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 |
|---|---|---|---|---|
| FourLeaf Federal Credit Union | BethpageHQ NY | $1.78B | $5.7M | $194.6M |
| American Heritage Credit Union | PhiladelphiaHQ PA | $875.2M | $3.1M | $67.7M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| Self Reliance Financial Federal Credit Union | New YorkHQ NY | $561.8M | None reported | $52.6M |
| Visions Federal Credit Union | EndicottHQ NY | $519.9M | $35.7M | $83.0M |
| Altra Federal Credit Union | OnalaskaHQ WI | $416.5M | $52.7M | $59.7M |
| Polish & Slavic Federal Credit Union | BrooklynHQ NY | $267.1M | None reported | $46.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Selfreliance Federal Credit Union | ChicagoHQ IL | $254.2M | $6.8M | $21.8M |
| First Commonwealth Federal Credit Union | Lehigh ValleyHQ PA | $249.9M | $12.3M | $22.1M |
| Affinity Federal Credit Union | Basking Ridge | $249.0M | None reported | $53.1M |
| Andrews Federal Credit Union | SuitlandHQ MD | $128.9M | None reported | $42.8M |
| Financial Resources Federal Credit Union | Branchburg | $78.5M | None reported | $8.8M |
| The Atlantic Federal Credit Union | Kenilworth | $42.1M | None reported | $4.8M |
| United Teletech Financial Federal Credit Union | Tinton Falls | $24.9M | None reported | $4.4M |
| Credit Union of New Jersey, A | Ewing | $22.1M | None reported | $7.9M |
| First Atlantic Federal Credit Union | Eatontown | $19.5M | None reported | $6.9M |
| Ukrainian National Federal Credit Union | New YorkHQ NY | $17.0M | None reported | $3.0M |
| North Jersey Federal Credit Union | Totowa | $16.9M | None reported | $4.0M |
| NOVA UA Federal Credit Union | Clifton | $16.1M | None reported | $3.2M |
The remaining 12 credit unions with an office in New Jersey that report commercial real estate lending:
- Advanced Financial Federal Credit Union — New Providence
- Greater Alliance Federal Credit Union — Paramus
- IRCO Community Federal Credit Union — Phillipsburg
- First Harvest Federal Credit Union — Deptford
- Edifi Federal Credit Union — Rancocas
- Garden Savings Federal Credit Union — Parsippany
- Proponent Federal Credit Union — Nutley
- American Airlines Federal Credit Union — Fort Worth
- Xcel Federal Credit Union — Bloomfield
- 1st Bergen Federal Credit Union — Hackensack
- Riegel Federal Credit Union — Milford
- H. E. Telephone Federal Credit Union — Rochelle Park