IC
SBA 7(a) franchise lending portfolio
Idaho Central CU
EXCELLENT risk
- Total loans
- 43
- Loan volume
- $24.1M
- Avg loan size
- $559K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.77%
Franchises funded
28
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 4 | $2.6M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 3 | $1.6M | N/A |
| Jamba | 3 | $1.8M | N/A |
| Vital Care | 3 | $871K | 0.0% (low risk) |
| Radiant Waxing | 2 | $1.9M | N/A |
| Rise Modern Wellness | 2 | $1.5M | N/A |
| Once Upon A Child | 2 | $175K | N/A |
| Jiffy Lube | 2 | $2.1M | N/A |
| Wetzel's Pretzels | 2 | $2.6M | 0.0% (low risk) |
| Medi-Weightloss | 2 | $175K | N/A |
| Papa Murphy's | 1 | $375K | 0.0% (low risk) |
| Firehouse Subs | 1 | $416K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $1.5M | 0.0% (low risk) |
| Bruchi's Cheesesteaks And Subs | 1 | $211K | 0.0% (low risk) |
| iCode | 1 | $269K | 0.0% (low risk) |
| Casago | 1 | $1.3M | N/A |
| Westside Pizza | 1 | $100K | N/A |
| San Francisco Style Sourdough | 1 | $319K | N/A |
| Fit Body Boot Camp | 1 | $228K | 0.0% (low risk) |
| Great Harvest Bread Co. | 1 | $779K | 0.0% (low risk) |
Lending volume by year
3'17
1'18
1'20
7'21
7'22
5'23
8'24
10'25
1'26
Geographic exposure
Portfolio summary
Total funded$24.1M
Defaults0 of 43
Risk tierEXCELLENT
Avg rate8.77%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Idaho Central CU originated?
- 43 loans totaling $24.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Idaho Central CU fund the most?
- The “Top franchise exposures” table above lists the brands Idaho Central CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.