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 |
|---|---|---|---|---|
| Security Service Federal Credit Union | San Antonio | $1.53B | $16.6M | $238.7M |
| Randolph-Brooks Federal Credit Union | Universal City | $970.6M | $37.0M | $393.8M |
| GECU | El Paso | $575.7M | $106.2M | $93.9M |
| EECU | Fort Worth | $433.5M | $2.4M | $92.8M |
| Firstlight Federal Credit Union | El Paso | $378.9M | $36.6M | $25.3M |
| Texas Dow Employees Credit Union | Houston | $272.1M | $20.1M | $76.6M |
| Rally Credit Union | Corpus Christi | $232.0M | $28.0M | $100.5M |
| First Community Credit Union | Houston | $218.2M | $405,000 | $36.8M |
| A+ Federal Credit Union | Austin | $190.7M | $9.7M | $52.9M |
| United Heritage Credit Union | Austin | $166.6M | None reported | $25.3M |
| Firstmark Credit Union | San Antonio | $163.0M | $1.3M | $18.6M |
| University Federal Credit Union | Austin | $161.9M | $41.4M | $61.1M |
| Red River Employees Federal Credit Union | Texarkana | $145.6M | $22.5M | $32.9M |
| Credit Union of Texas | Allen | $142.8M | $40.5M | $32.2M |
| Alliance Credit Union | Lubbock | $140.7M | $10.6M | $18.3M |
| Austin Telco Federal Credit Union | Austin | $126.7M | $198,955 | $53.4M |
| Smart Financial Credit Union | Houston | $114.6M | $961,921 | $14.3M |
| Generations Community Federal Credit Union | San Antonio | $109.0M | None reported | $10.2M |
| Amplify Credit Union | Austin | $103.6M | $3.7M | $20.5M |
| Texell | Temple | $102.2M | $4.1M | $12.6M |
The remaining 96 credit unions with an office in Texas that report commercial real estate lending:
- Community Resource Credit Union — Baytown
- Members Trust of The Southwest Federal Credit Union — Houston
- Raiz Federal Credit Union — El Paso
- Rave Financial Credit Union — Beaumont
- Intouch Credit Union — Plano
- Houston Federal Credit Union — Sugar Land
- Fivepoint Credit Union — Nederland
- Credit Human Federal Credit Union — San Antonio
- Dugood Federal Credit Union — Beaumont
- Primeway Federal Credit Union — Houston
- Texas Trust Credit Union — Mansfield
- Nizari Progressive Federal Credit Union — Sugar Land
- Greater Texas Federal Credit Union — Austin
- Union Square Credit Union — Wichita Falls
- Neches Federal Credit Union — Port Neches
- First Basin Credit Union — Odessa
- First Service Credit Union — Houston
- 1st Community Federal Credit Union — San Angelo
- Texar Federal Credit Union — Texarkana
- MCT Credit Union — Port Neches
- Education First Federal Credit Union — Beaumont
- Texoma Community Credit Union — Wichita Falls
- Coastlife Credit Union — Corpus Christi
- Access Community Credit Union — Amarillo
- Pioneer Mutual Federal Credit Union — Sugar Land
- Southwest Heritage Credit Union — Odessa
- Members Choice Credit Union — Houston
- Gulf Credit Union — Groves
- East Texas Professional Credit Union — Longview
- Resource One Credit Union — Dallas
- Openland Credit Union — League City
- Texas Bay Credit Union — Houston
- 4U Federal Credit Union — Gainesville
- Baptist Credit Union — San Antonio
- River City Federal Credit Union — San Antonio
- Windthorst Federal Credit Union — Windthorst
- Southwest 66 Credit Union — Odessa
- Westex Community Credit Union — Kermit
- Postel Family Credit Union — Wichita Falls
- Walker County Federal Credit Union — Huntsville
- Trans Texas Southwest Credit Union — San Angelo
- Mountain Star Federal Credit Union — El Paso
- American Airlines Federal Credit Union — Fort Worth
- Greater Central Texas Federal Credit Union — Killeen
- First Central Credit Union — Waco
- Fort Worth City Credit Union — Fort Worth
- Texasgulf Federal Credit Union — Wharton
- Gulf Coast Federal Credit Union — Corpus Christi
- Genco Federal Credit Union — Waco
- Select Federal Credit Union — San Antonio
- Texans Credit Union — Richardson
- Community Service Credit Union — Huntsville
- Cy-Fair Federal Credit Union — Houston
- Texas Associations of Professionals Federal Credit Union — San Antonio
- Service 1st Credit Union — Greenville
- Temple Santa Fe Community Credit Union — Temple
- Yantis Federal Credit Union — Yantis
- Texas Bridge Credit Union — Corpus Christi
- Pampa Teachers Federal Credit Union — Pampa
- Velocity Credit Union — Austin
- Reeves County Teachers Credit Union — Pecos
- Laredo Federal Credit Union — Laredo
- First Technology Federal Credit Union — San Jose
- CommunityAmerica Credit Union — Lenexa
- Nusenda Credit Union — Albuquerque
- Delta Community Credit Union — Atlanta
- Eastman Credit Union — Kingsport
- Pentagon Federal Credit Union — Mclean
- Altra Federal Credit Union — Onalaska
- Tinker Federal Credit Union — Oklahoma City
- Premier America Credit Union — Chatsworth
- Navy Federal Credit Union — Vienna
- Farmers Insurance Federal Credit Union — Los Angeles
- Technology Credit Union — San Jose
- Together Credit Union — Saint Louis
- Meriwest Credit Union — San Jose
- Firefighters First Federal Credit Union — Los Angeles
- Skyone Federal Credit Union — Hawthorne
- Truity Credit Union — Bartlesville
- Suma Federal Credit Union — Yonkers
- TruWest Credit Union — Scottsdale
- Chartway Federal Credit Union — Virginia Beach
- Barksdale Federal Credit Union — Barksdale Afb
- Carter Credit Union — Springhill
- Energy One Federal Credit Union — Tulsa
- Bayer Heritage Federal Credit Union — New Martinsville
- Essential Credit Union — Baton Rouge
- Luso-American Credit Union — Peabody
- Adirondack Regional Federal Credit Union — Tupper Lake
- National Police Federal Credit Union — Chicago
- First Federal Credit Union — Hiawatha
- Share Advantage Credit Union — Duluth
- Justice Federal Credit Union — Chantilly
- VA Desert Pacific Federal Credit Union — Long Beach
- Everest Federal Credit Union — Jackson Heights
- B.O.N.D. Community Federal Credit Union — Atlanta