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 |
|---|---|---|---|---|
| America First Credit Union | Riverdale | $2.75B | $254.2M | $432.9M |
| Mountain America Credit Union | Sandy | $2.33B | $149.1M | $327.3M |
| Goldenwest Federal Credit Union | Ogden | $994.7M | $91.3M | $85.8M |
| Utah Community Credit Union | Provo | $961.1M | $55.7M | $61.5M |
| Canyon View Credit Union | Salt Lake City | $528.8M | $108.3M | $31.5M |
| Utah First Federal Credit Union | Salt Lake City | $335.0M | $43.3M | $18.3M |
| Granite Credit Union | Salt Lake City | $224.5M | $6.8M | $13.8M |
| Cyprus Federal Credit Union | West Jordan | $222.9M | $20.2M | $38.8M |
| Wasatch Peaks Federal Credit Union | Ogden | $209.3M | $7.4M | $10.4M |
| Deseret First Federal Credit Union | West Valley City | $202.8M | $20.6M | $16.1M |
| American United Federal Credit Union | West Jordan | $73.8M | $6.3M | $6.6M |
| Eastern Utah Community Federal Credit Union | Price | $29.6M | $246,475 | $4.6M |
| Jordan Federal Credit Union | South Jordan | $24.4M | None reported | $5.9M |
| Desert Rivers Federal Credit Union | Moab | $14.3M | $667,490 | $1.5M |
| Hercules First Federal Credit Union | Salt Lake City | $5.7M | None reported | $2.4M |
| Utah Heritage Credit Union | Moroni | $1.3M | None reported | $3.1M |
| Pacific Horizon Credit Union | Springville | $295,645 | None reported | $2.0M |
| Desertview Federal Credit Union | Huntington | $255,514 | None reported | $992,917 |
| Hi-Land Credit Union | Salt Lake City | $209,703 | None reported | $1.5M |
| Freedom Credit Union | Provo | $188,809 | None reported | $1.2M |
The remaining 12 credit unions with an office in Utah that report commercial real estate lending:
- Ridgeline Federal Credit Union — Salt Lake City
- Horizon Utah Federal Credit Union — Farmington
- Security Service Federal Credit Union — San Antonio
- Delta Community Credit Union — Atlanta
- Baxter Credit Union — Vernon Hills
- Chartway Federal Credit Union — Virginia Beach
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- Sierra Pacific Federal Credit Union — Reno
- Gulf Credit Union — Groves
- Ulster Federal Credit Union — Kingston
- Service 1st Credit Union — Greenville
- Affinity First Federal Credit Union — Minot