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 |
|---|---|---|---|---|
| Alliant Credit Union | Chicago | $1.92B | $92.0M | $275.2M |
| Credit Union 1 | Lombard | $813.1M | None reported | $41.2M |
| Citizens Equity First Credit Union | Peoria | $737.9M | $19.9M | $148.5M |
| Consumers Credit Union | Lake Forest | $324.9M | None reported | $60.9M |
| Selfreliance Federal Credit Union | Chicago | $254.2M | $6.8M | $21.8M |
| I. H. Mississippi Valley Credit Union | Moline | $191.0M | $2.1M | $31.3M |
| Great Lakes Credit Union | Bannockburn | $169.8M | None reported | $19.5M |
| Baxter Credit Union | Vernon Hills | $142.7M | None reported | $97.4M |
| Empeople Credit Union | Moline | $109.0M | $1.8M | $28.1M |
| Alero Financial Credit Union | Elgin | $76.0M | $570,776 | $17.1M |
| 1st Midamerica Credit Union | Bethalto | $73.1M | $7.9M | $20.3M |
| Land of Lincoln Credit Union | Decatur | $48.8M | None reported | $7.3M |
| Numark Credit Union | Joliet | $41.1M | None reported | $14.3M |
| Vibrant Credit Union | Moline | $41.0M | $14.8M | $14.4M |
| SIU Credit Union | Carbondale | $20.2M | None reported | $10.3M |
| University of Illinois Community Credit Union | Champaign | $15.5M | None reported | $11.4M |
| IAA Credit Union | Bloomington | $11.8M | None reported | $8.7M |
| Scott Credit Union | Edwardsville | $8.4M | None reported | $28.2M |
| Revity Credit Union | Granite City | $6.3M | None reported | $8.2M |
| Cornerstone Credit Union | Freeport | $5.6M | None reported | $2.6M |
The remaining 33 credit unions with an office in Illinois that report commercial real estate lending:
- Taylorville Community Credit Union — Taylorville
- Healthcare Associates Credit Union — Lisle
- National Police Federal Credit Union — Chicago
- The Credit Union for All — Bloomington
- Illiana Financial Credit Union — Calumet City
- Gale Credit Union — Galesburg
- Commonwealth Credit Union — Bourbonnais
- Midwest Members Credit Union — Wood River
- Rock Valley Credit Union — Loves Park
- Green State Credit Union — North Liberty
- Michigan State University Federal Credit Union — East Lansing
- Covantage Credit Union — Antigo
- Dupaco Community Credit Union — Dubuque
- Advia Credit Union — Kalamazoo
- Verve, a Credit Union — Oshkosh
- Polish & Slavic Federal Credit Union — Brooklyn
- Navy Federal Credit Union — Vienna
- Together Credit Union — Saint Louis
- Dutrac Community Credit Union — Dubuque
- Tech Credit Union — Crown Point
- Self-Help Federal Credit Union — Durham
- Arsenal Credit Union — Arnold
- Ascentra Credit Union — Bettendorf
- First Community Credit Union — Chesterfield
- West Community Credit Union — O Fallon
- First Community Cu of Beloit Credit Union — Beloit
- Merck Sharp & Dohme Federal Credit Union — Chalfont
- Genfed Financial Credit Union — Akron
- Actors Federal Credit Union — New York
- Eaton Family Credit Union — Euclid
- American Airlines Federal Credit Union — Fort Worth
- Justice Federal Credit Union — Chantilly
- Connexus Credit Union — Wausau