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 |
|---|---|---|---|---|
| OnPoint Community Credit Union | Portland | $737.5M | $10.8M | $214.6M |
| SELCO Community Credit Union | Springfield | $324.7M | $867,028 | $53.8M |
| Oregon State Credit Union | Corvallis | $304.2M | $16.6M | $49.1M |
| Unitus Community Credit Union | Tigard | $303.4M | None reported | $26.8M |
| Rivermark Community Credit Union | Oregon City | $286.6M | None reported | $52.7M |
| Marion and Polk Schools Credit Union | Salem | $280.9M | $10.2M | $26.3M |
| First Community Credit Union | Coquille | $221.2M | $15.4M | $35.6M |
| Oregon Community Credit Union | Eugene | $212.9M | None reported | $57.7M |
| Rogue Credit Union | Medford | $175.0M | $8.8M | $67.4M |
| Old West Federal Credit Union | John Day | $118.7M | None reported | $5.7M |
| Mid Oregon Credit Union | Bend | $99.9M | $2.5M | $15.6M |
| Inroads Federal Credit Union | Saint Helens | $90.7M | None reported | $4.1M |
| Embold Federal Credit Union | Oregon City | $77.1M | $912,106 | $9.0M |
| Consolidated Federal Credit Union | Portland | $73.6M | $458,319 | $19.2M |
| Central Willamette Credit Union | Albany | $66.8M | $699,279 | $13.3M |
| Wauna Federal Credit Union | Clatskanie | $47.7M | None reported | $5.5M |
| Sage Federal Credit Union | Klamath Falls | $34.1M | $402,226 | $5.8M |
| NW Preferred Federal Credit Union | Tigard | $13.0M | None reported | $4.1M |
| Cascade Community Federal Credit Union | Roseburg | $8.7M | None reported | $12.4M |
| Oregonians Credit Union | Milwaukie | $4.1M | None reported | $8.4M |
The remaining 17 credit unions with an office in Oregon that report commercial real estate lending:
- Valley Credit Union — Salem
- Trailhead Credit Union — Portland
- Pacific NW Federal Credit Union — Portland
- Emerald Empire Federal Credit Union — Springfield
- IBEW & United Workers Federal Credit Union — Portland
- First Technology Federal Credit Union — San Jose
- STCU — Liberty Lake
- Pentagon Federal Credit Union — Mclean
- Columbia Community Credit Union — Vancouver
- HAPO Community Credit Union — Richland
- Peak Credit Union — Olympia
- iQ Credit Union — Vancouver
- Red Canoe Credit Union — Longview
- Fibre Federal Credit Union — Longview
- Horizon Credit Union — Spokane Valley
- Ukrainian Federal Credit Union — Rochester
- Operating Engineers Local Union #3 Federal Credit Union — Livermore