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 |
|---|---|---|---|---|
| America First Credit Union | Riverdale | $2.75B | $254.2M | $432.9M |
| Mountain America Credit Union | Sandy | $2.33B | $149.1M | $327.3M |
| Security Service Federal Credit Union | San AntonioHQ TX | $1.53B | $16.6M | $238.7M |
| Goldenwest Federal Credit Union | Ogden | $994.7M | $91.3M | $85.8M |
| Delta Community Credit Union | AtlantaHQ GA | $968.5M | $2.2M | $172.2M |
| Utah Community Credit Union | Provo | $961.1M | $55.7M | $61.5M |
| Canyon View Credit Union | Salt Lake City | $528.8M | $108.3M | $31.5M |
| Utah First Federal Credit Union | Salt Lake City | $335.0M | $43.3M | $18.3M |
| Granite Credit Union | Salt Lake City | $224.5M | $6.8M | $13.8M |
| Cyprus Federal Credit Union | West Jordan | $222.9M | $20.2M | $38.8M |
| Wasatch Peaks Federal Credit Union | Ogden | $209.3M | $7.4M | $10.4M |
| Deseret First Federal Credit Union | West Valley City | $202.8M | $20.6M | $16.1M |
| Baxter Credit Union | Vernon HillsHQ IL | $142.7M | None reported | $97.4M |
| American United Federal Credit Union | West Jordan | $73.8M | $6.3M | $6.6M |
| Chartway Federal Credit Union | Virginia BeachHQ VA | $61.7M | $11.6M | $40.5M |
| Eastern Utah Community Federal Credit Union | Price | $29.6M | $246,475 | $4.6M |
| Jordan Federal Credit Union | South Jordan | $24.4M | None reported | $5.9M |
| Operating Engineers Local Union #3 Federal Credit Union | LivermoreHQ CA | $19.6M | $7.7M | $39.2M |
| Sierra Pacific Federal Credit Union | RenoHQ NV | $16.0M | None reported | $3.9M |
| Desert Rivers Federal Credit Union | Moab | $14.3M | $667,490 | $1.5M |
The remaining 12 credit unions with an office in Utah that report commercial real estate lending:
- Gulf Credit Union — Groves
- Hercules First Federal Credit Union — Salt Lake City
- Utah Heritage Credit Union — Moroni
- Pacific Horizon Credit Union — Springville
- Ulster Federal Credit Union — Kingston
- Desertview Federal Credit Union — Huntington
- Service 1st Credit Union — Greenville
- Hi-Land Credit Union — Salt Lake City
- Freedom Credit Union — Provo
- Affinity First Federal Credit Union — Minot
- Ridgeline Federal Credit Union — Salt Lake City
- Horizon Utah Federal Credit Union — Farmington
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.