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 |
| BECU | Tukwila | $2.91B | $106.5M | $558.7M |
| Global Credit Union | AnchorageHQ AK | $1.82B | $14.9M | $189.2M |
| Idaho Central Credit Union | ChubbuckHQ ID | $1.57B | $151.2M | $193.8M |
| Numerica Credit Union | Spokane Valley | $1.37B | $140.8M | $78.0M |
| Gesa Credit Union | Richland | $1.21B | $143.4M | $95.3M |
| STCU | Liberty Lake | $893.7M | $12.0M | $99.4M |
| Sound Credit Union | Tacoma | $825.1M | $36.9M | $56.2M |
| OnPoint Community Credit Union | PortlandHQ OR | $737.5M | $10.8M | $214.6M |
| WSECU | Olympia | $665.6M | None reported | $75.5M |
| Whatcom Educational Credit Union | Bellingham | $614.0M | $110.2M | $57.2M |
| Harborstone Credit Union | Tacoma | $548.1M | $22.5M | $43.9M |
| Columbia Community Credit Union | Vancouver | $495.5M | $36.1M | $51.7M |
| HAPO Community Credit Union | Richland | $493.7M | $56.0M | $50.1M |
| Peak Credit Union | Olympia | $455.6M | $1.7M | $72.1M |
| iQ Credit Union | Vancouver | $386.7M | $56.0M | $37.1M |
| Potlatch No. 1 Financial Credit Union | LewistonHQ ID | $314.5M | $40.0M | $28.5M |
| Unitus Community Credit Union | TigardHQ OR | $303.4M | None reported | $26.8M |
| Seattle Metropolitan Credit Union | Seattle | $298.5M | None reported | $20.2M |
| Rivermark Community Credit Union | Oregon CityHQ OR | $286.6M | None reported | $52.7M |
The remaining 34 credit unions with an office in Washington that report commercial real estate lending:
- Solarity Credit Union — Yakima
- Navy Federal Credit Union — Vienna
- Nuvision Federal Credit Union — Huntington Beach
- Red Canoe Credit Union — Longview
- America's Credit Union — Dupont
- Fibre Federal Credit Union — Longview
- Meriwest Credit Union — San Jose
- Firefighters First Federal Credit Union — Los Angeles
- O BEE Credit Union — Lacey
- TAPCO Credit Union — Fircrest
- North Coast Credit Union — Bellingham
- Kitsap Credit Union — Bremerton
- Verity Credit Union — Seattle
- Self-Help Federal Credit Union — Durham
- Salal Credit Union — Seattle
- Credit Human Federal Credit Union — San Antonio
- Horizon Credit Union — Spokane Valley
- Ukrainian Federal Credit Union — Rochester
- Cascade Federal Credit Union — Kent
- People's Community Federal Credit Union — Vancouver
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- WCLA Credit Union — Olympia
- Great Northwest Federal Credit Union — Aberdeen
- Our Community Credit Union — Shelton
- Qualstar Credit Union — Bothell
- Sno Falls Credit Union — North Bend
- Lewis Clark Credit Union — Lewiston
- Spokane Firefighters Credit Union — Spokane
- Newrizons Federal Credit Union — Hoquiam
- South Bay Credit Union — Redondo Beach
- Pacific NW Federal Credit Union — Portland
- Delta Schools Federal Credit Union — Antioch
- Industrial Cu of Whatcom County Credit Union — Bellingham
- Governmental Employees Credit Union — La Crosse
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.