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 |
|---|---|---|---|---|
| BECU | TukwilaHQ WA | $2.91B | $106.5M | $558.7M |
| Truliant Federal Credit Union | Winston SalemHQ NC | $921.0M | $17.9M | $85.8M |
| SRP Federal Credit Union | North Augusta | $322.6M | $79.4M | $43.2M |
| REV Federal Credit Union | Charleston | $266.8M | $33.8M | $25.5M |
| Navy Federal Credit Union | ViennaHQ VA | $264.5M | None reported | $3.57B |
| Skyla Federal Credit Union | CharlotteHQ NC | $239.9M | $8.0M | $24.0M |
| Grow Financial Federal Credit Union | TampaHQ FL | $191.8M | $8.6M | $66.0M |
| Corning Federal Credit Union | CorningHQ NY | $170.4M | $19.8M | $45.1M |
| Peach State Federal Credit Union | LawrencevilleHQ GA | $153.2M | $5.5M | $15.2M |
| Greenville Federal Credit Union | Greenville | $104.7M | $1.4M | $8.5M |
| South Carolina Federal Credit Union | North Charleston | $72.9M | $12.4M | $51.8M |
| Self-Help Federal Credit Union | DurhamHQ NC | $66.2M | $389,254 | $91.0M |
| Houston Federal Credit Union | Sugar LandHQ TX | $64.3M | $13.1M | $14.1M |
| Spero Financial Federal Credit Union | Greenville | $61.5M | $8.1M | $8.7M |
| Ukrainian Federal Credit Union | RochesterHQ NY | $52.7M | $4.0M | $5.1M |
| Carolina Foothills Federal Credit Union | Spartanburg | $47.3M | $10.2M | $4.0M |
| Marine Federal Credit Union | JacksonvilleHQ NC | $42.4M | $213,845 | $17.2M |
| Bayer Heritage Federal Credit Union | New MartinsvilleHQ WV | $35.0M | $2.5M | $11.9M |
| Family Trust Federal Credit Union | Rock Hill | $29.1M | None reported | $14.3M |
| Palmetto Citizens Federal Credit Union | Columbia | $20.5M | $5.0M | $30.3M |
The remaining 10 credit unions with an office in South Carolina that report commercial real estate lending:
- Caro Federal Credit Union — Columbia
- SPC Credit Union — Hartsville
- Carolinas Telco Federal Credit Union — Charlotte
- Carolina Trust Federal Credit Union — Myrtle Beach
- MTC Federal Credit Union — Greenville
- Eaton Family Credit Union — Euclid
- Founders Federal Credit Union — Lancaster
- Safe Federal Credit Union — Sumter
- Allsouth Federal Credit Union — Columbia
- South Carolina Methodist Conf Credit Union — Columbia