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 |
|---|---|---|---|---|
| Wings Credit Union | Colorado SpringsHQ CO | $2.27B | $88.5M | $344.2M |
| Lake Michigan Credit Union | Grand RapidsHQ MI | $1.99B | $278.1M | $291.7M |
| MIDFLORIDA Credit Union | Lakeland | $1.95B | $65.3M | $157.0M |
| DFCU Financial Credit Union | DearbornHQ MI | $1.01B | $92.3M | $152.4M |
| FAIRWINDS Credit Union | Orlando | $945.5M | $73.2M | $87.0M |
| Vystar Credit Union | Jacksonville | $943.4M | $44.8M | $186.5M |
| Credit Union 1 | LombardHQ IL | $813.1M | None reported | $41.2M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Suncoast Credit Union | Tampa | $623.5M | $32.5M | $315.4M |
| Dort Financial Credit Union | Grand BlancHQ MI | $522.5M | $72.4M | $38.2M |
| BrightStar Credit Union | Fort Lauderdale | $478.4M | None reported | $14.0M |
| Teachers Federal Credit Union | SmithtownHQ NY | $442.0M | None reported | $164.0M |
| Alabama Credit Union | TuscaloosaHQ AL | $389.7M | $4.1M | $30.9M |
| Self-Help Credit Union | DurhamHQ NC | $363.7M | $178.7M | $79.8M |
| Campus USA Credit Union | Gainesville | $352.2M | $36.1M | $74.3M |
| ELGA Credit Union | Grand BlancHQ MI | $316.2M | $9.6M | $66.7M |
| Launch Credit Union | Merritt Island | $290.0M | $19.8M | $20.1M |
| Florida Credit Union | Gainesville | $287.7M | $9.4M | $53.5M |
| Dade County Federal Credit Union | Sweetwater | $280.6M | $15.5M | $29.5M |
| Polish & Slavic Federal Credit Union | BrooklynHQ NY | $267.1M | None reported | $46.5M |
The remaining 57 credit unions with an office in Florida that report commercial real estate lending:
- Navy Federal Credit Union — Vienna
- Grow Financial Federal Credit Union — Tampa
- Community First Credit Union of Flo — Jacksonville
- GTE Federal Credit Union — Tampa
- Addition Financial Credit Union — Lake Mary
- Power Financial Credit Union — Pembroke Pines
- Achieva Credit Union — Dunedin
- Ithink Financial Credit Union — Boca Raton
- Together Credit Union — Saint Louis
- Community Credit Union of Florida — Rockledge
- All in Federal Credit Union — Daleville
- Baxter Credit Union — Vernon Hills
- Penair Credit Union — Pensacola
- Firefighters First Federal Credit Union — Los Angeles
- Radiant Credit Union — Gainesville
- First Commerce Credit Union — Tallahassee
- Innovations Financial Credit Union — Panama City
- Suma Federal Credit Union — Yonkers
- Tropical Financial Credit Union — Miramar
- Everence Federal Credit Union — Lancaster
- Orlando Credit Union — Orlando
- Space Coast Credit Union — Melbourne
- Ukrainian Federal Credit Union — Rochester
- Panhandle Credit Union — Panama City
- Platinum Federal Credit Union — Duluth
- Champions First Credit Union — Tallahassee
- McCoy Federal Credit Union — Orlando
- Harvesters Federal Credit Union — Cantonment
- Insight Credit Union — Winter Springs
- Radifi Federal Credit Union — Jacksonville
- Community Credit Union — New Rockford
- Gulf Winds Credit Union — Pensacola
- First Florida Credit Union — Jacksonville
- San Antonio Citizens Federal Credit Union — San Antonio
- Arlington Community Federal Credit Union — Arlington
- Jetstream Federal Credit Union — Miami Lakes
- USF Federal Credit Union — Tampa
- Community South Credit Union — Chipley
- Tru Fi Credit Union — Macclenny
- Keys Federal Credit Union — Key West
- Guardians Credit Union — West Palm Beach
- University Credit Union — Miami
- Mayo Employees Federal Credit Union — Rochester
- Oxford Federal Credit Union — Mexico
- American Airlines Federal Credit Union — Fort Worth
- Miami Firefighters Federal Credit Union — Miami
- Faith Connection Federal Credit Union — Marietta
- Columbia Credit Union — Columbia
- Justice Federal Credit Union — Chantilly
- Powernet Credit Union — Tampa
- Franklin-Somerset Federal Credit Union — Madison
- Florida A & M University Federal Credit Union — Tallahassee
- TMH Federal Credit Union — Tallahassee
- Blue Coast Federal Credit Union — Perry
- Alive Credit Union — Jacksonville
- Calhoun Liberty Credit Union — Blountstown
- Emerald Coast Federal Credit Union — Port St. Joe
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.