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 |
|---|---|---|---|---|
| First Technology Federal Credit Union | San Jose | $2.97B | $47.3M | $449.5M |
| America First Credit Union | RiverdaleHQ UT | $2.75B | $254.2M | $432.9M |
| Global Credit Union | AnchorageHQ AK | $1.82B | $14.9M | $189.2M |
| Golden 1 CU | Sacramento | $1.62B | None reported | $329.1M |
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Logix Federal Credit Union | Valencia | $833.2M | None reported | $227.7M |
| Redwood Credit Union | Santa Rosa | $818.1M | $10.5M | $199.3M |
| Mission Fed Credit Union | San Diego | $794.8M | None reported | $134.2M |
| Sunward Federal Credit Union | AlbuquerqueHQ NM | $790.9M | $98.2M | $61.5M |
| Citizens Equity First Credit Union | PeoriaHQ IL | $737.9M | $19.9M | $148.5M |
| Kinecta Federal Credit Union | Manhattan Beach | $705.3M | None reported | $88.2M |
| Adelfi Credit Union | San Dimas | $517.8M | $1.9M | $27.4M |
| American First Credit Union | Brea | $468.1M | None reported | $20.7M |
| California Federal Credit Union | Glendale | $448.0M | None reported | $76.6M |
| Stanford Federal Credit Union | Palo Alto | $420.6M | None reported | $78.1M |
| Credit Union of Southern Ca, a | Anaheim | $410.1M | None reported | $67.9M |
| San Diego County Credit Union | San Diego | $397.5M | None reported | $283.9M |
| SAFE Credit Union | Folsom | $366.9M | None reported | $71.7M |
| America's Christian Credit Union | Glendora | $362.4M | $15.7M | $10.7M |
| Premier America Credit Union | Chatsworth | $351.9M | None reported | $47.0M |
The remaining 98 credit unions with an office in California that report commercial real estate lending:
- Travis Credit Union — Vacaville
- Valley Strong Credit Union — Bakersfield
- Financial Partners Credit Union — Downey
- Provident Credit Union — Redwood City
- Altura Credit Union — Riverside
- Orange County's Credit Union — Santa Ana
- Navy Federal Credit Union — Vienna
- California Coast Credit Union — San Diego
- Ventura County Credit Union — Ventura
- Nuvision Federal Credit Union — Huntington Beach
- Rize Federal Credit Union — El Monte
- Frontwave Credit Union — Oceanside
- Skyla Federal Credit Union — Charlotte
- Sun Community Federal Credit Union — El Centro
- Coasthills Federal Credit Union — Santa Maria
- First Entertainment Credit Union — Hollywood
- Farmers Insurance Federal Credit Union — Los Angeles
- San Francisco Federal Credit Union — San Francisco
- KeyPoint Credit Union — San Jose
- Rogue Credit Union — Medford
- Hanscom Federal Credit Union — Hanscom Afb
- Technology Credit Union — San Jose
- Together Credit Union — Saint Louis
- Meriwest Credit Union — San Jose
- Coast Central Credit Union — Eureka
- Oceanair Federal Credit Union — Oxnard
- Baxter Credit Union — Vernon Hills
- Firefighters First Federal Credit Union — Los Angeles
- Sesloc Credit Union — San Luis Obispo
- Clearpath Federal Credit Union — Burbank
- Skyone Federal Credit Union — Hawthorne
- San Francisco Fire Credit Union — San Francisco
- Point Breeze Credit Union — Hunt Valley
- MyPoint Credit Union — San Diego
- Blupeak Credit Union — San Diego
- Alero Financial Credit Union — Elgin
- American United Federal Credit Union — West Jordan
- Valley First Federal Credit Union — Modesto
- Monterra Credit Union — Redwood City
- California Lithuanian Credit Union — Santa Monica
- E-Central Credit Union — Pasadena
- Self-Help Federal Credit Union — Durham
- Ukrainian Federal Credit Union — Rochester
- Sierra Central Credit Union — Yuba City
- University Credit Union — Los Angeles
- Carolina Foothills Federal Credit Union — Spartanburg
- Southland Credit Union — Los Alamitos
- Arrowhead Federal Credit Union — Rancho Cucamonga
- Sage Federal Credit Union — Klamath Falls
- Direct Federal Credit Union — Needham
- First U.S. Community Credit Union — Sacramento
- Altaone Federal Credit Union — Ridgecrest
- Credit Union of New Jersey, A — Ewing
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- Patelco Credit Union — Dublin
- Bay Federal Credit Union — Capitola
- Families and Schools Together Federal Credit Union — Hanford
- Interfaith Federal Credit Union — Montclair
- Santa Cruz Community Credit Union — Santa Cruz
- Vision One Credit Union — Sacramento
- Sacramento Credit Union — Sacramento
- Carolinas Telco Federal Credit Union — Charlotte
- Yolo Federal Credit Union — Woodland
- Los Angeles Federal Credit Union — Glendale
- Chaffey Federal Credit Union — Upland
- Desert Valleys Federal Credit Union — Ridgecrest
- CAHP Credit Union — Sacramento
- Foothill Federal Credit Union — Arcadia
- Fresno Grangers Federal Credit Union — Fresno
- Polam Federal Credit Union — Los Angeles
- Cabrillo Credit Union — San Diego
- Actors Federal Credit Union — New York
- Gain Federal Credit Union — Burbank
- Union Yes Federal Credit Union — Orange
- MOCSE Federal Credit Union — Modesto
- Collegedale Credit Union — Collegedale
- American Airlines Federal Credit Union — Fort Worth
- Certified Federal Credit Union — El Monte
- North Iowa Community Credit Union — Mason City
- Community First Credit Union — Santa Rosa
- Camino Federal Credit Union — Montebello
- Wescom Central Credit Union — Pasadena
- Justice Federal Credit Union — Chantilly
- Long Beach Firemen S Credit Union — Long Beach
- VA Desert Pacific Federal Credit Union — Long Beach
- South Bay Credit Union — Redondo Beach
- Uncle Credit Union — Livermore
- Silverado Credit Union — Angwin
- Delta Schools Federal Credit Union — Antioch
- Northeast Community Federal Credit Union — San Francisco
- Modesto's First Federal Credit Union — Modesto
- Wheelhouse Credit Union — San Diego
- Excite Credit Union — San Jose
- La Loma Federal Credit Union — Loma Linda
- Guardian Credit Union — Oak Creek
- USC Credit Union — Los Angeles
- Polam Federal Credit Union — Redwood City
- Mission City Federal Credit Union — Santa Clara
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.