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 |
|---|---|---|---|---|
| Desert Financial Credit Union | Phoenix | $847.1M | $2.3M | $174.2M |
| Arizona Financial Credit Union | Phoenix | $690.9M | $44.0M | $69.7M |
| OneAZ Credit Union | Phoenix | $675.6M | $3.2M | $66.3M |
| Pima Federal Credit Union | Tucson | $441.2M | $18.1M | $24.0M |
| Vantage West Credit Union | Tucson | $225.4M | $5.9M | $51.7M |
| Avenir Financial Federal Credit Union | Yuma | $127.9M | $16.3M | $7.7M |
| Arizona Central Credit Union | Phoenix | $75.7M | None reported | $9.7M |
| TruWest Credit Union | Scottsdale | $74.5M | None reported | $28.3M |
| American Southwest Credit Union | Sierra Vista | $38.0M | $303,045 | $7.5M |
| Tucson Federal Credit Union | Tucson | $26.4M | None reported | $16.7M |
| Copper State Credit Union | Phoenix | $9.8M | $162,976 | $10.2M |
| Pinal County FCU | Casa Grande | $6.6M | None reported | $5.0M |
| Landings Credit Union | Tempe | $3.8M | None reported | $4.2M |
| Marisol Federal Credit Union | Phoenix | $93,798 | None reported | $1.0M |
| America First Credit Union | RiverdaleHQ UT | $2.75B | $254.2M | $432.9M |
| Mountain America Credit Union | SandyHQ UT | $2.33B | $149.1M | $327.3M |
| Global Credit Union | AnchorageHQ AK | $1.82B | $14.9M | $189.2M |
| Idaho Central Credit Union | ChubbuckHQ ID | $1.57B | $151.2M | $193.8M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Credit Union of Southern Ca, a | AnaheimHQ CA | $410.1M | None reported | $67.9M |
The remaining 11 credit unions with an office in Arizona that report commercial real estate lending:
- Notre Dame Federal Credit Union — Notre Dame
- Navy Federal Credit Union — Vienna
- Nuvision Federal Credit Union — Huntington Beach
- Farmers Insurance Federal Credit Union — Los Angeles
- Firefighters First Federal Credit Union — Los Angeles
- Arrowhead Federal Credit Union — Rancho Cucamonga
- Interfaith Federal Credit Union — Montclair
- Sierra Pacific Federal Credit Union — Reno
- Sharefax Credit Union — Cincinnati
- Mayo Employees Federal Credit Union — Rochester
- American Airlines Federal Credit Union — Fort Worth