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 |
| Wings Credit Union | Colorado SpringsHQ CO | $2.27B | $88.5M | $344.2M |
| Delta Community Credit Union | Atlanta | $968.5M | $2.2M | $172.2M |
| Vystar Credit Union | JacksonvilleHQ FL | $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 |
| Georgia's Own Credit Union | Atlanta | $507.8M | $49.3M | $63.2M |
| Robins Financial Credit Union | Warner Robins | $381.4M | $60.6M | $131.3M |
| Self-Help Credit Union | DurhamHQ NC | $363.7M | $178.7M | $79.8M |
| SRP Federal Credit Union | North AugustaHQ SC | $322.6M | $79.4M | $43.2M |
| APCU/Center Parc | Atlanta | $317.2M | None reported | $50.2M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Tennessee Valley Federal Credit Union | ChattanoogaHQ TN | $230.4M | $33.8M | $72.1M |
| Five Star Credit Union | DothanHQ AL | $217.9M | $26.8M | $26.1M |
| LGE Community Credit Union | Marietta | $209.0M | $5.6M | $43.0M |
| Addition Financial Credit Union | Lake MaryHQ FL | $185.9M | $12.9M | $57.2M |
| Ithink Financial Credit Union | Boca RatonHQ FL | $168.5M | $26.2M | $37.5M |
| Family Savings Credit Union | Rainbow CityHQ AL | $167.8M | $7.1M | $15.6M |
| Together Credit Union | Saint LouisHQ MO | $162.7M | $10.5M | $39.6M |
| Peach State Federal Credit Union | Lawrenceville | $153.2M | $5.5M | $15.2M |
The remaining 23 credit unions with an office in Georgia that report commercial real estate lending:
- Baxter Credit Union — Vernon Hills
- First Commerce Credit Union — Tallahassee
- Empeople Credit Union — Moline
- Southeastern Credit Union — Valdosta
- Coosa Valley Credit Union — Rome
- Georgia United Credit Union — Duluth
- Platinum Federal Credit Union — Duluth
- Kinetic Federal Credit Union — Columbus
- Associated Credit Union — Norcross
- Membersfirst Credit Union — Decatur
- Workmen's Circle Incorporated Credit Union — Savannah
- Ukrainian National Federal Credit Union — New York
- Marshland Credit Union — Brunswick
- Credit Union of Georgia — Woodstock
- Midsouth Community Federal Credit Union — Macon
- Excel Federal Credit Union — Norcross
- Faith Connection Federal Credit Union — Marietta
- Justice Federal Credit Union — Chantilly
- North Georgia Credit Union — Toccoa
- Comtrust Federal Credit Union — Chattanooga
- Mygeorgia Credit Union — Gainesville
- The Southern Credit Union — Fayetteville
- B.O.N.D. Community Federal Credit Union — Atlanta
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.