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 |
|---|---|---|---|---|
| First Technology Federal Credit Union | San Jose | $2.97B | $47.3M | $449.5M |
| Golden 1 CU | Sacramento | $1.62B | None reported | $329.1M |
| Logix Federal Credit Union | Valencia | $833.2M | None reported | $227.7M |
| Redwood Credit Union | Santa Rosa | $818.1M | $10.5M | $199.3M |
| Mission Fed Credit Union | San Diego | $794.8M | None reported | $134.2M |
| Kinecta Federal Credit Union | Manhattan Beach | $705.3M | None reported | $88.2M |
| Adelfi Credit Union | San Dimas | $517.8M | $1.9M | $27.4M |
| American First Credit Union | Brea | $468.1M | None reported | $20.7M |
| California Federal Credit Union | Glendale | $448.0M | None reported | $76.6M |
| Stanford Federal Credit Union | Palo Alto | $420.6M | None reported | $78.1M |
| Credit Union of Southern Ca, a | Anaheim | $410.1M | None reported | $67.9M |
| San Diego County Credit Union | San Diego | $397.5M | None reported | $283.9M |
| SAFE Credit Union | Folsom | $366.9M | None reported | $71.7M |
| America's Christian Credit Union | Glendora | $362.4M | $15.7M | $10.7M |
| Premier America Credit Union | Chatsworth | $351.9M | None reported | $47.0M |
| Travis Credit Union | Vacaville | $346.3M | None reported | $91.7M |
| Valley Strong Credit Union | Bakersfield | $302.5M | $60.7M | $56.8M |
| Financial Partners Credit Union | Downey | $300.5M | None reported | $31.2M |
| Provident Credit Union | Redwood City | $298.0M | None reported | $58.5M |
| Altura Credit Union | Riverside | $282.3M | None reported | $44.3M |
The remaining 98 credit unions with an office in California that report commercial real estate lending:
- Orange County's Credit Union — Santa Ana
- California Coast Credit Union — San Diego
- Ventura County Credit Union — Ventura
- Nuvision Federal Credit Union — Huntington Beach
- Rize Federal Credit Union — El Monte
- Frontwave Credit Union — Oceanside
- Sun Community Federal Credit Union — El Centro
- Coasthills Federal Credit Union — Santa Maria
- First Entertainment Credit Union — Hollywood
- Farmers Insurance Federal Credit Union — Los Angeles
- San Francisco Federal Credit Union — San Francisco
- KeyPoint Credit Union — San Jose
- Technology Credit Union — San Jose
- Meriwest Credit Union — San Jose
- Coast Central Credit Union — Eureka
- Oceanair Federal Credit Union — Oxnard
- Firefighters First Federal Credit Union — Los Angeles
- Sesloc Credit Union — San Luis Obispo
- Clearpath Federal Credit Union — Burbank
- Skyone Federal Credit Union — Hawthorne
- San Francisco Fire Credit Union — San Francisco
- MyPoint Credit Union — San Diego
- Blupeak Credit Union — San Diego
- Valley First Federal Credit Union — Modesto
- Monterra Credit Union — Redwood City
- California Lithuanian Credit Union — Santa Monica
- E-Central Credit Union — Pasadena
- Sierra Central Credit Union — Yuba City
- University Credit Union — Los Angeles
- Southland Credit Union — Los Alamitos
- Arrowhead Federal Credit Union — Rancho Cucamonga
- First U.S. Community Credit Union — Sacramento
- Altaone Federal Credit Union — Ridgecrest
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- Patelco Credit Union — Dublin
- Bay Federal Credit Union — Capitola
- Families and Schools Together Federal Credit Union — Hanford
- Interfaith Federal Credit Union — Montclair
- Santa Cruz Community Credit Union — Santa Cruz
- Vision One Credit Union — Sacramento
- Sacramento Credit Union — Sacramento
- Yolo Federal Credit Union — Woodland
- Los Angeles Federal Credit Union — Glendale
- Chaffey Federal Credit Union — Upland
- Desert Valleys Federal Credit Union — Ridgecrest
- CAHP Credit Union — Sacramento
- Foothill Federal Credit Union — Arcadia
- Fresno Grangers Federal Credit Union — Fresno
- Polam Federal Credit Union — Los Angeles
- Cabrillo Credit Union — San Diego
- Gain Federal Credit Union — Burbank
- Union Yes Federal Credit Union — Orange
- MOCSE Federal Credit Union — Modesto
- Certified Federal Credit Union — El Monte
- Community First Credit Union — Santa Rosa
- Camino Federal Credit Union — Montebello
- Wescom Central Credit Union — Pasadena
- Long Beach Firemen S Credit Union — Long Beach
- VA Desert Pacific Federal Credit Union — Long Beach
- South Bay Credit Union — Redondo Beach
- Uncle Credit Union — Livermore
- Silverado Credit Union — Angwin
- Delta Schools Federal Credit Union — Antioch
- Northeast Community Federal Credit Union — San Francisco
- Modesto's First Federal Credit Union — Modesto
- Wheelhouse Credit Union — San Diego
- Excite Credit Union — San Jose
- La Loma Federal Credit Union — Loma Linda
- USC Credit Union — Los Angeles
- Polam Federal Credit Union — Redwood City
- Mission City Federal Credit Union — Santa Clara
- America First Credit Union — Riverdale
- Global Credit Union — Anchorage
- CommunityAmerica Credit Union — Lenexa
- Sunward Federal Credit Union — Albuquerque
- Citizens Equity First Credit Union — Peoria
- Navy Federal Credit Union — Vienna
- Skyla Federal Credit Union — Charlotte
- Rogue Credit Union — Medford
- Hanscom Federal Credit Union — Hanscom Afb
- Together Credit Union — Saint Louis
- Baxter Credit Union — Vernon Hills
- Point Breeze Credit Union — Hunt Valley
- Alero Financial Credit Union — Elgin
- American United Federal Credit Union — West Jordan
- Self-Help Federal Credit Union — Durham
- Ukrainian Federal Credit Union — Rochester
- Carolina Foothills Federal Credit Union — Spartanburg
- Sage Federal Credit Union — Klamath Falls
- Direct Federal Credit Union — Needham
- Credit Union of New Jersey, A — Ewing
- Carolinas Telco Federal Credit Union — Charlotte
- Actors Federal Credit Union — New York
- Collegedale Credit Union — Collegedale
- American Airlines Federal Credit Union — Fort Worth
- North Iowa Community Credit Union — Mason City
- Justice Federal Credit Union — Chantilly
- Guardian Credit Union — Oak Creek