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 |
|---|---|---|---|---|
| SECU | Linthicum | $194.9M | None reported | $91.2M |
| NASA Federal Credit Union | Upper Marlboro | $147.2M | None reported | $91.2M |
| Andrews Federal Credit Union | Suitland | $128.9M | None reported | $42.8M |
| Point Breeze Credit Union | Hunt Valley | $96.4M | None reported | $21.0M |
| National Institutes of Health Federal Credit Union | Rockville | $83.5M | None reported | $9.7M |
| Cedar Point Federal Credit Union | Lexington Park | $72.9M | $716,745 | $12.6M |
| Signal Financial Federal Credit Union | Kensington | $71.7M | None reported | $5.1M |
| Municipal Empl.credit Union of Balt | Baltimore | $70.1M | $956,145 | $24.4M |
| Securityplus Federal Credit Union | Baltimore | $59.4M | None reported | $9.3M |
| Freedom of Maryland Federal Credit Union | Bel Air | $59.0M | None reported | $7.2M |
| Lafayette Federal Credit Union | Rockville | $58.1M | $3.0M | $38.8M |
| First Peoples Community Federal Credit Union | Cumberland | $53.2M | $7.2M | $13.6M |
| Nymeo Federal Credit Union | Frederick | $30.7M | None reported | $6.8M |
| Mid-Atlantic Federal Credit Union | Germantown | $29.8M | $3.1M | $7.3M |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen | $26.4M | None reported | $37.4M |
| Har-Co Credit Union | Bel Air | $17.2M | $825,636 | $4.0M |
| Chessie Federal Credit Union | Cumberland | $16.6M | None reported | $9.0M |
| Fedchoice Federal Credit Union | Lanham | $9.2M | None reported | $6.6M |
| Bull Dog Federal Credit Union | Hagerstown | $1.0M | None reported | $4.4M |
| Transit Employees Federal Credit Union | Greenbelt | $345,027 | None reported | $2.7M |
The remaining 12 credit unions with an office in Maryland that report commercial real estate lending:
- Prince George's Community Federal Credit Union — Bowie
- Act 1st Federal Credit Union — Lavale
- Five Star of Maryland Federal Credit Union — Baltimore
- FourLeaf Federal Credit Union — Bethpage
- Pentagon Federal Credit Union — Mclean
- Self Reliance Financial Federal Credit Union — New York
- Navy Federal Credit Union — Vienna
- Hanscom Federal Credit Union — Hanscom Afb
- Patriot Federal Credit Union — Chambersburg
- Northwest Federal Credit Union — Herndon
- Tidemark Federal Credit Union — Seaford
- Spectra Federal Credit Union — Alexandria