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The Lender Report built this page from public records. Idaho Central Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Idaho Central Credit Union itself. Each figure shows its source and date. Work at Idaho Central Credit Union? You can claim this page for free.
Credit union, Chubbuck, ID
Idaho Central Credit Union
A credit union based in Chubbuck, ID. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $1.91B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 136
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 258
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $15.5B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 208-239-3000 From the NCUA record, June 30, 2026.
- Website
- www.iccu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- iccu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- IDAHO CENTRAL; Idaho Central CUNCUA 5300,
- Address
- 4400 Central Way, Chubbuck, ID 83202NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Idaho Central Credit Union originated 13 multifamily loans in 2025, versus 1 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 154 under Preferred Lender authority, 59 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 14.1% to $748.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 33.5% to $602.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 22.4% to $272.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Idaho | SBA 7(a), Finance and Insurance | $2.7M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $1.8M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Limited-Service Restaurants | $1.2M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Automotive Parts and Accessories Retailers | $640K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $500K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Automotive Parts and Accessories Retailers | $100K | 10.25% | 7 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Manufacturing | $1.6M | 8.75% | 12 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Offices of Other Holding Companies | $1.4M | 7.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Transportation and Warehousing | $500K | 9% | 7 yr | SBA FOIA | |
| Aug 2026 | Washington | SBA 7(a), Fitness and Recreational Sports Centers | $400K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Information | $270K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Meat Processed from Carcasses | $190K | 9.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Idaho | SBA 7(a), Limited-Service Restaurants | $30K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Idaho | SBA 7(a), Manufacturing | $5M | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Idaho | SBA 7(a), Veterinary Services | $2.4M | 6.75% | 26 yr | SBA FOIA | |
| Jul 2026 | Idaho | SBA 7(a), Transportation and Warehousing | $850K | 8.5% | 14 yr | SBA FOIA | |
| Jul 2026 | Idaho | SBA 7(a), Meat Processed from Carcasses | $750K | 8.75% | 10 yr | SBA FOIA | |
| 2025 | Pima County, AZ | Refinance, 50 to 99 units | $9.1M | 7% | 15 yr | HMDA 2025 | |
| 2025 | Bonneville County, ID | Purchase, 5 to 24 units | $760K | 6.5% | 15 yr | HMDA 2025 | |
| 2025 | Pima County, AZ | Refinance, 50 to 99 units | $11M | 7% | 15 yr | HMDA 2025 | |
| 2025 | Bonneville County, ID | Purchase, 5 to 24 units | $640K | 6.32% | 15 yr | 70% | HMDA 2025 |
| 2025 | Bonneville County, ID | Purchase, 5 to 24 units | $260K | 6.63% | 15 yr | 77% | HMDA 2025 |
| 2025 | Bannock County, ID | Refinance, 5 to 24 units | $1M | 5.92% | 15 yr | 44% | HMDA 2025 |
| 2025 | Ada County, ID | Improvement, 5 to 24 units | $5.6M | 2 yr | HMDA 2025 | ||
| 2025 | Spokane County, WA | Purchase, 50 to 99 units | $3.2M | 6.07% | 10 yr | 73% | HMDA 2025 |
| 220 SBA 7(a) loans since October 2023, net of cancelled | $132M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $130M | 0.9% | +28.9% | 75 | $1.74M |
| Construction and land development | $151M | 1.1% | +303.2% | 81 | $1.87M |
| Owner-occupied CRE | $603M | 4.4% | +33.5% | 431 | $1.40M |
| Non-owner-occupied CRE | $749M | 5.4% | +14.1% | 342 | $2.19M |
| Farmland | $2.56M | 0.0% | Not reported | 1 | $2.56M |
| Commercial and industrial | $272M | 2.0% | +22.4% | 3,572 | $76.2K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.91B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.06B |
| Q4 2023 | $1.15B |
| Q1 2024 | $1.19B |
| Q2 2024 | $1.25B |
| Q3 2024 | $1.27B |
| Q4 2024 | $1.35B |
| Q1 2025 | $1.47B |
| Q2 2025 | $1.47B |
| Q3 2025 | $1.53B |
| Q4 2025 | $1.70B |
| Q1 2026 | $1.81B |
| Q2 2026 | $1.91B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 13 | $52.3M | $2.71M | $11M | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $1M | $1M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 645 | $142M | $205K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 220 | $132M | $271K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 79 | $44.4M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 38 | $26.0M | $611K | $1.8M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 136 | $342M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 7 | $46.4M | NCUA 5300, | ||
| Construction | First half of 2026 | 47 | $158M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 49 | $81.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 32 | $52.9M | NCUA 5300, | ||
| C&I | First half of 2026 | 1,227 | $97.4M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.87M |
| Multifamily | $1.74M |
| Owner-occupied CRE | $1.40M |
| Non-owner-occupied CRE | $2.19M |
| Farmland | $2.56M |
| Commercial and industrial | $76.2K |
| Industry | Loans | Dollars |
|---|---|---|
| Health Care and Social Assistance | 8 | $9.86M |
| Full-Service Restaurants | 8 | $5.22M |
| Limited-Service Restaurants | 8 | $3.22M |
| Child Care Services | 7 | $5.80M |
| Other Services (except Public Administration) | 7 | $4.95M |
| Electrical Contractors and Other Wiring Installation Contractors | 7 | $1.62M |
| Manufacturing | 6 | $6.57M |
| Landscaping Services | 6 | $3.71M |
| Retail Trade | 6 | $2.03M |
| Plumbing, Heating, and Air-Conditioning Contractors | 6 | $1.97M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for child care businesses, SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $1.90B | $1.06B to $3.18B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $2.32B | $756M to $2.87B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 122.1% | 29.7% to 119.7% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $194M | $186M to $433M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 79.7% | 22.1% to 85.0% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 88.7% | 43.0% to 82.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 154 loans (70.0%)
- SBA Express
- 59 loans
- Approval to first disbursement
- 18 days, median of 199
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Vystar Credit Union | FL | $14.3B | $1.01B |
| Mountain America Credit Union | UT | $22.9B | $2.50B |
| Lake Michigan Credit Union | MI | $17.3B | $2.19B |
| Security Service Credit Union | TX | $14.4B | $1.54B |
| Suncoast Credit Union | FL | $20.8B | $734M |
| ESL Credit Union | NY | $10.8B | $1.04B |
| Members 1st Credit Union | PA | $8.66B | $1.13B |
| America First Credit Union | UT | $26.0B | $2.98B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Idaho Central Credit Union, NCUA charter 63194. Compare it with the regulator's record. [NCUA profile]
- Balances. $15.5B in total assets and $1.91B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 136 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 917 loans in HMDA and SBA files, through September 30, 2026: 13 HMDA multifamily 2025, 1 HMDA multifamily 2024, 645 HMDA 1-4 unit investor 2025, 220 SBA 7(a) in 36 months, 38 SBA 504 first liens in 36 months. [How each file was tied to Idaho Central Credit Union]
- Phone and website. Phone 208-239-3000, from the NCUA record. Website iccu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 63194
- RSSD
- 322793
- LEI
- 5493001PXRJMPLXPG540
- The Lender Report ID
- lr_000143
- Main office county
- Bannock
- Members
- 845,943
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $15.5B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.9B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $748.6M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 14.1% from a year earlier (NCUA 5300).
- Held $602.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 33.5% from a year earlier (NCUA 5300).
- Held $272.3M of commercial and industrial loans as of June 30, 2026, up 22.4% from a year earlier (NCUA 5300).
- Originated 13 multifamily loans totaling $52.3M in 2025 (HMDA).
7 more sentences
- Originated 1 multifamily loan totaling $1M in 2024 (HMDA).
- Originated 645 1-4 unit investor or business-purpose loans totaling $142.5M in 2025 (HMDA).
- Recorded 243 SBA 7(a) approvals totaling $140.5M from October 1, 2023 to September 30, 2026, of which 23 were later cancelled (SBA).
- Provided the first lien on 42 SBA 504 projects with $30.4M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Originated 136 real-estate-secured commercial loans totaling $341.9M in the first half of 2026 (NCUA 5300).
- Held $60.6M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 67 offices in 3 states (NCUA).
Cite this
Source: The Lender Report, Idaho Central Credit Union, https://lender.report/lender/idaho-central-credit-union-id/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Idaho Central Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem