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 Liberty | $2.63B | $67.5M | $148.2M |
| Veridian Credit Union | Waterloo | $803.4M | $123.3M | $158.9M |
| Dupaco Community Credit Union | Dubuque | $690.4M | $6.1M | $70.9M |
| Cobalt Credit Union | PapillionHQ NE | $215.8M | $29.1M | $18.3M |
| I. H. Mississippi Valley Credit Union | MolineHQ IL | $191.0M | $2.1M | $31.3M |
| Community 1st Credit Union | Ottumwa | $182.8M | $78,702 | $17.4M |
| Community Choice Credit Union | Johnston | $122.5M | $5.8M | $17.6M |
| Collins Community Credit Union | Cedar Rapids | $120.9M | $5.4M | $17.8M |
| Dutrac Community Credit Union | Dubuque | $120.3M | None reported | $21.9M |
| Centris Federal Credit Union | OmahaHQ NE | $113.4M | $14.4M | $20.9M |
| Empeople Credit Union | MolineHQ IL | $109.0M | $1.8M | $28.1M |
| Vibrant Credit Union | MolineHQ IL | $41.0M | $14.8M | $14.4M |
| City & County Credit Union | Saint PaulHQ MN | $38.8M | $6.7M | $21.2M |
| Ascentra Credit Union | Bettendorf | $37.3M | $1.1M | $9.1M |
| Greater Iowa Credit Union | Ames | $36.5M | None reported | $10.1M |
| Cedar Falls Community Credit Union | Cedar Falls | $35.4M | $4.0M | $6.0M |
| Levo Federal Credit Union | Sioux FallsHQ SD | $34.2M | $571,460 | $8.9M |
| Corda Credit Union | Cedar Rapids | $22.5M | $6.0M | $11.1M |
| Members1st Community Credit Union | Marshalltown | $5.8M | $1.9M | $4.5M |
| Peoples Credit Union | Webster City | $2.9M | None reported | $1.4M |
The remaining 9 credit unions with an office in Iowa that report commercial real estate lending:
- Siouxland Federal Credit Union — South Sioux City
- First Federal Credit Union — Hiawatha
- Lamoure Credit Union — Lamoure
- North Iowa Community Credit Union — Mason City
- Marine Credit Union — La Crosse
- Midland Credit Union — Urbandale
- North Star Community Credit Union — Cherokee
- First Class Community Credit Union — West Des Moines
- Employees Credit Union — Estherville
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.