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 |
|---|---|---|---|---|
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Together Credit Union | Saint Louis | $162.7M | $10.5M | $39.6M |
| Assemblies of God Credit Union | Springfield | $82.3M | $15.8M | $6.0M |
| Multipli Federal Credit Union | Jefferson City | $74.4M | $5.9M | $23.3M |
| 1st Midamerica Credit Union | BethaltoHQ IL | $73.1M | $7.9M | $20.3M |
| Members Choice Credit Union | AshlandHQ KY | $64.5M | $3.4M | $5.4M |
| St. Louis Community Credit Union | Saint Louis | $59.5M | None reported | $10.0M |
| Neighbors Credit Union | Saint Louis | $49.9M | $5.5M | $10.4M |
| City & County Credit Union | Saint PaulHQ MN | $38.8M | $6.7M | $21.2M |
| Arsenal Credit Union | Arnold | $37.9M | $827,559 | $5.1M |
| Blucurrent Credit Union | Springfield | $34.7M | None reported | $6.2M |
| First Community Credit Union | Chesterfield | $24.4M | None reported | $65.1M |
| Mazuma Credit Union | Overland ParkHQ KS | $24.0M | None reported | $17.1M |
| West Community Credit Union | O Fallon | $21.8M | None reported | $8.1M |
| Mainstreet Federal Credit Union | LenexaHQ KS | $21.6M | None reported | $10.4M |
| Mid American Credit Union | WichitaHQ KS | $19.2M | None reported | $7.1M |
| Alliance Credit Union | Fenton | $17.5M | None reported | $7.1M |
| Interfaith Federal Credit Union | MontclairHQ CA | $16.3M | $888,462 | $2.4M |
| Riverways Federal Credit Union | Rolla | $11.6M | $1.3M | $1.7M |
The remaining 17 credit unions with an office in Missouri that report commercial real estate lending:
- Scott Credit Union — Edwardsville
- Infuze Federal Credit Union — Fort Leonard Wood
- United Consumers Credit Union — Independence
- Holy Rosary Credit Union — Kansas City
- United Credit Union — Mexico
- National Police Federal Credit Union — Chicago
- Kansas City Credit Union — Kansas City
- Conservation Employees Credit Union — Jefferson City
- Lewis Clark Credit Union — Lewiston
- Columbia Credit Union — Columbia
- Metro Credit Union — Springfield
- Foundation Credit Union — Springfield
- Members 1st Credit Union — Saint Louis
- Missouri Central Credit Union — Lees Summit
- Horizon Credit Union — Macon
- Alltru Federal Credit Union — Wentzville
- Ozark Federal Credit Union — Poplar Bluff