That doesn’t sound too bad. You don’t say how much memory you have and (more importantly) how much of that is free.
Press Ctrl+Shift+Esc to bring up the task manager, then look at the “Performance” tab for your used memory:
If you have enough free memory, then the contents of the game’s data files will always be present in memory, and loading will be very fast. If your memory runs low, however, then all loads will come from your hard disk, which can be VERY slow (especially if you’re not using an SSD).
Update: There’s also a way to force the game to load everything when it first starts up (which will avoid in-game delays). Edit the file C:\ProgramData\InterAction studios\CIU\34\CIU.cfg and change the line:
bEnableDelayedLoad=Yes
to:
bEnableDelayedLoad=No