![Idaho Central CU logo](https://cdn.brandfetch.io/idahocentralcu.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Idaho Central CU
EXCELLENT risk
- Total loans
- 43
- Loan volume
- $24.1M
- Avg loan size
- $559K
- Default 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% |
| The UPS Store (f/k/a Mail Box | 3 | $1.6M | — |
| Jamba | 3 | $1.8M | — |
| Vital Care | 3 | $871K | 0.0% |
| Radiant Waxing | 2 | $1.9M | — |
| Rise Modern Wellness | 2 | $1.5M | — |
| Once Upon A Child | 2 | $175K | — |
| Jiffy Lube | 2 | $2.1M | — |
| Wetzel's Pretzels | 2 | $2.6M | 0.0% |
| Medi-Weightloss | 2 | $175K | — |
| Papa Murphy's | 1 | $375K | 0.0% |
| Firehouse Subs | 1 | $416K | 0.0% |
| Dairy Queen Grill & Chill/Texa | 1 | $1.5M | 0.0% |
| Bruchi's Cheesesteaks And Subs | 1 | $211K | 0.0% |
| iCode | 1 | $269K | 0.0% |
| Casago | 1 | $1.3M | — |
| Westside Pizza | 1 | $100K | — |
| San Francisco Style Sourdough | 1 | $319K | — |
| Fit Body Boot Camp | 1 | $228K | 0.0% |
| Great Harvest Bread Co. | 1 | $779K | 0.0% |
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
Default 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%), Critical (>20%).