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 |
|---|---|---|---|---|
| Wings Credit Union | Colorado SpringsHQ CO | $2.27B | $88.5M | $344.2M |
| Landmark Credit Union | Brookfield | $2.19B | $51.2M | $126.5M |
| Community First Credit Union | Appleton | $1.80B | $165.4M | $131.8M |
| Royal Credit Union | Eau Claire | $1.46B | $88.0M | $96.1M |
| Trustone Financial Credit Union | PlymouthHQ MN | $1.33B | $24.6M | $100.4M |
| Summit Credit Union | Madison | $832.7M | $48.9M | $132.2M |
| Fox Communities Credit Union | Appleton | $819.6M | $52.3M | $54.2M |
| Credit Union 1 | LombardHQ IL | $813.1M | None reported | $41.2M |
| Covantage Credit Union | Antigo | $793.1M | $98.7M | $61.6M |
| Dupaco Community Credit Union | DubuqueHQ IA | $690.4M | $6.1M | $70.9M |
| Advia Credit Union | KalamazooHQ MI | $667.1M | $24.9M | $59.3M |
| Altra Federal Credit Union | Onalaska | $416.5M | $52.7M | $59.7M |
| Verve, a Credit Union | Oshkosh | $382.6M | $6.3M | $23.3M |
| Westconsin Credit Union | Menomonie | $334.0M | $50.2M | $43.6M |
| Westby Co-Op Credit Union | Westby | $296.7M | $5.4M | $24.0M |
| University of Wisconsin Credit Union | Madison | $236.4M | None reported | $92.8M |
| Capital Credit Union | Green Bay | $158.5M | $32.1M | $51.6M |
| Educators Credit Union | Racine | $156.7M | $1.9M | $83.2M |
| Baxter Credit Union | Vernon HillsHQ IL | $142.7M | None reported | $97.4M |
| Empeople Credit Union | MolineHQ IL | $109.0M | $1.8M | $28.1M |
The remaining 38 credit unions with an office in Wisconsin that report commercial real estate lending:
- Co-Op Credit Union — Black River Falls
- Self-Help Federal Credit Union — Durham
- Kohler Credit Union — Sheboygan
- Heartland Credit Union — Madison
- Blackhawk Community Credit Union — Janesville
- Superior Choice Credit Union — Superior
- Simplicity Credit Union — Marshfield
- Unitedone Credit Union — Manitowoc
- Unison Credit Union — Kaukauna
- Park City Credit Union — Merrill
- Firefighters Credit Union — Onalaska
- Prospera Credit Union — Appleton
- Fort Community Credit Union — Fort Atkinson
- Harbor Pointe Credit Union — Duluth
- Shoreline Credit Union — Two Rivers
- 1st Community Credit Union — Sparta
- First Community Cu of Beloit Credit Union — Beloit
- Members' Advantage Credit Union — Wisconsin Rapids
- Arcadia Credit Union — Arcadia
- Centricity Credit Union — Hermantown
- Cloverbelt Credit Union — Wausau
- Premier Financial Credit Union — New Holstein
- Glacier Hills Credit Union — West Bend
- Red Crown Federal Credit Union — Tulsa
- Mayo Employees Federal Credit Union — Rochester
- Forward Financial Credit Union — Niagara
- Prime Financial Credit Union — Cudahy
- Marine Credit Union — La Crosse
- TruNorthern Federal Credit Union — Malone
- Tomah Area Credit Union — Tomah
- Sheboygan Area Credit Union — Sheboygan
- Ripco Credit Union — Rhinelander
- Taylor Credit Union — Medford
- Guardian Credit Union — Oak Creek
- Valley Communities Credit Union — Mosinee
- Connexus Credit Union — Wausau
- County - City Credit Union — Jefferson
- 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.