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 |
|---|---|---|---|---|
| MIDFLORIDA Credit Union | Lakeland | $1.95B | $65.3M | $157.0M |
| FAIRWINDS Credit Union | Orlando | $945.5M | $73.2M | $87.0M |
| Vystar Credit Union | Jacksonville | $943.4M | $44.8M | $186.5M |
| Suncoast Credit Union | Tampa | $623.5M | $32.5M | $315.4M |
| BrightStar Credit Union | Fort Lauderdale | $478.4M | None reported | $14.0M |
| Campus USA Credit Union | Gainesville | $352.2M | $36.1M | $74.3M |
| Launch Credit Union | Merritt Island | $290.0M | $19.8M | $20.1M |
| Florida Credit Union | Gainesville | $287.7M | $9.4M | $53.5M |
| Dade County Federal Credit Union | Sweetwater | $280.6M | $15.5M | $29.5M |
| Grow Financial Federal Credit Union | Tampa | $191.8M | $8.6M | $66.0M |
| Community First Credit Union of Flo | Jacksonville | $188.2M | $3.4M | $59.1M |
| GTE Federal Credit Union | Tampa | $186.1M | None reported | $50.7M |
| Addition Financial Credit Union | Lake Mary | $185.9M | $12.9M | $57.2M |
| Power Financial Credit Union | Pembroke Pines | $183.6M | None reported | $21.0M |
| Achieva Credit Union | Dunedin | $177.5M | $7.2M | $48.4M |
| Ithink Financial Credit Union | Boca Raton | $168.5M | $26.2M | $37.5M |
| Community Credit Union of Florida | Rockledge | $150.7M | $1.7M | $24.4M |
| Penair Credit Union | Pensacola | $141.9M | $38.4M | $48.6M |
| Radiant Credit Union | Gainesville | $124.0M | $3.0M | $16.0M |
| First Commerce Credit Union | Tallahassee | $121.5M | $28.0M | $18.8M |
The remaining 57 credit unions with an office in Florida that report commercial real estate lending:
- Innovations Financial Credit Union — Panama City
- Tropical Financial Credit Union — Miramar
- Orlando Credit Union — Orlando
- Space Coast Credit Union — Melbourne
- Panhandle Credit Union — Panama City
- Champions First Credit Union — Tallahassee
- McCoy Federal Credit Union — Orlando
- Harvesters Federal Credit Union — Cantonment
- Insight Credit Union — Winter Springs
- Radifi Federal Credit Union — Jacksonville
- Gulf Winds Credit Union — Pensacola
- First Florida Credit Union — Jacksonville
- San Antonio Citizens Federal Credit Union — San Antonio
- Jetstream Federal Credit Union — Miami Lakes
- USF Federal Credit Union — Tampa
- Community South Credit Union — Chipley
- Tru Fi Credit Union — Macclenny
- Keys Federal Credit Union — Key West
- Guardians Credit Union — West Palm Beach
- University Credit Union — Miami
- Miami Firefighters Federal Credit Union — Miami
- Powernet Credit Union — Tampa
- Florida A & M University Federal Credit Union — Tallahassee
- TMH Federal Credit Union — Tallahassee
- Blue Coast Federal Credit Union — Perry
- Alive Credit Union — Jacksonville
- Calhoun Liberty Credit Union — Blountstown
- Emerald Coast Federal Credit Union — Port St. Joe
- Wings Credit Union — Colorado Springs
- Lake Michigan Credit Union — Grand Rapids
- DFCU Financial Credit Union — Dearborn
- Credit Union 1 — Lombard
- Pentagon Federal Credit Union — Mclean
- Dort Financial Credit Union — Grand Blanc
- Teachers Federal Credit Union — Smithtown
- Alabama Credit Union — Tuscaloosa
- Self-Help Credit Union — Durham
- ELGA Credit Union — Grand Blanc
- Polish & Slavic Federal Credit Union — Brooklyn
- Navy Federal Credit Union — Vienna
- Together Credit Union — Saint Louis
- All in Federal Credit Union — Daleville
- Baxter Credit Union — Vernon Hills
- Firefighters First Federal Credit Union — Los Angeles
- Suma Federal Credit Union — Yonkers
- Everence Federal Credit Union — Lancaster
- Ukrainian Federal Credit Union — Rochester
- Platinum Federal Credit Union — Duluth
- Community Credit Union — New Rockford
- Arlington Community Federal Credit Union — Arlington
- Mayo Employees Federal Credit Union — Rochester
- Oxford Federal Credit Union — Mexico
- American Airlines Federal Credit Union — Fort Worth
- Faith Connection Federal Credit Union — Marietta
- Columbia Credit Union — Columbia
- Justice Federal Credit Union — Chantilly
- Franklin-Somerset Federal Credit Union — Madison