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 |
|---|---|---|---|---|
| Green State Credit Union | North Liberty | $2.63B | $67.5M | $148.2M |
| Veridian Credit Union | Waterloo | $803.4M | $123.3M | $158.9M |
| Dupaco Community Credit Union | Dubuque | $690.4M | $6.1M | $70.9M |
| Community 1st Credit Union | Ottumwa | $182.8M | $78,702 | $17.4M |
| Community Choice Credit Union | Johnston | $122.5M | $5.8M | $17.6M |
| Collins Community Credit Union | Cedar Rapids | $120.9M | $5.4M | $17.8M |
| Dutrac Community Credit Union | Dubuque | $120.3M | None reported | $21.9M |
| Ascentra Credit Union | Bettendorf | $37.3M | $1.1M | $9.1M |
| Greater Iowa Credit Union | Ames | $36.5M | None reported | $10.1M |
| Cedar Falls Community Credit Union | Cedar Falls | $35.4M | $4.0M | $6.0M |
| Corda Credit Union | Cedar Rapids | $22.5M | $6.0M | $11.1M |
| Members1st Community Credit Union | Marshalltown | $5.8M | $1.9M | $4.5M |
| Peoples Credit Union | Webster City | $2.9M | None reported | $1.4M |
| First Federal Credit Union | Hiawatha | $1.7M | None reported | $1.9M |
| North Iowa Community Credit Union | Mason City | $1.1M | None reported | $1.9M |
| Midland Credit Union | Urbandale | $520,890 | None reported | $1.8M |
| North Star Community Credit Union | Cherokee | $198,971 | None reported | $2.2M |
| First Class Community Credit Union | West Des Moines | $72,335 | None reported | $1.6M |
| Employees Credit Union | Estherville | $36,294 | None reported | $5.8M |
| Cobalt Credit Union | PapillionHQ NE | $215.8M | $29.1M | $18.3M |
The remaining 9 credit unions with an office in Iowa that report commercial real estate lending:
- I. H. Mississippi Valley Credit Union — Moline
- Centris Federal Credit Union — Omaha
- Empeople Credit Union — Moline
- Vibrant Credit Union — Moline
- City & County Credit Union — Saint Paul
- Levo Federal Credit Union — Sioux Falls
- Siouxland Federal Credit Union — South Sioux City
- Lamoure Credit Union — Lamoure
- Marine Credit Union — La Crosse