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 |
|---|---|---|---|---|
| Lake Michigan Credit Union | Grand Rapids | $1.99B | $278.1M | $291.7M |
| DFCU Financial Credit Union | Dearborn | $1.01B | $92.3M | $152.4M |
| Michigan State University Federal Credit Union | East Lansing | $925.9M | $68.9M | $119.2M |
| Advia Credit Union | Kalamazoo | $667.1M | $24.9M | $59.3M |
| Genisys Credit Union | Auburn Hills | $596.5M | $82.7M | $152.2M |
| Dort Financial Credit Union | Grand Blanc | $522.5M | $72.4M | $38.2M |
| Lake Trust Credit Union | Brighton | $455.7M | $16.1M | $46.9M |
| Community Choice Credit Union | Farmington Hills | $415.1M | $12.3M | $30.2M |
| United Federal Credit Union | St. Joseph | $360.1M | $25.3M | $79.4M |
| ELGA Credit Union | Grand Blanc | $316.2M | $9.6M | $66.7M |
| Financial Plus Credit Union | Flint | $273.8M | $18.9M | $29.3M |
| Michigan Schools and Government Credit Union | Clinton Township | $257.7M | $13.2M | $83.5M |
| Consumers Credit Union | Oshtemo | $256.3M | $45.6M | $40.6M |
| Honor Credit Union | Berrien Springs | $204.7M | $3.5M | $34.4M |
| Frankenmuth Credit Union | Frankenmuth | $160.1M | $12.5M | $23.8M |
| Orsa Credit Union | Plymouth | $156.8M | $40.5M | $21.7M |
| Embers Credit Union | Marquette | $150.4M | $23.0M | $11.3M |
| Credit Union One | Ferndale | $150.0M | None reported | $30.7M |
| 4Front Credit Union | Traverse City | $123.4M | $7.7M | $15.8M |
| Northland Area Federal Credit Union | Alpena | $112.9M | $2.4M | $11.1M |
The remaining 93 credit unions with an office in Michigan that report commercial real estate lending:
- Wildfire Credit Union — Saginaw
- Team One Credit Union — Saginaw
- Case Credit Union — Lansing
- Kellogg Community Credit Union — Battle Creek
- Vibe Credit Union — Novi
- Arbor Financial Credit Union — Kalamazoo
- Alliance Catholic Credit Union — Farmington Hills
- Public Service Credit Union — Romulus
- Alpena-Alcona Area Credit Union — Alpena
- Adventure Credit Union — Grand Rapids
- Christian Financial Credit Union — Sterling Heights
- Zeal Credit Union — Livonia
- Michigan First Credit Union — Lathrup Village
- TBA Credit Union — Traverse City
- LAFCU — Lansing
- Members First Credit Union — Midland
- Diversified Members Credit Union — Detroit
- WMCU — Grand Rapids
- Omni Community Credit Union — Battle Creek
- Marshall Community Credit Union — Marshall
- Monroe Community Credit Union — Monroe
- People Driven Credit Union — Southfield
- TLC Community Credit Union — Adrian
- Security Credit Union — Grand Blanc
- Chief Financial Federal Credit Union — Rochester Hills
- Forest Area Federal Credit Union — Fife Lake
- H.P.C. Credit Union — Alpena
- Ignite Credit Union — Battle Creek
- Health Advantage Federal Credit Union — Saginaw
- True Community Credit Union — Jackson
- Safe Harbor Credit Union — Ludington
- Country Heritage Credit Union — Buchanan
- PFCU — Portland
- Wolverine State Credit Union — Alpena
- Cornerstone Community Financial Credit Union — Auburn Hills
- Kalsee Credit Union — Kalamazoo
- Ukrainian Selfreliance Michigan Federal Credit Union — Warren
- Polish-American Federal Credit Union — Troy
- Community First Federal Credit Union — Lakeview
- University of Michigan Credit Union — Ann Arbor
- Filer Credit Union — Manistee
- St. Francis X Federal Credit Union — Petoskey
- Isabella Community Credit Union — Mt. Pleasant
- Flagship Community Federal Credit Union — Port Huron
- Awakon Federal Credit Union — Onaway
- Best Financial Credit Union — Muskegon
- Consumers Professional Credit Union — Lansing
- Peninsula Federal Credit Union — Escanaba
- Traverse Catholic Federal Credit Union — Traverse City
- United Financial Credit Union — Saginaw
- Dow Credit Union — Midland
- Freestar Financial Credit Union — Mount Clemens
- Wexford Community Credit Union — Cadillac
- North Central Area Credit Union — Houghton Lake
- Limestone Financial Credit Union — Manistique
- United Bay Community Credit Union — Bay City
- Chiropractic Federal Credit Union — Farmington
- Route 31 Federal Credit Union — Muskegon
- U.P. State Credit Union — Escanaba
- Michigan Legacy Credit Union — Wyandotte
- Financialedge Credit Union — Bay City
- Soo Co-Op Credit Union — Sault Sainte Marie
- Jolt Credit Union — Saginaw
- Family Financial Credit Union — Norton Shores
- Downriver Community Federal Credit Union — Ecorse
- Gerber Federal Credit Union — Fremont
- Meijer Credit Union — Grand Rapids
- Michigan United Credit Union — Auburn Hills
- Shore to Shore Community Federal Credit Union — Trenton
- Preferred Credit Union — Grand Rapids
- Michigan Coastal Credit Union — Muskegon
- Tahquamenon Area Credit Union — Newberry
- Journey Federal Credit Union — Saint Johns
- The Local Credit Union — Sterling Heights
- Michigan Columbus Federal Credit Union — Livonia
- Settlers Federal Credit Union — Bruce Crossing
- Alpena Community Credit Union — Alpena
- Wings Credit Union — Colorado Springs
- Everwise CU — South Bend
- CommunityAmerica Credit Union — Lenexa
- Credit Union 1 — Lombard
- Covantage Credit Union — Antigo
- Notre Dame Federal Credit Union — Notre Dame
- Navy Federal Credit Union — Vienna
- Selfreliance Federal Credit Union — Chicago
- Farmers Insurance Federal Credit Union — Los Angeles
- Intouch Credit Union — Plano
- Directions Credit Union — Toledo
- Forward Financial Credit Union — Niagara
- Utah Heritage Credit Union — Moroni
- Columbia Credit Union — Columbia
- County - City Credit Union — Jefferson
- Peoples Advantage Federal Credit Union — Petersburg