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 |
|---|---|---|---|---|
| Delta Community Credit Union | Atlanta | $968.5M | $2.2M | $172.2M |
| Georgia's Own Credit Union | Atlanta | $507.8M | $49.3M | $63.2M |
| Robins Financial Credit Union | Warner Robins | $381.4M | $60.6M | $131.3M |
| APCU/Center Parc | Atlanta | $317.2M | None reported | $50.2M |
| LGE Community Credit Union | Marietta | $209.0M | $5.6M | $43.0M |
| Peach State Federal Credit Union | Lawrenceville | $153.2M | $5.5M | $15.2M |
| Southeastern Credit Union | Valdosta | $92.4M | $4.2M | $7.1M |
| Coosa Valley Credit Union | Rome | $56.8M | None reported | $10.6M |
| Georgia United Credit Union | Duluth | $40.4M | None reported | $40.9M |
| Platinum Federal Credit Union | Duluth | $38.6M | None reported | $5.8M |
| Kinetic Federal Credit Union | Columbus | $37.7M | None reported | $14.0M |
| Associated Credit Union | Norcross | $28.4M | None reported | $49.8M |
| Membersfirst Credit Union | Decatur | $28.3M | None reported | $7.5M |
| Workmen's Circle Incorporated Credit Union | Savannah | $26.5M | None reported | $4.2M |
| Marshland Credit Union | Brunswick | $14.8M | None reported | $3.5M |
| Credit Union of Georgia | Woodstock | $12.6M | None reported | $11.7M |
| Midsouth Community Federal Credit Union | Macon | $7.8M | None reported | $10.4M |
| Excel Federal Credit Union | Norcross | $6.3M | None reported | $3.5M |
| Faith Connection Federal Credit Union | Marietta | $828,256 | None reported | $502,266 |
| North Georgia Credit Union | Toccoa | $636,960 | None reported | $2.0M |
The remaining 23 credit unions with an office in Georgia that report commercial real estate lending:
- Mygeorgia Credit Union — Gainesville
- The Southern Credit Union — Fayetteville
- B.O.N.D. Community Federal Credit Union — Atlanta
- First Technology Federal Credit Union — San Jose
- Wings Credit Union — Colorado Springs
- Vystar Credit Union — Jacksonville
- Credit Union 1 — Lombard
- Pentagon Federal Credit Union — Mclean
- Self-Help Credit Union — Durham
- SRP Federal Credit Union — North Augusta
- Navy Federal Credit Union — Vienna
- Tennessee Valley Federal Credit Union — Chattanooga
- Five Star Credit Union — Dothan
- Addition Financial Credit Union — Lake Mary
- Ithink Financial Credit Union — Boca Raton
- Family Savings Credit Union — Rainbow City
- Together Credit Union — Saint Louis
- Baxter Credit Union — Vernon Hills
- First Commerce Credit Union — Tallahassee
- Empeople Credit Union — Moline
- Ukrainian National Federal Credit Union — New York
- Justice Federal Credit Union — Chantilly
- Comtrust Federal Credit Union — Chattanooga