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 |
|---|---|---|---|---|
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Truliant Federal Credit Union | Winston Salem | $921.0M | $17.9M | $85.8M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Allegacy Financial Federal Credit Union | Winston Salem | $521.5M | $103.3M | $44.5M |
| Self-Help Credit Union | Durham | $363.7M | $178.7M | $79.8M |
| United Federal Credit Union | St. JosephHQ MI | $360.1M | $25.3M | $79.4M |
| Centra Credit Union | ColumbusHQ IN | $290.6M | $23.3M | $44.0M |
| REV Federal Credit Union | CharlestonHQ SC | $266.8M | $33.8M | $25.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Skyla Federal Credit Union | Charlotte | $239.9M | $8.0M | $24.0M |
| Corning Federal Credit Union | CorningHQ NY | $170.4M | $19.8M | $45.1M |
| Coastal Federal Credit Union | Raleigh | $163.5M | None reported | $92.1M |
| Langley Federal Credit Union | Newport NewsHQ VA | $150.2M | $4.8M | $78.0M |
| Baxter Credit Union | Vernon HillsHQ IL | $142.7M | None reported | $97.4M |
| Empeople Credit Union | MolineHQ IL | $109.0M | $1.8M | $28.1M |
| ABNB Federal Credit Union | ChesapeakeHQ VA | $104.4M | $9.1M | $10.9M |
| Civic Federal Credit Union | Raleigh | $104.2M | $4.4M | $27.0M |
| Self-Help Federal Credit Union | Durham | $66.2M | $389,254 | $91.0M |
| Credit Human Federal Credit Union | San AntonioHQ TX | $61.7M | $17.5M | $47.9M |
| Ukrainian Federal Credit Union | RochesterHQ NY | $52.7M | $4.0M | $5.1M |
The remaining 16 credit unions with an office in North Carolina that report commercial real estate lending:
- Marine Federal Credit Union — Jacksonville
- Champion Credit Union — Canton
- Workmen's Circle Incorporated Credit Union — Savannah
- Carolinas Telco Federal Credit Union — Charlotte
- Arlington Community Federal Credit Union — Arlington
- American Partners Federal Credit Union — Reidsville
- North Carolina Community Federal Credit Union — Goldsboro
- Founders Federal Credit Union — Lancaster
- Proponent Federal Credit Union — Nutley
- American Airlines Federal Credit Union — Fort Worth
- Shuford Federal Credit Union — Hickory
- First NRV Federal Credit Union — Radford
- Bragg Mutual Federal Credit Union — Fayetteville
- RTP Federal Credit Union — Research Triangle Park
- URW Community Federal Credit Union — Danville
- Excite Credit Union — San Jose
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.