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 |
|---|---|---|---|---|
| Members 1st Federal Credit Union | Enola | $942.3M | $113.4M | $192.2M |
| American Heritage Credit Union | Philadelphia | $875.2M | $3.1M | $67.7M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Self Reliance Financial Federal Credit Union | New YorkHQ NY | $561.8M | None reported | $52.6M |
| Visions Federal Credit Union | EndicottHQ NY | $519.9M | $35.7M | $83.0M |
| Citadel Federal Credit Union | Exton | $478.0M | $5.6M | $95.9M |
| United Federal Credit Union | St. JosephHQ MI | $360.1M | $25.3M | $79.4M |
| Philadelphia Federal Credit Union | Philadelphia | $316.8M | $7.3M | $38.3M |
| Polish & Slavic Federal Credit Union | BrooklynHQ NY | $267.1M | None reported | $46.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Trumark Financial Credit Union | Fort Washington | $259.8M | $26.0M | $58.1M |
| First Commonwealth Federal Credit Union | Lehigh Valley | $249.9M | $12.3M | $22.1M |
| Franklin Mint Federal Credit Union | Chadds Ford | $211.8M | $4.7M | $26.8M |
| Corning Federal Credit Union | CorningHQ NY | $170.4M | $19.8M | $45.1M |
| Patriot Federal Credit Union | Chambersburg | $135.9M | $14.0M | $23.1M |
| Clearview Federal Credit Union | Moon Township | $131.5M | $14.8M | $36.6M |
| Sun East Federal Credit Union | Aston | $98.1M | None reported | $11.7M |
| People First Federal Credit Union | Allentown | $93.9M | $3.8M | $11.8M |
| Alero Financial Credit Union | ElginHQ IL | $76.0M | $570,776 | $17.1M |
| Erie Federal Credit Union | Erie | $73.2M | $3.2M | $12.8M |
The remaining 69 credit unions with an office in Pennsylvania that report commercial real estate lending:
- Diamond Credit Union — Pottstown
- Service 1st Federal Credit Union — Danville
- Belco Community Credit Union — Harrisburg
- Everence Federal Credit Union — Lancaster
- First Heritage Federal Credit Union — Corning
- Inspire Federal Credit Union — Newtown
- Armco Credit Union — Butler
- Lebanon Federal Credit Union — Lebanon
- First Peoples Community Federal Credit Union — Cumberland
- Utilities Employees Credit Union — Reading
- Bayer Heritage Federal Credit Union — New Martinsville
- West-Aircomm Federal Credit Union — Beaver
- Penn State Federal Credit Union — Bellefonte
- Americhoice Federal Credit Union — Mechanicsburg
- Pennsylvania State Employees Credit Union — Harrisburg
- Century Heritage Federal Credit Union — Pittsburgh
- First Capital Federal Credit Union — York
- BHCU — Ridley Park
- High Point Federal Credit Union — Olean
- Sun Federal Credit Union — Maumee
- Chrome Federal Credit Union — Canonsburg
- CACL Federal Credit Union — Pottsville
- Top Tier Federal Credit Union — Clarion
- Christian Family Credit Union — North Canton
- Heritage Financial Federal Credit Union — Middletown
- Arize Federal Credit Union — State College
- Discovery Federal Credit Union — Wyomissing
- Lanco Federal Credit Union — Lancaster
- MC Federal Credit Union — Danville
- Freedom Credit Union — Warminster
- Utica Gas & Electric Emp Federal Credit Union — New Hartford
- Riverfront Federal Credit Union — Wyomissing
- Penn East Federal Credit Union — Scranton
- Merck Sharp & Dohme Federal Credit Union — Chalfont
- Omega Federal Credit Union — Wexford
- General Electric Employees Federal Credit Union — Milford
- Alden Credit Union — Chicopee
- Hershey Federal Credit Union — Hummelstown
- IRCO Community Federal Credit Union — Phillipsburg
- Fedchoice Federal Credit Union — Lanham
- Tri County Area Federal Credit Union — Pottstown
- Priority First Federal Credit Union — Du Bois
- First Harvest Federal Credit Union — Deptford
- Arc Federal Credit Union — Altoona
- New Alliance Federal Credit Union — Ambridge
- The One Federal Credit Union — Meadville
- Allegent Community Federal Credit Union — Pittsburgh
- R-S Bellco Federal Credit Union — New Brighton
- The United Federal Credit Union — Morgantown
- Guthrie Community Federal Credit Union — Sayre
- Eagle One Federal Credit Union — Claymont
- New Cumberland Federal Credit Union — New Cumberland
- USX Federal Credit Union — Cranberry Township
- USSCO Johnstown Federal Credit Union — Johnstown
- Mon Valley Community Federal Credit Union — Allenport
- American Airlines Federal Credit Union — Fort Worth
- Superior Credit Union — Collegeville
- Widget Federal Credit Union — Erie
- Cross Valley Federal Credit Union — Wilkes Barre
- Citymark Federal Credit Union — Plains
- Frick Financial Federal Credit Union — Uniontown
- Choice One Community Federal Credit Union — Plains Township
- Horizon Federal Credit Union — Williamsport
- Corry Federal Credit Union — Corry
- Riegel Federal Credit Union — Milford
- Timberland Federal Credit Union — Dubois
- Washington Area Teachers Federal Credit Union — Washington
- Susquehanna Valley Federal Credit Union — Camp Hill
- Saint Nicholas Federal Credit Union — Wilkes Barre
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.