What these figures mean
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; the balances beside it are institution-wide and are not apportioned to this state. Institutions headquartered in this state are listed first.
| Credit union | Location | CRE on the books | Construction | Regulatory lending ceiling |
|---|---|---|---|---|
| Alabama Credit Union | Tuscaloosa | $389.7M | $4.1M | $30.9M |
| Redstone Federal Credit Union | Huntsville | $374.6M | $100.3M | $178.6M |
| Alabama One Credit Union | Tuscaloosa | $264.5M | $35.8M | $20.7M |
| MAX Credit Union | Montgomery | $244.3M | $34.8M | $51.8M |
| Listerhill Credit Union | Sheffield | $228.8M | $28.1M | $24.4M |
| Five Star Credit Union | Dothan | $217.9M | $26.8M | $26.1M |
| Family Savings Credit Union | Rainbow City | $167.8M | $7.1M | $15.6M |
| All in Federal Credit Union | Daleville | $143.1M | $9.6M | $56.6M |
| Avadian Credit Union | Birmingham | $83.2M | $13.8M | $22.1M |
| Emblem Credit Union | Gadsden | $80.6M | $4.4M | $10.6M |
| AOD Federal Credit Union | Bynum | $79.9M | $2.4M | $11.5M |
| Naheola Credit Union | Pennington | $29.5M | None reported | $5.9M |
| Legacy Community Federal Credit Union | Birmingham | $26.7M | $613,400 | $14.5M |
| Auburn University Credit Union | Auburn | $17.0M | $3.5M | $3.9M |
| America's First Federal Credit Union | Birmingham | $16.6M | $2.4M | $51.2M |
| Alabama Central Credit Union | Birmingham | $15.8M | $110,114 | $3.1M |
| Tva Community Credit Union | Muscle Shoals | $8.0M | None reported | $11.8M |
| Guardian Credit Union | Prattville | $7.9M | None reported | $18.1M |
| Alabama State Employees Credit Union | Montgomery | $7.1M | None reported | $8.5M |
| Mutual Savings Credit Union | Birmingham | $5.9M | None reported | $3.3M |
The remaining 21 credit unions with an office in Alabama that report commercial real estate lending:
- Alatrust Credit Union — Hoover
- Coosa Pines Federal Credit Union — Childersburg
- Heritage South Credit Union — Sylacauga
- Sycamore Federal Credit Union — Sycamore
- Red Oak Credit Union — Tuscaloosa
- Winsouth Credit Union — Gadsden
- Family Security Credit Union — Decatur
- Azalea City Credit Union — Mobile
- Tuskegee Federal Credit Union — Tuskegee
- Opp-Micolas Credit Union — Opp
- CommunityAmerica Credit Union — Lenexa
- Navy Federal Credit Union — Vienna
- Keesler Federal Credit Union — Biloxi
- Hope Credit Union — Jackson
- Penair Credit Union — Pensacola
- Platinum Federal Credit Union — Duluth
- Kinetic Federal Credit Union — Columbus
- Gulf Winds Credit Union — Pensacola
- Navigator Federal Credit Union — Pascagoula
- MTC Federal Credit Union — Greenville
- Neighborhood Trust Federal Credit Union — New York