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 |
|---|---|---|---|---|
| First Technology Federal Credit Union | San JoseHQ CA | $2.97B | $47.3M | $449.5M |
| STCU | Liberty LakeHQ WA | $893.7M | $12.0M | $99.4M |
| OnPoint Community Credit Union | Portland | $737.5M | $10.8M | $214.6M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Columbia Community Credit Union | VancouverHQ WA | $495.5M | $36.1M | $51.7M |
| HAPO Community Credit Union | RichlandHQ WA | $493.7M | $56.0M | $50.1M |
| Peak Credit Union | OlympiaHQ WA | $455.6M | $1.7M | $72.1M |
| iQ Credit Union | VancouverHQ WA | $386.7M | $56.0M | $37.1M |
| SELCO Community Credit Union | Springfield | $324.7M | $867,028 | $53.8M |
| Oregon State Credit Union | Corvallis | $304.2M | $16.6M | $49.1M |
| Unitus Community Credit Union | Tigard | $303.4M | None reported | $26.8M |
| Rivermark Community Credit Union | Oregon City | $286.6M | None reported | $52.7M |
| Marion and Polk Schools Credit Union | Salem | $280.9M | $10.2M | $26.3M |
| Red Canoe Credit Union | LongviewHQ WA | $248.6M | $39.7M | $22.3M |
| First Community Credit Union | Coquille | $221.2M | $15.4M | $35.6M |
| Oregon Community Credit Union | Eugene | $212.9M | None reported | $57.7M |
| Rogue Credit Union | Medford | $175.0M | $8.8M | $67.4M |
| Fibre Federal Credit Union | LongviewHQ WA | $167.6M | $1.9M | $37.4M |
| Old West Federal Credit Union | John Day | $118.7M | None reported | $5.7M |
| Mid Oregon Credit Union | Bend | $99.9M | $2.5M | $15.6M |
The remaining 17 credit unions with an office in Oregon that report commercial real estate lending:
- Inroads Federal Credit Union — Saint Helens
- Embold Federal Credit Union — Oregon City
- Consolidated Federal Credit Union — Portland
- Central Willamette Credit Union — Albany
- Horizon Credit Union — Spokane Valley
- Ukrainian Federal Credit Union — Rochester
- Wauna Federal Credit Union — Clatskanie
- Sage Federal Credit Union — Klamath Falls
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- NW Preferred Federal Credit Union — Tigard
- Cascade Community Federal Credit Union — Roseburg
- Oregonians Credit Union — Milwaukie
- Valley Credit Union — Salem
- Trailhead Credit Union — Portland
- Pacific NW Federal Credit Union — Portland
- Emerald Empire Federal Credit Union — Springfield
- IBEW & United Workers Federal Credit Union — Portland
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.