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 |
|---|---|---|---|---|
| Everwise CU | South Bend | $1.46B | $164.3M | $79.0M |
| Interra Credit Union | Goshen | $848.6M | $42.1M | $28.3M |
| Liberty Federal Credit Union | Evansville | $744.1M | $146.5M | $79.3M |
| Beacon Credit Union | Wabash | $695.1M | $4.9M | $35.8M |
| Indiana Members Credit Union | Indianapolis | $487.5M | $55.6M | $57.0M |
| Indiana University Credit Union | Bloomington | $471.7M | $9.2M | $37.0M |
| Purdue Federal Credit Union | West Lafayette | $466.8M | $24.3M | $35.4M |
| Elements Financial | Indianapolis | $327.4M | $112.4M | $44.8M |
| Notre Dame Federal Credit Union | Notre Dame | $319.6M | $15.8M | $22.9M |
| Centra Credit Union | Columbus | $290.6M | $23.3M | $44.0M |
| FORUM Credit Union | Indianapolis | $281.8M | $54.4M | $46.1M |
| Crane Credit Union | Odon | $258.4M | $32.2M | $23.3M |
| Midwest America Federal Credit Union | Fort Wayne | $218.0M | $33.6M | $21.7M |
| Hoosier Hills Credit Union | Bedford | $172.7M | None reported | $13.6M |
| Three Rivers Federal Credit Union | Fort Wayne | $143.7M | $13.0M | $58.3M |
| Tech Credit Union | Crown Point | $99.2M | $6.8M | $8.2M |
| Heritage Federal Credit Union | Newburgh | $83.4M | $6.7M | $19.1M |
| INOVA Federal Credit Union | Elkhart | $81.0M | $28,223 | $8.1M |
| Financial Center First Credit Union | Indianapolis | $36.4M | $4.0M | $16.1M |
| Fort Financial Federal Credit Union | Fort Wayne | $24.6M | $1.3M | $6.8M |
The remaining 34 credit unions with an office in Indiana that report commercial real estate lending:
- Profed Federal Credit Union — Fort Wayne
- Primetrust Financial Federal Credit Union — Muncie
- Via Credit Union — Marion
- Crossroads Financial Federal Credit Union — Portland
- Jackson County Co-Op Credit Union — Seymour
- Western Indiana Credit Union — Sullivan
- Riverside Community Federal Credit Union — Marion
- Encompass Federal Credit Union — Tipton
- Regional Federal Credit Union — Winfield
- Partners 1st Federal Credit Union — Fort Wayne
- Lampco Federal Credit Union — Anderson
- Solidarity Community Federal Credit Union — Kokomo
- Profinance Federal Credit Union — Merrillville
- Firefighters Credit Union — Indianapolis
- Community Link Federal Credit Union — Huntington
- First Trust Credit Union — Michigan City
- Martin County Cooperative Credit Union — Loogootee
- Evansville Federal Credit Union — Evansville
- Summit Choice Federal Credit Union — Fort Wayne
- Members Advantage Credit Union — Michigan City
- Financial Builders Federal Credit Union — Kokomo
- CommunityAmerica Credit Union — Lenexa
- L & N Federal Credit Union — Louisville
- Credit Union 1 — Lombard
- United Federal Credit Union — St. Joseph
- Park Community Credit Union — Louisville
- Baxter Credit Union — Vernon Hills
- Kemba Credit Union — West Chester
- Everence Federal Credit Union — Lancaster
- Christian Family Credit Union — North Canton
- National Police Federal Credit Union — Chicago
- Genfed Financial Credit Union — Akron
- Cabrillo Credit Union — San Diego
- Sheboygan Area Credit Union — Sheboygan