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 |
|---|---|---|---|---|
| FourLeaf Federal Credit Union | Bethpage | $1.78B | $5.7M | $194.6M |
| ESL Federal Credit Union | Rochester | $931.7M | $60.6M | $265.8M |
| Broadview Federal Credit Union | Albany | $720.3M | $20.2M | $123.5M |
| Kinecta Federal Credit Union | Manhattan BeachHQ CA | $705.3M | None reported | $88.2M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Self Reliance Financial Federal Credit Union | New York | $561.8M | None reported | $52.6M |
| Hudson Valley Federal Credit Union | Poughkeepsie | $538.4M | $18.7M | $127.5M |
| Visions Federal Credit Union | Endicott | $519.9M | $35.7M | $83.0M |
| Jovia Financial Federal Credit Union | Westbury | $450.4M | $1.6M | $67.0M |
| Teachers Federal Credit Union | Smithtown | $442.0M | None reported | $164.0M |
| Empower Federal Credit Union | Syracuse | $436.0M | $18.9M | $62.9M |
| Centra Credit Union | ColumbusHQ IN | $290.6M | $23.3M | $44.0M |
| Polish & Slavic Federal Credit Union | Brooklyn | $267.1M | None reported | $46.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Americu Credit Union | Rome | $251.7M | $2.2M | $43.4M |
| Affinity Federal Credit Union | Basking RidgeHQ NJ | $249.0M | None reported | $53.1M |
| Suffolk Federal Credit Union | Medford | $178.6M | None reported | $26.8M |
| Island Federal Credit Union | Hauppauge | $174.1M | None reported | $20.8M |
| Corning Federal Credit Union | Corning | $170.4M | $19.8M | $45.1M |
| Together Credit Union | Saint LouisHQ MO | $162.7M | $10.5M | $39.6M |
The remaining 63 credit unions with an office in New York that report commercial real estate lending:
- Mid-Hudson Valley Federal Credit Union — Kingston
- Sunmark Credit Union — Albany
- Cornerstone Community Federal Credit Union — Lockport
- Beginnings Credit Union — Ithaca
- Heritage Family Federal Credit Union — Rutland
- First Source Federal Credit Union — New Hartford
- Suma Federal Credit Union — Yonkers
- Sidney Federal Credit Union — Sidney
- Northern Federal Credit Union — Watertown
- North Country Federal Credit Union — Burlington
- TEG Federal Credit Union — Poughkeepsie
- Sea Comm Federal Credit Union — Massena
- First Heritage Federal Credit Union — Corning
- Greylock Federal Credit Union — Pittsfield
- Ukrainian Federal Credit Union — Rochester
- First New York Federal Credit Union — Albany
- United Nations Federal Credit Union — Long Island City
- Family First of NY Federal Credit Union — Rochester
- High Point Federal Credit Union — Olean
- Dannemora Federal Credit Union — Plattsburgh
- Ocean Financial Federal Credit Union — Oceanside
- Nassau Financial Federal Credit Union — East Meadow
- Lower East Side People's Federal Credit Union — New York
- Consumers Federal Credit Union — Brooklyn
- Ukrainian National Federal Credit Union — New York
- Heritage Financial Federal Credit Union — Middletown
- Reliant Community Federal Credit Union — Sodus
- SJP Federal Credit Union — Buffalo
- Utica Gas & Electric Emp Federal Credit Union — New Hartford
- General Electric Employees Federal Credit Union — Milford
- Finger Lakes Federal Credit Union — Geneva
- Saint Lawrence Federal Credit Union — Ogdensburg
- Access Federal Credit Union — Clinton
- Alternatives Federal Credit Union — Ithaca
- Italo-American Federal Credit Union — Glendale
- Brooklyn Cooperative Federal Credit Union — Brooklyn
- Palisades Federal Credit Union — Pearl River
- Adirondack Regional Federal Credit Union — Tupper Lake
- GHS Federal Credit Union — Binghamton
- Financial Trust Federal Credit Union — Cheektowaga
- Actors Federal Credit Union — New York
- Quorum Federal Credit Union — Purchase
- USAlliance Federal Credit Union — Rye
- G.P.O. Federal Credit Union — New Hartford
- American Airlines Federal Credit Union — Fort Worth
- Genesee Valley Federal Credit Union — Geneseo
- Neighborhood Trust Federal Credit Union — New York
- Xcel Federal Credit Union — Bloomfield
- Syracuse Cooperative Federal Credit Union — Syracuse
- Port Washington Federal Credit Union — Port Washington
- Justice Federal Credit Union — Chantilly
- The Summit Federal Credit Union — Rochester
- TruNorthern Federal Credit Union — Malone
- Eastern Operating Engineers Federal Credit Union — Whitestone
- Hudson River Community Federal Credit Union — Corinth
- Buffalo Conrail Federal Credit Union — Cheektowaga
- Niagara's Choice Federal Credit Union — Niagara Falls
- Ulster Federal Credit Union — Kingston
- Everest Federal Credit Union — Jackson Heights
- Transfiguration Parish Federal Credit Union — Brooklyn
- Community Resource Federal Credit Union — Latham
- Good Neighbors Federal Credit Union — Depew
- FASNY Federal Credit Union — Albany
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.