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 |
|---|---|---|---|---|
| Green State Credit Union | North LibertyHQ IA | $2.63B | $67.5M | $148.2M |
| Alliant Credit Union | Chicago | $1.92B | $92.0M | $275.2M |
| Michigan State University Federal Credit Union | East LansingHQ MI | $925.9M | $68.9M | $119.2M |
| Credit Union 1 | Lombard | $813.1M | None reported | $41.2M |
| Covantage Credit Union | AntigoHQ WI | $793.1M | $98.7M | $61.6M |
| Citizens Equity First Credit Union | Peoria | $737.9M | $19.9M | $148.5M |
| Dupaco Community Credit Union | DubuqueHQ IA | $690.4M | $6.1M | $70.9M |
| Advia Credit Union | KalamazooHQ MI | $667.1M | $24.9M | $59.3M |
| Verve, a Credit Union | OshkoshHQ WI | $382.6M | $6.3M | $23.3M |
| Consumers Credit Union | Lake Forest | $324.9M | None reported | $60.9M |
| Polish & Slavic Federal Credit Union | BrooklynHQ NY | $267.1M | None reported | $46.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Selfreliance Federal Credit Union | Chicago | $254.2M | $6.8M | $21.8M |
| I. H. Mississippi Valley Credit Union | Moline | $191.0M | $2.1M | $31.3M |
| Great Lakes Credit Union | Bannockburn | $169.8M | None reported | $19.5M |
| Together Credit Union | Saint LouisHQ MO | $162.7M | $10.5M | $39.6M |
| Baxter Credit Union | Vernon Hills | $142.7M | None reported | $97.4M |
| Dutrac Community Credit Union | DubuqueHQ IA | $120.3M | None reported | $21.9M |
| Empeople Credit Union | Moline | $109.0M | $1.8M | $28.1M |
| Tech Credit Union | Crown PointHQ IN | $99.2M | $6.8M | $8.2M |
The remaining 33 credit unions with an office in Illinois that report commercial real estate lending:
- Alero Financial Credit Union — Elgin
- 1st Midamerica Credit Union — Bethalto
- Self-Help Federal Credit Union — Durham
- Land of Lincoln Credit Union — Decatur
- Numark Credit Union — Joliet
- Vibrant Credit Union — Moline
- Arsenal Credit Union — Arnold
- Ascentra Credit Union — Bettendorf
- First Community Credit Union — Chesterfield
- West Community Credit Union — O Fallon
- SIU Credit Union — Carbondale
- University of Illinois Community Credit Union — Champaign
- First Community Cu of Beloit Credit Union — Beloit
- IAA Credit Union — Bloomington
- Merck Sharp & Dohme Federal Credit Union — Chalfont
- Scott Credit Union — Edwardsville
- Revity Credit Union — Granite City
- Cornerstone Credit Union — Freeport
- Taylorville Community Credit Union — Taylorville
- Healthcare Associates Credit Union — Lisle
- National Police Federal Credit Union — Chicago
- Genfed Financial Credit Union — Akron
- Actors Federal Credit Union — New York
- Eaton Family Credit Union — Euclid
- The Credit Union for All — Bloomington
- American Airlines Federal Credit Union — Fort Worth
- Illiana Financial Credit Union — Calumet City
- Justice Federal Credit Union — Chantilly
- Gale Credit Union — Galesburg
- Commonwealth Credit Union — Bourbonnais
- Midwest Members Credit Union — Wood River
- Rock Valley Credit Union — Loves Park
- Connexus Credit Union — Wausau
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.