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 |
|---|---|---|---|---|
| Trustone Financial Credit Union | Plymouth | $1.33B | $24.6M | $100.4M |
| Magnifi Financial Credit Union | Melrose | $1.07B | $206.5M | $45.6M |
| Blaze Credit Union | Falcon Heights | $404.4M | $122,676 | $63.7M |
| Members Cooperative Credit Union | Duluth | $132.1M | $7.8M | $18.8M |
| My Credit Union | Bloomington | $95.1M | None reported | $5.2M |
| Greater Community Credit Union | Dawson | $60.7M | None reported | $9.2M |
| St. Cloud Financial Credit Union | Sartell | $50.3M | $1.6M | $4.8M |
| Co-Op Credit Union of Montevideo | Montevideo | $49.7M | $248,569 | $10.0M |
| Trustar Federal Credit Union | International Falls | $43.2M | $1.7M | $8.7M |
| Southpoint Financial Credit Union | Sleepy Eye | $40.8M | $189,357 | $10.2M |
| City & County Credit Union | Saint Paul | $38.8M | $6.7M | $21.2M |
| Ideal Credit Union | Woodbury | $36.5M | None reported | $17.3M |
| Mid Minnesota Federal Credit Union | Baxter | $36.1M | None reported | $12.0M |
| Topline Financial Credit Union | Maple Grove | $36.0M | $7.4M | $17.1M |
| Affinity Plus Federal Credit Union | Saint Paul | $33.1M | $1.1M | $66.5M |
| Minnesota Power Employees Credit Union | Duluth | $29.8M | $1.3M | $3.6M |
| North Shore Federal Credit Union | Silver Bay | $27.2M | $939,000 | $5.5M |
| First Alliance Credit Union | Rochester | $23.7M | $3.1M | $5.4M |
| Building Trades Federal Credit Union | Maple Grove | $16.0M | $7.6M | $4.1M |
| Harbor Pointe Credit Union | Duluth | $14.2M | None reported | $3.2M |
The remaining 29 credit unions with an office in Minnesota that report commercial real estate lending:
- Leading Edge Credit Union — Worthington
- Minnco Credit Union — Cambridge
- Sharepoint Credit Union — Bloomington
- Centricity Credit Union — Hermantown
- North Star Credit Union — Cook
- South Metro Federal Credit Union — Prior Lake
- Red Wing Credit Union — Red Wing
- Minnesota Valley Federal Credit Union — Mankato
- Mayo Employees Federal Credit Union — Rochester
- Northridge Community Credit Union — Virginia
- Accentra Credit Union — Austin
- Share Advantage Credit Union — Duluth
- St. Paul Federal Credit Union — Saint Paul
- Brainerd B. N. Credit Union — Brainerd
- Wings Credit Union — Colorado Springs
- Royal Credit Union — Eau Claire
- Credit Union 1 — Lombard
- Veridian Credit Union — Waterloo
- Genisys Credit Union — Auburn Hills
- First Community Credit Union — Jamestown
- Altra Federal Credit Union — Onalaska
- Notre Dame Federal Credit Union — Notre Dame
- Selfreliance Federal Credit Union — Chicago
- Baxter Credit Union — Vernon Hills
- Superior Choice Credit Union — Superior
- Members Choice WV Federal Credit Union — Charleston
- United Savings Credit Union — Fargo
- Ashland Credit Union — Ashland
- Connexus Credit Union — Wausau