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 |
|---|---|---|---|---|
| Bellco Credit Union | Greenwood Village | $2.30B | None reported | $131.4M |
| Wings Credit Union | Colorado Springs | $2.27B | $88.5M | $344.2M |
| Canvas Credit Union | Lone Tree | $690.9M | None reported | $75.7M |
| Westerra Credit Union | Denver | $448.4M | $54.6M | $31.8M |
| Meritrust Credit Union | Broomfield | $308.8M | $22.0M | $50.5M |
| Elevations Credit Union | Boulder | $294.0M | $113.5M | $62.0M |
| Air Academy Federal Credit Union | Colorado Springs | $81.0M | $11.8M | $10.3M |
| Partner Colorado Credit Union | Arvada | $42.7M | None reported | $9.1M |
| On Tap Credit Union | Golden | $25.0M | None reported | $6.5M |
| Sooper CU Dba Climb CU Credit Union | Arvada | $16.8M | $155,310 | $14.4M |
| Nuvista Federal Credit Union | Montrose | $14.3M | None reported | $3.7M |
| Credit Union of Denver | Lakewood | $14.2M | None reported | $22.4M |
| Peoples Credit Union | Springfield | $9.2M | None reported | $2.2M |
| Sterling Federal Credit Union | Sterling | $8.4M | $22,948 | $6.3M |
| Coloramo Federal Credit Union | Grand Junction | $8.1M | $3.8M | $2.7M |
| Credit Union of Colorado, A | Denver | $6.8M | None reported | $41.2M |
| Colorado Credit Union | Littleton | $6.4M | None reported | $6.8M |
| Denver Community Cu D.B.A. Zing Cu Credit Union | Denver | $5.2M | None reported | $8.2M |
| Foothills Credit Union | Wheat Ridge | $4.4M | $485,000 | $1.8M |
| Horizons North Credit Union | Westminster | $4.1M | None reported | $1.7M |
The remaining 24 credit unions with an office in Colorado that report commercial real estate lending:
- Grand Junction Federal Credit Union — Grand Junction
- Fellowship Credit Union — Lamar
- Fidelis Catholic Federal Credit Union — Arvada
- Guadalupe Parish Credit Union — Antonito
- Denver Fire Department Federal Credit Union — Denver
- Fitzsimons Federal Credit Union — Aurora
- School District 3 Federal Credit Union — Colorado Springs
- Arapahoe Credit Union — Littleton
- Metrum Community Credit Union — Centennial
- Holyoke Community Federal Credit Union — Holyoke
- Sunwest Credit Union — Pueblo
- Yuma County Federal Credit Union — Yuma
- Power Credit Union — Pueblo
- Northern Colorado Credit Union — Greeley
- First Technology Federal Credit Union — San Jose
- Security Service Federal Credit Union — San Antonio
- Sunward Federal Credit Union — Albuquerque
- Altra Federal Credit Union — Onalaska
- Navy Federal Credit Union — Vienna
- Together Credit Union — Saint Louis
- Meriwest Credit Union — San Jose
- Blue Federal Credit Union — Cheyenne
- Meridian Trust — Cheyenne
- Polam Federal Credit Union — Redwood City