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 | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Delta Community Credit Union | AtlantaHQ GA | $968.5M | $2.2M | $172.2M |
| L & N Federal Credit Union | Louisville | $826.4M | $247,601 | $41.9M |
| Liberty Federal Credit Union | EvansvilleHQ IN | $744.1M | $146.5M | $79.3M |
| Y-12 Federal Credit Union | Oak RidgeHQ TN | $525.2M | $24.9M | $43.6M |
| General Electric Credit Union | CincinnatiHQ OH | $451.8M | $42.5M | $53.8M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Cinfed Credit Union | CincinnatiHQ OH | $234.3M | $19.3M | $15.0M |
| Commonwealth Federal Credit Union | Frankfort | $195.4M | None reported | $49.3M |
| University of Kentucky Federal Credit Union | Lexington | $171.8M | None reported | $29.4M |
| Park Community Credit Union | Louisville | $165.2M | $5.9M | $38.3M |
| Kemba Credit Union | West ChesterHQ OH | $137.3M | $3.9M | $30.5M |
| Abound Federal Credit Union | Radcliff | $111.2M | $3.6M | $65.6M |
| Heritage Federal Credit Union | NewburghHQ IN | $83.4M | $6.7M | $19.1M |
| Desco Federal Credit Union | PortsmouthHQ OH | $76.9M | $2.3M | $9.7M |
| Members Choice Credit Union | Ashland | $64.5M | $3.4M | $5.4M |
| Caro Federal Credit Union | ColumbiaHQ SC | $18.2M | $1.0M | $4.0M |
| Fortera Federal Credit Union | ClarksvilleHQ TN | $15.7M | None reported | $18.0M |
| C-Plant Federal Credit Union | Paducah | $14.2M | None reported | $7.9M |
| Expree Credit Union | Frankfort | $11.0M | None reported | $1.9M |
The remaining 5 credit unions with an office in Kentucky that report commercial real estate lending:
- Southeast Financial Credit Union — Franklin
- Ashland Credit Union — Ashland
- Signet Federal Credit Union — Paducah
- Service One Credit Union — Bowling Green
- Your Hometown Federal Credit Union — Mayfield