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, 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.
| Credit union | Location | CRE on the books | Construction | Regulatory lending ceiling |
|---|---|---|---|---|
| Polish & Slavic Federal Credit Union | BrooklynHQ NY | $267.1M | None reported | $46.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Selfreliance Federal Credit Union | ChicagoHQ IL | $254.2M | $6.8M | $21.8M |
| Affinity Federal Credit Union | Basking RidgeHQ NJ | $249.0M | None reported | $53.1M |
| Charter Oak Federal Credit Union | Waterford | $158.7M | $6.7M | $32.4M |
| Brightbridge Credit Union | LawrenceHQ MA | $150.6M | $15.7M | $37.4M |
| Suma Federal Credit Union | YonkersHQ NY | $80.1M | None reported | $8.6M |
| Alero Financial Credit Union | ElginHQ IL | $76.0M | $570,776 | $17.1M |
| Sikorsky Financial Credit Union | Stratford | $71.7M | None reported | $28.2M |
| Self-Help Federal Credit Union | DurhamHQ NC | $66.2M | $389,254 | $91.0M |
| St. Mary's Credit Union | MarlboroughHQ MA | $57.5M | $4.1M | $18.0M |
| Nutmeg State Financial Credit Union | Rocky Hill | $55.5M | None reported | $16.4M |
| 360 Federal Credit Union | Windsor Locks | $15.6M | None reported | $4.6M |
| General Electric Employees Federal Credit Union | Milford | $11.0M | None reported | $4.2M |
| Alden Credit Union | ChicopeeHQ MA | $11.0M | None reported | $2.6M |
| USAlliance Federal Credit Union | RyeHQ NY | $2.2M | None reported | $41.6M |
| Sound Federal Credit Union | Norwalk | $1.4M | None reported | $1.3M |
| Membersfirst CT Federal Credit Union | Meriden | $1.4M | None reported | $1.9M |
| Skyline Financial Federal Credit Union | Waterbury | $1.2M | None reported | $506,546 |
| Ellafi Federal Credit Union | Middletown | $517,355 | None reported | $1.9M |
The remaining 7 credit unions with an office in Connecticut that report commercial real estate lending:
- Comtrust Federal Credit Union — Chattanooga
- Eastern Operating Engineers Federal Credit Union — Whitestone
- FD Community Federal Credit Union — Waterbury
- America's First Network Credit Union — East Hartford
- American Eagle Financial Credit Union — East Hartford
- Norwalk Hospital Credit Union — Norwalk
- Polam Federal Credit Union — Redwood City