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 |
|---|---|---|---|---|
| Wright-Patt Credit Union, Inc. | Beavercreek | $882.4M | $63.8M | $162.2M |
| General Electric Credit Union | Cincinnati | $451.8M | $42.5M | $53.8M |
| United Federal Credit Union | St. JosephHQ MI | $360.1M | $25.3M | $79.4M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Telhio Credit Union | Columbus | $253.2M | $2.6M | $19.6M |
| Cinfed Credit Union | Cincinnati | $234.3M | $19.3M | $15.0M |
| KEMBA Financial Credit Union | Gahanna | $217.3M | $18.1M | $46.7M |
| Superior Credit Union, Inc | Lima | $171.5M | $16.1M | $44.8M |
| Together Credit Union | Saint LouisHQ MO | $162.7M | $10.5M | $39.6M |
| Three Rivers Federal Credit Union | Fort WayneHQ IN | $143.7M | $13.0M | $58.3M |
| Baxter Credit Union | Vernon HillsHQ IL | $142.7M | None reported | $97.4M |
| Seven Seventeen Credit Union | Warren | $138.3M | None reported | $40.5M |
| Kemba Credit Union | West Chester | $137.3M | $3.9M | $30.5M |
| Clearview Federal Credit Union | Moon TownshipHQ PA | $131.5M | $14.8M | $36.6M |
| OC Federal Credit Union | Garfield Heights | $83.7M | None reported | $6.4M |
| Desco Federal Credit Union | Portsmouth | $76.9M | $2.3M | $9.7M |
| Everence Federal Credit Union | LancasterHQ PA | $61.1M | $529,211 | $5.9M |
| Atomic Credit Union | Piketon | $60.4M | $4.7M | $10.6M |
| Ukrainian Federal Credit Union | RochesterHQ NY | $52.7M | $4.0M | $5.1M |
| Oucu Financial Credit Union, Inc. | Athens | $40.3M | $806,499 | $9.1M |
The remaining 62 credit unions with an office in Ohio that report commercial real estate lending:
- Abbey Credit Union — Vandalia
- Day Air Credit Union — Kettering
- Bayer Heritage Federal Credit Union — New Martinsville
- IH Credit Union — Springfield
- Vacationland Federal Credit Union — Sandusky
- Pathways Financial Credit Union — Columbus
- River Valley Credit Union — Miamisburg
- Sun Federal Credit Union — Maumee
- Directions Credit Union — Toledo
- Cardinal Credit Union, Inc. — Mentor
- First Choice America Community Federal Credit Union — Weirton
- Christian Family Credit Union — North Canton
- Security Credit Union — Grand Blanc
- First Service Federal Credit Union — Groveport
- Quest Federal Credit Union — Kenton
- Glass City Federal Credit Union — Maumee
- Midwest Community Federal Credit Union — Defiance
- Cornerstone Community Financial Credit Union — Auburn Hills
- Fremont Federal Credit Union — Fremont
- Hancock Federal Credit Union — Findlay
- Myusa Credit Union — Middletown
- Lakeview Federal Credit Union — Ashtabula
- Firelands Federal Credit Union — Bellevue
- Partners 1st Federal Credit Union — Fort Wayne
- Universal 1 Credit Union — Dayton
- Sharefax Credit Union — Cincinnati
- National Police Federal Credit Union — Chicago
- Impact Credit Union, Inc. — Clyde
- Genfed Financial Credit Union — Akron
- Greater Cincinnati School Credit Union — Cincinnati
- Eaton Family Credit Union — Euclid
- Medina County Federal Credit Union — Wadsworth
- Community Star Credit Union — Elyria
- Riverview Federal Credit Union — Belpre
- Ohio Valley Community Federal Credit Union — Clarington
- Bridge Credit Union — Powell
- USX Federal Credit Union — Cranberry Township
- Code Credit Union — Dayton
- Trupartner Credit Union — Cincinnati
- Commodore Perry Federal Credit Union — Oak Harbor
- Homeland Credit Union — Chillicothe
- Cleveland Selfreliance Federal Credit Union — Parma
- Towpath Credit Union — Fairlawn
- Hopewell Federal Credit Union — Heath
- Community First Credit Union — Ashtabula
- CME Federal Credit Union — Columbus
- Pillar Credit Union — Marion
- Ft. Randall Federal Credit Union — Wagner
- Postal Family Credit Union, Inc. — Cincinnati
- Buckeye State Credit Union — Akron
- Stark Federal Credit Union — Canton
- St. Josephs Canton Parish Federal Credit Union — Canton
- Truecore Federal Credit Union — Newark
- Everest Federal Credit Union — Jackson Heights
- Century Federal Credit Union — Independence
- DN Community Federal Credit Union — Canton
- Canton School Employees Federal Credit Union — North Canton
- Falls Catholic Credit Union — Cuyahoga Falls
- Treadwell Credit Union — Dayton
- Sorg Bay West Federal Credit Union — Middletown
- Faith Community United Credit Union — Cleveland
- Ohio Valley Federal Credit Union — Batavia
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.