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 |
|---|---|---|---|---|
| Magnifi Financial Credit Union | MelroseHQ MN | $1.07B | $206.5M | $45.6M |
| Credit Union 1 | LombardHQ IL | $813.1M | None reported | $41.2M |
| Service Federal Credit Union | PortsmouthHQ NH | $599.9M | $61.1M | $119.5M |
| First Community Credit Union | Jamestown | $577.9M | $53.7M | $28.3M |
| Town and Country Credit Union | Minot | $333.0M | $12.0M | $15.1M |
| Capital Credit Union | Bismarck | $266.1M | $9.8M | $18.1M |
| Empeople Credit Union | MolineHQ IL | $109.0M | $1.8M | $28.1M |
| Hometown Credit Union | Kulm | $77.4M | $925,039 | $5.2M |
| North Star Community Credit Union | Maddock | $72.1M | None reported | $10.0M |
| Western Cooperative Credit Union | Williston | $35.1M | None reported | $11.1M |
| Levo Federal Credit Union | Sioux FallsHQ SD | $34.2M | $571,460 | $8.9M |
| Railway Credit Union | Mandan | $32.8M | $4.1M | $3.8M |
| Dakota West Credit Union | Watford City | $25.9M | None reported | $6.9M |
| Dakota Plains Credit Union | Edgeley | $20.2M | None reported | $1.7M |
| Community Credit Union | New Rockford | $16.3M | None reported | $4.5M |
| Dakota Plains Federal Credit Union | LemmonHQ SD | $4.0M | None reported | $1.2M |
| United Savings Credit Union | Fargo | $2.5M | $80,936 | $2.4M |
| Vue Community Credit Union | Bismarck | $2.3M | $151,295 | $1.4M |
| Lamoure Credit Union | Lamoure | $1.4M | None reported | $1.1M |
| Aspire Community Federal Credit Union | Minot | $287,760 | None reported | $4.2M |
The remaining 3 credit unions with an office in North Dakota that report commercial real estate lending:
- Lisbon Farmers Union Credit Union — Lisbon
- Affinity First Federal Credit Union — Minot
- Fargo VA Federal Credit Union — Fargo