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 |
|---|---|---|---|---|
| Black Hills Federal Credit Union | Rapid City | $325.7M | $43.0M | $37.7M |
| Sentinel Federal Credit Union | Box Elder | $54.4M | $8.5M | $3.2M |
| Highmark Federal Credit Union | Rapid City | $42.9M | $2.6M | $3.0M |
| Dakotaland Federal Credit Union | Huron | $40.8M | $84,164 | $12.3M |
| Levo Federal Credit Union | Sioux Falls | $34.2M | $571,460 | $8.9M |
| Interfaith Federal Credit Union | MontclairHQ CA | $16.3M | $888,462 | $2.4M |
| Aspen Federal Credit Union | Rapid City | $13.9M | $515,653 | $2.2M |
| Service First Federal Credit Union | Sioux Falls | $13.1M | $5.8M | $2.9M |
| Voyage Federal Credit Union | Sioux Falls | $12.6M | $454,546 | $4.3M |
| Northern Hills Federal Credit Union | Sturgis | $8.2M | $148,229 | $2.9M |
| Norstar Federal Credit Union | Britton | $4.9M | None reported | $1.8M |
| Dakota Plains Federal Credit Union | Lemmon | $4.0M | None reported | $1.2M |
| Area Federal Credit Union | Aberdeen | $2.8M | None reported | $5.1M |
| Siouxland Federal Credit Union | South Sioux CityHQ NE | $2.6M | None reported | $6.4M |
| MO Federal Credit Union | Huron | $912,945 | None reported | $865,486 |
| Coteau Valley Federal Credit Union | Sisseton | $472,866 | None reported | $282,026 |
| Ft. Randall Federal Credit Union | Wagner | $462,928 | None reported | $1.2M |
| Explorers Federal Credit Union | Yankton | $29,930 | None reported | $1.6M |