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 |
| Security Service Federal Credit Union | San Antonio | $1.53B | $16.6M | $238.7M |
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Nusenda Credit Union | AlbuquerqueHQ NM | $1.15B | $85.4M | $68.0M |
| Randolph-Brooks Federal Credit Union | Universal City | $970.6M | $37.0M | $393.8M |
| Delta Community Credit Union | AtlantaHQ GA | $968.5M | $2.2M | $172.2M |
| Eastman Credit Union | KingsportHQ TN | $906.7M | $66.3M | $226.9M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| GECU | El Paso | $575.7M | $106.2M | $93.9M |
| EECU | Fort Worth | $433.5M | $2.4M | $92.8M |
| Altra Federal Credit Union | OnalaskaHQ WI | $416.5M | $52.7M | $59.7M |
| Tinker Federal Credit Union | Oklahoma CityHQ OK | $403.1M | $24.2M | $135.1M |
| Firstlight Federal Credit Union | El Paso | $378.9M | $36.6M | $25.3M |
| Premier America Credit Union | ChatsworthHQ CA | $351.9M | None reported | $47.0M |
| Texas Dow Employees Credit Union | Houston | $272.1M | $20.1M | $76.6M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Rally Credit Union | Corpus Christi | $232.0M | $28.0M | $100.5M |
| First Community Credit Union | Houston | $218.2M | $405,000 | $36.8M |
| Farmers Insurance Federal Credit Union | Los AngelesHQ CA | $192.2M | None reported | $19.7M |
| A+ Federal Credit Union | Austin | $190.7M | $9.7M | $52.9M |
The remaining 96 credit unions with an office in Texas that report commercial real estate lending:
- United Heritage Credit Union — Austin
- Technology Credit Union — San Jose
- Firstmark Credit Union — San Antonio
- Together Credit Union — Saint Louis
- University Federal Credit Union — Austin
- Meriwest Credit Union — San Jose
- Red River Employees Federal Credit Union — Texarkana
- Credit Union of Texas — Allen
- Alliance Credit Union — Lubbock
- Firefighters First Federal Credit Union — Los Angeles
- Austin Telco Federal Credit Union — Austin
- Smart Financial Credit Union — Houston
- Generations Community Federal Credit Union — San Antonio
- Skyone Federal Credit Union — Hawthorne
- Amplify Credit Union — Austin
- Texell — Temple
- Community Resource Credit Union — Baytown
- Members Trust of The Southwest Federal Credit Union — Houston
- Truity Credit Union — Bartlesville
- Raiz Federal Credit Union — El Paso
- Rave Financial Credit Union — Beaumont
- Suma Federal Credit Union — Yonkers
- Intouch Credit Union — Plano
- TruWest Credit Union — Scottsdale
- Houston Federal Credit Union — Sugar Land
- Fivepoint Credit Union — Nederland
- Credit Human Federal Credit Union — San Antonio
- Chartway Federal Credit Union — Virginia Beach
- Dugood Federal Credit Union — Beaumont
- Primeway Federal Credit Union — Houston
- Texas Trust Credit Union — Mansfield
- Barksdale Federal Credit Union — Barksdale Afb
- Nizari Progressive Federal Credit Union — Sugar Land
- Greater Texas Federal Credit Union — Austin
- Union Square Credit Union — Wichita Falls
- Neches Federal Credit Union — Port Neches
- Carter Credit Union — Springhill
- Energy One Federal Credit Union — Tulsa
- Bayer Heritage Federal Credit Union — New Martinsville
- First Basin Credit Union — Odessa
- First Service Credit Union — Houston
- 1st Community Federal Credit Union — San Angelo
- Texar Federal Credit Union — Texarkana
- MCT Credit Union — Port Neches
- Education First Federal Credit Union — Beaumont
- Texoma Community Credit Union — Wichita Falls
- Coastlife Credit Union — Corpus Christi
- Access Community Credit Union — Amarillo
- Pioneer Mutual Federal Credit Union — Sugar Land
- Southwest Heritage Credit Union — Odessa
- Members Choice Credit Union — Houston
- Gulf Credit Union — Groves
- East Texas Professional Credit Union — Longview
- Essential Credit Union — Baton Rouge
- Resource One Credit Union — Dallas
- Openland Credit Union — League City
- Texas Bay Credit Union — Houston
- 4U Federal Credit Union — Gainesville
- Baptist Credit Union — San Antonio
- River City Federal Credit Union — San Antonio
- Luso-American Credit Union — Peabody
- Windthorst Federal Credit Union — Windthorst
- Southwest 66 Credit Union — Odessa
- Adirondack Regional Federal Credit Union — Tupper Lake
- National Police Federal Credit Union — Chicago
- Westex Community Credit Union — Kermit
- Postel Family Credit Union — Wichita Falls
- Walker County Federal Credit Union — Huntsville
- Trans Texas Southwest Credit Union — San Angelo
- First Federal Credit Union — Hiawatha
- Mountain Star Federal Credit Union — El Paso
- American Airlines Federal Credit Union — Fort Worth
- Greater Central Texas Federal Credit Union — Killeen
- First Central Credit Union — Waco
- Fort Worth City Credit Union — Fort Worth
- Texasgulf Federal Credit Union — Wharton
- Share Advantage Credit Union — Duluth
- Gulf Coast Federal Credit Union — Corpus Christi
- Justice Federal Credit Union — Chantilly
- Genco Federal Credit Union — Waco
- Select Federal Credit Union — San Antonio
- VA Desert Pacific Federal Credit Union — Long Beach
- Texans Credit Union — Richardson
- Community Service Credit Union — Huntsville
- Cy-Fair Federal Credit Union — Houston
- Everest Federal Credit Union — Jackson Heights
- Texas Associations of Professionals Federal Credit Union — San Antonio
- Service 1st Credit Union — Greenville
- Temple Santa Fe Community Credit Union — Temple
- Yantis Federal Credit Union — Yantis
- Texas Bridge Credit Union — Corpus Christi
- Pampa Teachers Federal Credit Union — Pampa
- B.O.N.D. Community Federal Credit Union — Atlanta
- Velocity Credit Union — Austin
- Reeves County Teachers Credit Union — Pecos
- Laredo Federal Credit Union — Laredo
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.