend shows a remarkable 75% year-over-year increase in SBA deals, indicating a strong upward trajectory. This growth could enhance your chances of approval as they are actively expanding their lending capacity.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 168 504 loans, which use fixed SBA debenture rates.
States where Idaho Central CU has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Administrative & Waste Services
Administrative & Waste Services
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for Idaho Central CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Idaho · Specialty Trade Contractors · Under $150K | 7(a) | 26 | P+3.00% | $82K | Q4 2025 |
| Idaho · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+2.25% | $707K | Q4 2024 |
| Idaho · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+3.00% | $89K | Q4 2025 |
| Idaho · Other Health Practitioners · Under $150K | 7(a) | 12 | P+2.00% | $94K | Q3 2025 |
| Idaho · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+2.50% | $243K | Q4 2024 |
| Idaho · Manufacturing · Under $150K | 7(a) | 10 | P+2.63% | $77K | Q3 2025 |
| Idaho · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.50% | $241K | Q3 2025 |
| Idaho · Specialty Trade Contractors · $500K – $1M | 7(a) | 8 | P+2.25% | $647K | Q4 2025 |
| Idaho · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+2.75% | $95K | Q3 2025 |
| Idaho · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+2.38% | $54K | Q3 2025 |
| Idaho · Other Health Practitioners · $150K – $350K | 504 | 7 | — | $231K | Q4 2020 |
| Idaho · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+2.50% | $70K | Q1 2025 |
| Idaho · Miscellaneous Retail · $150K – $350K | 7(a) | 7 | P+2.00% | $265K | Q4 2025 |
| Idaho · Other Health Practitioners · $150K – $350K | 7(a) | 6 | P+2.00% | $260K | Q3 2025 |
| Idaho · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 6 | P+2.50% | $280K | Q3 2025 |
| Idaho · Food & Beverage Stores · Under $150K | 7(a) | 6 | P+2.63% | $86K | Q1 2025 |
| Idaho · Other Health Practitioners · Under $150K | 504 | 6 | — | $124K | Q4 2023 |
| Idaho · Auto Repair & Maintenance · $150K – $350K | 504 | 5 | — | $229K | Q3 2025 |
| Idaho · Physician & Dental Offices · $150K – $350K | 504 | 5 | — | $225K | Q1 2018 |
| Idaho · Education · $150K – $350K | 7(a) | 5 | P+2.25% | $256K | Q4 2025 |
| Idaho · Other Health Practitioners · $500K – $1M | 504 | 5 | — | $567K | Q4 2025 |
| Idaho · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+3.00% | $55K | Q3 2025 |
| Idaho · Auto Repair & Maintenance · $1M – $2M | 7(a) | 5 | P+2.00% | $1.5M | Q2 2025 |
| Idaho · Specialty Trade Contractors · Under $150K | 504 | 5 | — | $74K | Q2 2019 |
| Washington · Miscellaneous Retail · Under $150K | 7(a) | 5 | P+3.00% | $110K | Q1 2025 |
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Real experiences from borrowers who closed SBA loans with Idaho Central CU.
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