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 |
|---|---|---|---|---|
| Eastman Credit Union | Kingsport | $906.7M | $66.3M | $226.9M |
| Y-12 Federal Credit Union | Oak Ridge | $525.2M | $24.9M | $43.6M |
| Knoxville Tva Employees Credit Union | Knoxville | $445.0M | None reported | $86.5M |
| Orion Financial | Memphis | $411.4M | $7.1M | $35.9M |
| Ascend Federal Credit Union | Tullahoma | $344.9M | $14.1M | $105.8M |
| Tennessee Valley Federal Credit Union | Chattanooga | $230.4M | $33.8M | $72.1M |
| Consumer Credit Union | Greeneville | $128.3M | $6.1M | $10.6M |
| UT Federal Credit Union | Knoxville | $122.8M | $1.1M | $8.0M |
| ORNL Federal Credit Union | Oak Ridge | $109.4M | $31.2M | $82.1M |
| Enrichment Federal Credit Union | Oak Ridge | $69.4M | $1.6M | $18.0M |
| Heritage South Community Cu Credit Union | Shelbyville | $35.1M | $4.4M | $9.2M |
| Southern Security Federal Credit Union | Collierville | $16.0M | $6.6M | $3.8M |
| Fortera Federal Credit Union | Clarksville | $15.7M | None reported | $18.0M |
| Leaders Credit Union | Jackson | $14.3M | None reported | $22.6M |
| Knoxville Teachers Federal Credit Union | Knoxville | $6.4M | $5.3M | $4.1M |
| Southeast Financial Credit Union | Franklin | $6.1M | $290,894 | $5.6M |
| Resound Credit Union | Nashville | $4.6M | $1.6M | $11.2M |
| Us Community Credit Union | Nashville | $3.5M | None reported | $6.0M |
| Scenic Community Credit Union | Hixson | $3.5M | None reported | $2.3M |
| Appalachian Community Federal Credit Union | Kingsport | $2.6M | None reported | $3.0M |
The remaining 22 credit unions with an office in Tennessee that report commercial real estate lending:
- First South Financial Federal Credit Union — Bartlett
- Collegedale Credit Union — Collegedale
- Northeast Community Credit Union — Elizabethton
- Tennessee Members 1st Federal Credit Union — Oak Ridge
- Employee Resources Credit Union — Lawrenceburg
- Comtrust Federal Credit Union — Chattanooga
- City Employees Credit Union — Knoxville
- Beacon Financial Credit Union — Johnson City
- Alcoa Tenn Federal Credit Union — Alcoa
- Greater Experience Credit Union — Johnson City
- Old Hickory Credit Union — Nashville
- CommunityAmerica Credit Union — Lenexa
- Liberty Federal Credit Union — Evansville
- Altra Federal Credit Union — Onalaska
- Redstone Federal Credit Union — Huntsville
- Navy Federal Credit Union — Vienna
- Listerhill Credit Union — Sheffield
- Hope Credit Union — Jackson
- Firefighters First Federal Credit Union — Los Angeles
- City & County Credit Union — Saint Paul
- Interfaith Federal Credit Union — Montclair
- American Spirit Federal Credit Union — Newark