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 JoseHQ CA | $2.97B | $47.3M | $449.5M |
| Bellco Credit Union | Greenwood Village | $2.30B | None reported | $131.4M |
| Wings Credit Union | Colorado Springs | $2.27B | $88.5M | $344.2M |
| Security Service Federal Credit Union | San AntonioHQ TX | $1.53B | $16.6M | $238.7M |
| Sunward Federal Credit Union | AlbuquerqueHQ NM | $790.9M | $98.2M | $61.5M |
| Canvas Credit Union | Lone Tree | $690.9M | None reported | $75.7M |
| Westerra Credit Union | Denver | $448.4M | $54.6M | $31.8M |
| Altra Federal Credit Union | OnalaskaHQ WI | $416.5M | $52.7M | $59.7M |
| Meritrust Credit Union | Broomfield | $308.8M | $22.0M | $50.5M |
| Elevations Credit Union | Boulder | $294.0M | $113.5M | $62.0M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Together Credit Union | Saint LouisHQ MO | $162.7M | $10.5M | $39.6M |
| Meriwest Credit Union | San JoseHQ CA | $160.6M | None reported | $28.9M |
| Blue Federal Credit Union | CheyenneHQ WY | $82.0M | $2.5M | $28.6M |
| Air Academy Federal Credit Union | Colorado Springs | $81.0M | $11.8M | $10.3M |
| Partner Colorado Credit Union | Arvada | $42.7M | None reported | $9.1M |
| Meridian Trust | CheyenneHQ WY | $28.4M | None reported | $14.2M |
| On Tap Credit Union | Golden | $25.0M | None reported | $6.5M |
| Sooper CU Dba Climb CU Credit Union | Arvada | $16.8M | $155,310 | $14.4M |
| Nuvista Federal Credit Union | Montrose | $14.3M | None reported | $3.7M |
The remaining 24 credit unions with an office in Colorado that report commercial real estate lending:
- Credit Union of Denver — Lakewood
- Peoples Credit Union — Springfield
- Sterling Federal Credit Union — Sterling
- Coloramo Federal Credit Union — Grand Junction
- Credit Union of Colorado, A — Denver
- Colorado Credit Union — Littleton
- Denver Community Cu D.B.A. Zing Cu Credit Union — Denver
- Foothills Credit Union — Wheat Ridge
- Horizons North Credit Union — Westminster
- Grand Junction Federal Credit Union — Grand Junction
- Fellowship Credit Union — Lamar
- Fidelis Catholic Federal Credit Union — Arvada
- Guadalupe Parish Credit Union — Antonito
- Denver Fire Department Federal Credit Union — Denver
- Fitzsimons Federal Credit Union — Aurora
- School District 3 Federal Credit Union — Colorado Springs
- Arapahoe Credit Union — Littleton
- Metrum Community Credit Union — Centennial
- Holyoke Community Federal Credit Union — Holyoke
- Sunwest Credit Union — Pueblo
- Yuma County Federal Credit Union — Yuma
- Power Credit Union — Pueblo
- Polam Federal Credit Union — Redwood City
- Northern Colorado Credit Union — Greeley
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.