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 |
|---|---|---|---|---|
| CommunityAmerica Credit Union | Lenexa | $1.23B | $128.4M | $134.4M |
| Meritrust Credit Union | BroomfieldHQ CO | $308.8M | $22.0M | $50.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Farmers Insurance Federal Credit Union | Los AngelesHQ CA | $192.2M | None reported | $19.7M |
| Truity Credit Union | BartlesvilleHQ OK | $82.5M | $987,552 | $17.3M |
| Heartland Credit Union | Hutchinson | $69.1M | $2.1M | $10.7M |
| Envista Federal Credit Union | Topeka | $35.1M | None reported | $11.2M |
| Credit Union of America | Wichita | $25.9M | None reported | $35.2M |
| Farmway Credit Union | Beloit | $25.4M | None reported | $3.5M |
| Mazuma Credit Union | Overland Park | $24.0M | None reported | $17.1M |
| Mainstreet Federal Credit Union | Lenexa | $21.6M | None reported | $10.4M |
| Mid American Credit Union | Wichita | $19.2M | None reported | $7.1M |
| Mid-Kansas Credit Union | Moundridge | $13.6M | None reported | $1.2M |
| Azura Credit Union | Topeka | $7.8M | None reported | $13.1M |
| United Consumers Credit Union | IndependenceHQ MO | $6.2M | None reported | $3.9M |
| Quantum Credit Union | Wichita | $4.9M | $124,560 | $2.4M |
| Campus Credit Union | Wichita | $3.5M | None reported | $562,594 |
| Skyward Credit Union | Wichita | $3.1M | None reported | $7.0M |
| Frontier Community Credit Union | Leavenworth | $2.8M | None reported | $2.9M |
| Golden Plains Credit Union | Garden City | $2.0M | None reported | $19.8M |
The remaining 3 credit unions with an office in Kansas that report commercial real estate lending:
- United Northwest Federal Credit Union — Norton
- Crossroads Credit Union — Goessel
- Credit Union of Dodge City — Dodge City