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 |
|---|---|---|---|---|
| Empeople Credit Union | MolineHQ IL | $109.0M | $1.8M | $28.1M |
| Maine State Credit Union | Augusta | $85.2M | $1.5M | $11.8M |
| Atlantic Regional Federal Credit Union | South Portland | $83.1M | $1.2M | $18.4M |
| Lighthouse Federal Credit Union | DoverHQ NH | $81.2M | $5.1M | $33.8M |
| Acadia Federal Credit Union | Fort Kent | $52.6M | None reported | $6.9M |
| Evergreen Credit Union | Portland | $52.0M | $2.7M | $7.6M |
| Maine Savings | Hampden | $49.2M | None reported | $10.2M |
| cPort Credit Union | Portland | $44.6M | None reported | $7.0M |
| Norstate Federal Credit Union | Madawaska | $23.8M | None reported | $4.9M |
| Ancorum Credit Union | Bath | $22.8M | $37,396 | $5.7M |
| The County Federal Credit Union | Presque Isle | $15.9M | $903,305 | $8.5M |
| University Credit Union | Orono | $14.6M | None reported | $7.6M |
| New Dimensions Federal Credit Union | Waterville | $9.1M | None reported | $2.9M |
| Peopleschoice Credit Union | Biddeford | $8.9M | None reported | $4.8M |
| Maine Highlands Federal Credit Union | Dexter | $4.9M | None reported | $3.8M |
| Seaboard Federal Credit Union | Bucksport | $4.7M | $238,011 | $3.3M |
| Dirigo Federal Credit Union | Lewiston | $4.3M | None reported | $7.6M |
| Sebasticook Valley Federal Credit Union | Pittsfield | $2.4M | None reported | $4.3M |
| Lisbon Community Federal Credit Union | Lisbon | $1.8M | None reported | $3.6M |
| Community Credit Union | Lewiston | $1.8M | None reported | $1.9M |
The remaining 13 credit unions with an office in Maine that report commercial real estate lending:
- Casco Federal Credit Union — Gorham
- Oxford Federal Credit Union — Mexico
- Capital Area Federal Credit Union — Augusta
- Lincoln Maine Federal Credit Union — Lincoln
- Bangor Federal Credit Union — Bangor
- Brewer Federal Credit Union — Brewer
- Maine Family Federal Credit Union — Lewiston
- Midcoast Federal Credit Union — Freeport
- Franklin-Somerset Federal Credit Union — Madison
- Saco Valley Credit Union — Saco
- Gardiner Federal Credit Union — Gardiner
- Connected Credit Union — Augusta
- Eastmill Federal Credit Union — East Millinocket