The ceiling is a legal maximum, not an appetite — read it alongside the balance each institution actually reported. How these figures are derived.
| Credit union | Location | CRE on the books | Construction | Regulatory lending ceiling |
|---|---|---|---|---|
| America First Credit Union | RiverdaleHQ UT | $2.75B | $254.2M | $432.9M |
| Mountain America Credit Union | SandyHQ UT | $2.33B | $149.1M | $327.3M |
| Global Credit Union | AnchorageHQ AK | $1.82B | $14.9M | $189.2M |
| Idaho Central Credit Union | ChubbuckHQ ID | $1.57B | $151.2M | $193.8M |
| Desert Financial Credit Union | Phoenix | $847.1M | $2.3M | $174.2M |
| Arizona Financial Credit Union | Phoenix | $690.9M | $44.0M | $69.7M |
| OneAZ Credit Union | Phoenix | $675.6M | $3.2M | $66.3M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Pima Federal Credit Union | Tucson | $441.2M | $18.1M | $24.0M |
| Credit Union of Southern Ca, a | AnaheimHQ CA | $410.1M | None reported | $67.9M |
| Notre Dame Federal Credit Union | Notre DameHQ IN | $319.6M | $15.8M | $22.9M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Nuvision Federal Credit Union | Huntington BeachHQ CA | $254.9M | $18.2M | $71.6M |
| Vantage West Credit Union | Tucson | $225.4M | $5.9M | $51.7M |
| Farmers Insurance Federal Credit Union | Los AngelesHQ CA | $192.2M | None reported | $19.7M |
| Firefighters First Federal Credit Union | Los AngelesHQ CA | $130.2M | None reported | $34.9M |
| Avenir Financial Federal Credit Union | Yuma | $127.9M | $16.3M | $7.7M |
| Arizona Central Credit Union | Phoenix | $75.7M | None reported | $9.7M |
| TruWest Credit Union | Scottsdale | $74.5M | None reported | $28.3M |
| Arrowhead Federal Credit Union | Rancho CucamongaHQ CA | $39.1M | None reported | $49.8M |
The remaining 11 credit unions with an office in Arizona that report commercial real estate lending:
- American Southwest Credit Union — Sierra Vista
- Tucson Federal Credit Union — Tucson
- Interfaith Federal Credit Union — Montclair
- Sierra Pacific Federal Credit Union — Reno
- Copper State Credit Union — Phoenix
- Pinal County FCU — Casa Grande
- Landings Credit Union — Tempe
- Sharefax Credit Union — Cincinnati
- Mayo Employees Federal Credit Union — Rochester
- American Airlines Federal Credit Union — Fort Worth
- Marisol Federal Credit Union — Phoenix
How these figures are derived
It is a legal maximum, not an appetite. No credit union writes a loan at its single-borrower ceiling. The figure bounds what an institution may have outstanding to one borrower, not what it will lend on your deal.
Each ceiling is the NCUA single-borrower commercial lending limit under 12 CFR 723.4(c): 15% of the institution's total net worth, taken from account 997 of its NCUA 5300 Call Report. It caps total exposure to one borrower or group of associated borrowers, not the size of any one loan, so a borrower who already owes that credit union has less room than the figure suggests. It is calculated, not published by the credit union, and it moves every quarter as net worth moves.
The column beside it is what the institution actually reported outstanding: commercial real estate secured loans to its own members, from the same call report. Read the two together. A credit union with a large ceiling and a small book has the regulatory room for your deal but little record of writing one.
Every figure on this page comes from the NCUA 5300 Call Report for the quarter ended June 30, 2026. A credit union is listed here if it has an office in this state, and the rows are ordered by the size of its commercial real estate book. Those balances are institution-wide and are not apportioned to this state, so a credit union headquartered elsewhere is tagged with its home state and its figure covers its whole book, not its lending here.