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 |
|---|---|---|---|---|
| Idaho Central Credit Union | Chubbuck | $1.57B | $151.2M | $193.8M |
| Potlatch No. 1 Financial Credit Union | Lewiston | $314.5M | $40.0M | $28.5M |
| CapEd Credit Union | Meridian | $296.0M | $36.6M | $17.1M |
| Westmark Credit Union | Idaho Falls | $113.7M | $6.4M | $19.8M |
| Beehive Federal Credit Union | Rexburg | $110.6M | $13.4M | $8.7M |
| Frontier Credit Union | Idaho Falls | $82.7M | $3.6M | $9.9M |
| Freedom Northwest Credit Union | Kamiah | $52.7M | $6.8M | $13.9M |
| Lookout Federal Credit Union | Pocatello | $38.1M | None reported | $3.4M |
| Northwest Christian Credit Union | Nampa | $18.3M | None reported | $1.3M |
| Cottonwood Community Federal Credit Union | Cottonwood | $17.7M | None reported | $6.4M |
| Connections Credit Union | Pocatello | $1.6M | None reported | $3.2M |
| Lewis Clark Credit Union | Lewiston | $996,089 | None reported | $4.4M |
| Latah Credit Union | Moscow | $643,109 | None reported | $3.0M |
| Pioneer Federal Credit Union | Mountain Home | $338,867 | None reported | $11.1M |
| First Technology Federal Credit Union | San JoseHQ CA | $2.97B | $47.3M | $449.5M |
| America First Credit Union | RiverdaleHQ UT | $2.75B | $254.2M | $432.9M |
| Mountain America Credit Union | SandyHQ UT | $2.33B | $149.1M | $327.3M |
| Global Credit Union | AnchorageHQ AK | $1.82B | $14.9M | $189.2M |
| Numerica Credit Union | Spokane ValleyHQ WA | $1.37B | $140.8M | $78.0M |
| Gesa Credit Union | RichlandHQ WA | $1.21B | $143.4M | $95.3M |
The remaining 6 credit unions with an office in Idaho that report commercial real estate lending:
- Goldenwest Federal Credit Union — Ogden
- STCU — Liberty Lake
- Rogue Credit Union — Medford
- Technology Credit Union — San Jose
- Horizon Credit Union — Spokane Valley
- Silverado Credit Union — Angwin