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 |
|---|---|---|---|---|
| Virginia Credit Union | Richmond | $1.07B | $232.8M | $118.9M |
| Pentagon Federal Credit Union | Mclean | $639.3M | $237,900 | $469.5M |
| Freedom First Credit Union | Roanoke | $502.1M | $41.1M | $19.9M |
| Apple Federal Credit Union | Fairfax | $465.8M | None reported | $93.2M |
| Bayport Federal Credit Union | Newport News | $288.4M | $6.7M | $47.0M |
| Navy Federal Credit Union | Vienna | $264.5M | None reported | $3.57B |
| Dupont Community Credit Union | Waynesboro | $195.9M | $18.3M | $34.4M |
| Langley Federal Credit Union | Newport News | $150.2M | $4.8M | $78.0M |
| 1st Advantage Federal Credit Union | Newport News | $119.2M | $7.6M | $27.2M |
| Valleystar Credit Union | Martinsville | $119.1M | None reported | $7.7M |
| ABNB Federal Credit Union | Chesapeake | $104.4M | $9.1M | $10.9M |
| Northwest Federal Credit Union | Herndon | $66.3M | $18.7M | $81.1M |
| University of Va Community Cu Credit Union | Charlottesville | $65.0M | $1.0M | $25.1M |
| Chartway Federal Credit Union | Virginia Beach | $61.7M | $11.6M | $40.5M |
| Park View Federal Credit Union | Harrisonburg | $52.9M | $1.6M | $6.2M |
| Signature Federal Credit Union | Alexandria | $13.2M | None reported | $6.7M |
| Beacon Credit Union, Incorporated | Lynchburg | $11.9M | None reported | $6.5M |
| Bronco Federal Credit Union | Franklin | $10.9M | None reported | $4.6M |
| Topside Federal Credit Union | Dahlgren | $10.7M | None reported | $6.5M |
| Arlington Community Federal Credit Union | Arlington | $9.1M | None reported | $6.4M |
The remaining 32 credit unions with an office in Virginia that report commercial real estate lending:
- United States Senate Federal Credit Union — Alexandria
- Call Federal Credit Union — Glen Allen
- Argent Federal Credit Union — Chesterfield
- Spectra Federal Credit Union — Alexandria
- Homebase Federal Credit Union — Prince George
- Virginia United Methodist Credit Union — North Chesterfield
- Justice Federal Credit Union — Chantilly
- First NRV Federal Credit Union — Radford
- Connects Federal Credit Union — Richmond
- URW Community Federal Credit Union — Danville
- Celco Community Federal Credit Union — Narrows
- Peoples Advantage Federal Credit Union — Petersburg
- Halifax County Community Federal Credit Union — South Boston
- Truliant Federal Credit Union — Winston Salem
- Eastman Credit Union — Kingsport
- Self-Help Credit Union — Durham
- Hanscom Federal Credit Union — Hanscom Afb
- Together Credit Union — Saint Louis
- NASA Federal Credit Union — Upper Marlboro
- Baxter Credit Union — Vernon Hills
- Penair Credit Union — Pensacola
- Andrews Federal Credit Union — Suitland
- Alero Financial Credit Union — Elgin
- Signal Financial Federal Credit Union — Kensington
- Everence Federal Credit Union — Lancaster
- Lafayette Federal Credit Union — Rockville
- Marine Federal Credit Union — Jacksonville
- General Electric Employees Federal Credit Union — Milford
- American Partners Federal Credit Union — Reidsville
- Partners 1st Federal Credit Union — Fort Wayne
- Appalachian Community Federal Credit Union — Kingsport
- Everest Federal Credit Union — Jackson Heights