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 |
|---|---|---|---|---|
| Members 1st Federal Credit Union | Enola | $942.3M | $113.4M | $192.2M |
| American Heritage Credit Union | Philadelphia | $875.2M | $3.1M | $67.7M |
| Citadel Federal Credit Union | Exton | $478.0M | $5.6M | $95.9M |
| Philadelphia Federal Credit Union | Philadelphia | $316.8M | $7.3M | $38.3M |
| Trumark Financial Credit Union | Fort Washington | $259.8M | $26.0M | $58.1M |
| First Commonwealth Federal Credit Union | Lehigh Valley | $249.9M | $12.3M | $22.1M |
| Franklin Mint Federal Credit Union | Chadds Ford | $211.8M | $4.7M | $26.8M |
| Patriot Federal Credit Union | Chambersburg | $135.9M | $14.0M | $23.1M |
| Clearview Federal Credit Union | Moon Township | $131.5M | $14.8M | $36.6M |
| Sun East Federal Credit Union | Aston | $98.1M | None reported | $11.7M |
| People First Federal Credit Union | Allentown | $93.9M | $3.8M | $11.8M |
| Erie Federal Credit Union | Erie | $73.2M | $3.2M | $12.8M |
| Diamond Credit Union | Pottstown | $71.7M | $682,947 | $18.8M |
| Service 1st Federal Credit Union | Danville | $67.9M | $357,436 | $13.9M |
| Belco Community Credit Union | Harrisburg | $66.5M | $992,472 | $15.7M |
| Everence Federal Credit Union | Lancaster | $61.1M | $529,211 | $5.9M |
| Inspire Federal Credit Union | Newtown | $55.1M | None reported | $6.2M |
| Armco Credit Union | Butler | $55.0M | $10.7M | $14.7M |
| Lebanon Federal Credit Union | Lebanon | $53.3M | $1.9M | $8.0M |
| Utilities Employees Credit Union | Reading | $44.6M | None reported | $35.6M |
The remaining 69 credit unions with an office in Pennsylvania that report commercial real estate lending:
- West-Aircomm Federal Credit Union — Beaver
- Penn State Federal Credit Union — Bellefonte
- Americhoice Federal Credit Union — Mechanicsburg
- Pennsylvania State Employees Credit Union — Harrisburg
- Century Heritage Federal Credit Union — Pittsburgh
- First Capital Federal Credit Union — York
- BHCU — Ridley Park
- Chrome Federal Credit Union — Canonsburg
- CACL Federal Credit Union — Pottsville
- Top Tier Federal Credit Union — Clarion
- Arize Federal Credit Union — State College
- Discovery Federal Credit Union — Wyomissing
- Lanco Federal Credit Union — Lancaster
- MC Federal Credit Union — Danville
- Freedom Credit Union — Warminster
- Riverfront Federal Credit Union — Wyomissing
- Penn East Federal Credit Union — Scranton
- Merck Sharp & Dohme Federal Credit Union — Chalfont
- Omega Federal Credit Union — Wexford
- Hershey Federal Credit Union — Hummelstown
- Tri County Area Federal Credit Union — Pottstown
- Priority First Federal Credit Union — Du Bois
- Arc Federal Credit Union — Altoona
- New Alliance Federal Credit Union — Ambridge
- The One Federal Credit Union — Meadville
- Allegent Community Federal Credit Union — Pittsburgh
- R-S Bellco Federal Credit Union — New Brighton
- Guthrie Community Federal Credit Union — Sayre
- New Cumberland Federal Credit Union — New Cumberland
- USX Federal Credit Union — Cranberry Township
- USSCO Johnstown Federal Credit Union — Johnstown
- Mon Valley Community Federal Credit Union — Allenport
- Superior Credit Union — Collegeville
- Widget Federal Credit Union — Erie
- Cross Valley Federal Credit Union — Wilkes Barre
- Citymark Federal Credit Union — Plains
- Frick Financial Federal Credit Union — Uniontown
- Choice One Community Federal Credit Union — Plains Township
- Horizon Federal Credit Union — Williamsport
- Corry Federal Credit Union — Corry
- Timberland Federal Credit Union — Dubois
- Washington Area Teachers Federal Credit Union — Washington
- Susquehanna Valley Federal Credit Union — Camp Hill
- Saint Nicholas Federal Credit Union — Wilkes Barre
- Pentagon Federal Credit Union — Mclean
- Self Reliance Financial Federal Credit Union — New York
- Visions Federal Credit Union — Endicott
- United Federal Credit Union — St. Joseph
- Polish & Slavic Federal Credit Union — Brooklyn
- Navy Federal Credit Union — Vienna
- Corning Federal Credit Union — Corning
- Alero Financial Credit Union — Elgin
- First Heritage Federal Credit Union — Corning
- First Peoples Community Federal Credit Union — Cumberland
- Bayer Heritage Federal Credit Union — New Martinsville
- High Point Federal Credit Union — Olean
- Sun Federal Credit Union — Maumee
- Christian Family Credit Union — North Canton
- Heritage Financial Federal Credit Union — Middletown
- Utica Gas & Electric Emp Federal Credit Union — New Hartford
- General Electric Employees Federal Credit Union — Milford
- Alden Credit Union — Chicopee
- IRCO Community Federal Credit Union — Phillipsburg
- Fedchoice Federal Credit Union — Lanham
- First Harvest Federal Credit Union — Deptford
- The United Federal Credit Union — Morgantown
- Eagle One Federal Credit Union — Claymont
- American Airlines Federal Credit Union — Fort Worth
- Riegel Federal Credit Union — Milford