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 |
|---|---|---|---|---|
| Truliant Federal Credit Union | Winston Salem | $921.0M | $17.9M | $85.8M |
| Allegacy Financial Federal Credit Union | Winston Salem | $521.5M | $103.3M | $44.5M |
| Self-Help Credit Union | Durham | $363.7M | $178.7M | $79.8M |
| Skyla Federal Credit Union | Charlotte | $239.9M | $8.0M | $24.0M |
| Coastal Federal Credit Union | Raleigh | $163.5M | None reported | $92.1M |
| Civic Federal Credit Union | Raleigh | $104.2M | $4.4M | $27.0M |
| Self-Help Federal Credit Union | Durham | $66.2M | $389,254 | $91.0M |
| Marine Federal Credit Union | Jacksonville | $42.4M | $213,845 | $17.2M |
| Champion Credit Union | Canton | $26.6M | None reported | $10.1M |
| Carolinas Telco Federal Credit Union | Charlotte | $13.5M | None reported | $11.4M |
| American Partners Federal Credit Union | Reidsville | $7.9M | None reported | $1.7M |
| North Carolina Community Federal Credit Union | Goldsboro | $6.4M | $1.2M | $1.8M |
| Shuford Federal Credit Union | Hickory | $857,780 | None reported | $742,549 |
| Bragg Mutual Federal Credit Union | Fayetteville | $464,155 | None reported | $1.6M |
| RTP Federal Credit Union | Research Triangle Park | $433,219 | None reported | $1.7M |
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| Pentagon Federal Credit Union | McleanHQ VA | $639.3M | $237,900 | $469.5M |
| United Federal Credit Union | St. JosephHQ MI | $360.1M | $25.3M | $79.4M |
| Centra Credit Union | ColumbusHQ IN | $290.6M | $23.3M | $44.0M |
| REV Federal Credit Union | CharlestonHQ SC | $266.8M | $33.8M | $25.5M |
The remaining 16 credit unions with an office in North Carolina that report commercial real estate lending:
- Navy Federal Credit Union — Vienna
- Corning Federal Credit Union — Corning
- Langley Federal Credit Union — Newport News
- Baxter Credit Union — Vernon Hills
- Empeople Credit Union — Moline
- ABNB Federal Credit Union — Chesapeake
- Credit Human Federal Credit Union — San Antonio
- Ukrainian Federal Credit Union — Rochester
- Workmen's Circle Incorporated Credit Union — Savannah
- Arlington Community Federal Credit Union — Arlington
- Founders Federal Credit Union — Lancaster
- Proponent Federal Credit Union — Nutley
- American Airlines Federal Credit Union — Fort Worth
- First NRV Federal Credit Union — Radford
- URW Community Federal Credit Union — Danville
- Excite Credit Union — San Jose