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 |
|---|---|---|---|---|
| Wright-Patt Credit Union, Inc. | Beavercreek | $882.4M | $63.8M | $162.2M |
| General Electric Credit Union | Cincinnati | $451.8M | $42.5M | $53.8M |
| Telhio Credit Union | Columbus | $253.2M | $2.6M | $19.6M |
| Cinfed Credit Union | Cincinnati | $234.3M | $19.3M | $15.0M |
| KEMBA Financial Credit Union | Gahanna | $217.3M | $18.1M | $46.7M |
| Superior Credit Union, Inc | Lima | $171.5M | $16.1M | $44.8M |
| Seven Seventeen Credit Union | Warren | $138.3M | None reported | $40.5M |
| Kemba Credit Union | West Chester | $137.3M | $3.9M | $30.5M |
| OC Federal Credit Union | Garfield Heights | $83.7M | None reported | $6.4M |
| Desco Federal Credit Union | Portsmouth | $76.9M | $2.3M | $9.7M |
| Atomic Credit Union | Piketon | $60.4M | $4.7M | $10.6M |
| Oucu Financial Credit Union, Inc. | Athens | $40.3M | $806,499 | $9.1M |
| Abbey Credit Union | Vandalia | $38.7M | None reported | $2.4M |
| Day Air Credit Union | Kettering | $36.5M | $3.2M | $19.8M |
| IH Credit Union | Springfield | $31.8M | None reported | $8.7M |
| Vacationland Federal Credit Union | Sandusky | $31.2M | $1.1M | $6.3M |
| Pathways Financial Credit Union | Columbus | $28.5M | $1.0M | $12.6M |
| River Valley Credit Union | Miamisburg | $20.2M | None reported | $9.1M |
| Sun Federal Credit Union | Maumee | $19.5M | None reported | $11.0M |
| Directions Credit Union | Toledo | $19.3M | None reported | $19.9M |
The remaining 62 credit unions with an office in Ohio that report commercial real estate lending:
- Cardinal Credit Union, Inc. — Mentor
- Christian Family Credit Union — North Canton
- First Service Federal Credit Union — Groveport
- Quest Federal Credit Union — Kenton
- Glass City Federal Credit Union — Maumee
- Midwest Community Federal Credit Union — Defiance
- Fremont Federal Credit Union — Fremont
- Hancock Federal Credit Union — Findlay
- Myusa Credit Union — Middletown
- Lakeview Federal Credit Union — Ashtabula
- Firelands Federal Credit Union — Bellevue
- Universal 1 Credit Union — Dayton
- Sharefax Credit Union — Cincinnati
- Impact Credit Union, Inc. — Clyde
- Genfed Financial Credit Union — Akron
- Greater Cincinnati School Credit Union — Cincinnati
- Eaton Family Credit Union — Euclid
- Medina County Federal Credit Union — Wadsworth
- Community Star Credit Union — Elyria
- Riverview Federal Credit Union — Belpre
- Ohio Valley Community Federal Credit Union — Clarington
- Bridge Credit Union — Powell
- Code Credit Union — Dayton
- Trupartner Credit Union — Cincinnati
- Commodore Perry Federal Credit Union — Oak Harbor
- Homeland Credit Union — Chillicothe
- Cleveland Selfreliance Federal Credit Union — Parma
- Towpath Credit Union — Fairlawn
- Hopewell Federal Credit Union — Heath
- Community First Credit Union — Ashtabula
- CME Federal Credit Union — Columbus
- Pillar Credit Union — Marion
- Postal Family Credit Union, Inc. — Cincinnati
- Buckeye State Credit Union — Akron
- Stark Federal Credit Union — Canton
- St. Josephs Canton Parish Federal Credit Union — Canton
- Truecore Federal Credit Union — Newark
- Century Federal Credit Union — Independence
- DN Community Federal Credit Union — Canton
- Canton School Employees Federal Credit Union — North Canton
- Falls Catholic Credit Union — Cuyahoga Falls
- Treadwell Credit Union — Dayton
- Sorg Bay West Federal Credit Union — Middletown
- Faith Community United Credit Union — Cleveland
- Ohio Valley Federal Credit Union — Batavia
- United Federal Credit Union — St. Joseph
- Navy Federal Credit Union — Vienna
- Together Credit Union — Saint Louis
- Three Rivers Federal Credit Union — Fort Wayne
- Baxter Credit Union — Vernon Hills
- Clearview Federal Credit Union — Moon Township
- Everence Federal Credit Union — Lancaster
- Ukrainian Federal Credit Union — Rochester
- Bayer Heritage Federal Credit Union — New Martinsville
- First Choice America Community Federal Credit Union — Weirton
- Security Credit Union — Grand Blanc
- Cornerstone Community Financial Credit Union — Auburn Hills
- Partners 1st Federal Credit Union — Fort Wayne
- National Police Federal Credit Union — Chicago
- USX Federal Credit Union — Cranberry Township
- Ft. Randall Federal Credit Union — Wagner
- Everest Federal Credit Union — Jackson Heights