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 |
|---|---|---|---|---|
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Hawaii State Federal Credit Union | Honolulu | $194.4M | None reported | $42.7M |
| Hawaiiusa Federal Credit Union | Honolulu | $180.9M | None reported | $42.5M |
| Aloha Pacific Federal Credit Union | Honolulu | $87.1M | None reported | $22.5M |
| Matanuska Valley Federal Credit Union | PalmerHQ AK | $78.2M | $14.6M | $15.6M |
| Operating Engineers Local Union #3 Federal Credit Union | LivermoreHQ CA | $19.6M | $7.7M | $39.2M |
| Kauai Federal Credit Union | Lihue | $10.4M | $6.1M | $2.5M |
| Cu Hawaii Federal Credit Union | Hilo | $7.3M | None reported | $7.6M |
| Hawaii Community Federal Credit Union | Kailua Kona | $5.4M | None reported | $11.7M |
| Hawaiian Financial Federal Credit Union | Honolulu | $4.3M | None reported | $19.8M |
| Gather Federal Credit Union | Lihue | $2.8M | None reported | $18.0M |
| University of Hawaii Federal Credit Union | Honolulu | $1.4M | None reported | $16.2M |
| Hawaii Central Federal Credit Union | Honolulu | $331,661 | None reported | $4.6M |
| HFS Federal Credit Union | Hilo | $184,201 | None reported | $15.4M |
| Big Island Federal Credit Union | Hilo | $70,159 | None reported | $2.7M |