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 |
|---|---|---|---|---|
| Metro Credit Union | Chelsea | $439.4M | $39.6M | $45.5M |
| Webster First Federal Credit Union | Worcester | $411.5M | $37.4M | $45.1M |
| Rockland Federal Credit Union | Rockland | $239.8M | $23.6M | $58.8M |
| Workers Federal Credit Union | Littleton | $202.4M | None reported | $37.5M |
| Hanscom Federal Credit Union | Hanscom Afb | $172.0M | $3.5M | $34.2M |
| Jeanne D'Arc Credit Union | Lowell | $153.4M | $4.1M | $30.0M |
| Brightbridge Credit Union | Lawrence | $150.6M | $15.7M | $37.4M |
| Sharon & Crescent United Credit Union | Sharon | $113.7M | $8.7M | $27.0M |
| Taunton Federal Credit Union | Taunton | $101.9M | $6.8M | $7.9M |
| Freedom Credit Union | Springfield | $100.1M | $9.5M | $16.3M |
| GFA Federal Credit Union | Gardner | $99.7M | $975,423 | $10.3M |
| Liberty Bay Credit Union | Braintree | $89.9M | None reported | $18.7M |
| St. Anne's Credit Union | Fall River | $81.4M | None reported | $19.7M |
| Central One Federal Credit Union | Shrewsbury | $75.0M | $5.4M | $12.7M |
| Polish National Credit Union | Chicopee | $57.6M | $1.9M | $15.8M |
| St. Mary's Credit Union | Marlborough | $57.5M | $4.1M | $18.0M |
| Align Credit Union | Lowell | $56.8M | None reported | $8.5M |
| Greylock Federal Credit Union | Pittsfield | $52.7M | None reported | $34.4M |
| I-C Federal Credit Union | Fitchburg | $45.2M | None reported | $7.2M |
| Millbury Federal Credit Union | Millbury | $35.8M | $4.0M | $6.8M |
The remaining 31 credit unions with an office in Massachusetts that report commercial real estate lending:
- Southbridge Credit Union — Southbridge
- Direct Federal Credit Union — Needham
- Quincy Credit Union — Quincy
- All One Credit Union — Leominster
- River Works Credit Union — Lynn
- First Citizens' Federal Credit Union — Fairhaven
- Naveo Credit Union — Somerville
- UMassFive College Federal Credit Union — Hadley
- First Priority Credit Union — Boston
- Alltrust Credit Union — Fairhaven
- Holyoke Credit Union — Holyoke
- Homefield Credit Union — North Grafton
- Alden Credit Union — Chicopee
- Luso-American Credit Union — Peabody
- Athol Credit Union — Athol
- St. Jean's Credit Union — Lynn
- St. Michaels Fall River Federal Credit Union — Fall River
- Shrewsbury Federal Credit Union — Shrewsbury
- Fall River Municipal Credit Union — Fall River
- Tremont Credit Union — Boston
- Luso Federal Credit Union — Ludlow
- Taupa Lithuanian Federal Credit Union — South Boston
- Mass Bay Credit Union — South Boston
- First Technology Federal Credit Union — San Jose
- Service Federal Credit Union — Portsmouth
- Selfreliance Federal Credit Union — Chicago
- Coastal1 Credit Union — Pawtucket
- Baxter Credit Union — Vernon Hills
- Ukrainian Federal Credit Union — Rochester
- USAlliance Federal Credit Union — Rye
- American Airlines Federal Credit Union — Fort Worth