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 |
|---|---|---|---|---|
| BECU | Tukwila | $2.91B | $106.5M | $558.7M |
| Numerica Credit Union | Spokane Valley | $1.37B | $140.8M | $78.0M |
| Gesa Credit Union | Richland | $1.21B | $143.4M | $95.3M |
| STCU | Liberty Lake | $893.7M | $12.0M | $99.4M |
| Sound Credit Union | Tacoma | $825.1M | $36.9M | $56.2M |
| WSECU | Olympia | $665.6M | None reported | $75.5M |
| Whatcom Educational Credit Union | Bellingham | $614.0M | $110.2M | $57.2M |
| Harborstone Credit Union | Tacoma | $548.1M | $22.5M | $43.9M |
| Columbia Community Credit Union | Vancouver | $495.5M | $36.1M | $51.7M |
| HAPO Community Credit Union | Richland | $493.7M | $56.0M | $50.1M |
| Peak Credit Union | Olympia | $455.6M | $1.7M | $72.1M |
| iQ Credit Union | Vancouver | $386.7M | $56.0M | $37.1M |
| Seattle Metropolitan Credit Union | Seattle | $298.5M | None reported | $20.2M |
| Solarity Credit Union | Yakima | $266.3M | None reported | $21.2M |
| Red Canoe Credit Union | Longview | $248.6M | $39.7M | $22.3M |
| America's Credit Union | Dupont | $186.6M | $17.4M | $11.3M |
| Fibre Federal Credit Union | Longview | $167.6M | $1.9M | $37.4M |
| O BEE Credit Union | Lacey | $105.7M | None reported | $8.6M |
| TAPCO Credit Union | Fircrest | $98.4M | None reported | $11.2M |
| North Coast Credit Union | Bellingham | $87.5M | $12.4M | $8.8M |
The remaining 34 credit unions with an office in Washington that report commercial real estate lending:
- Kitsap Credit Union — Bremerton
- Verity Credit Union — Seattle
- Salal Credit Union — Seattle
- Horizon Credit Union — Spokane Valley
- Cascade Federal Credit Union — Kent
- People's Community Federal Credit Union — Vancouver
- WCLA Credit Union — Olympia
- Great Northwest Federal Credit Union — Aberdeen
- Our Community Credit Union — Shelton
- Qualstar Credit Union — Bothell
- Sno Falls Credit Union — North Bend
- Spokane Firefighters Credit Union — Spokane
- Newrizons Federal Credit Union — Hoquiam
- Industrial Cu of Whatcom County Credit Union — Bellingham
- First Technology Federal Credit Union — San Jose
- Global Credit Union — Anchorage
- Idaho Central Credit Union — Chubbuck
- OnPoint Community Credit Union — Portland
- Potlatch No. 1 Financial Credit Union — Lewiston
- Unitus Community Credit Union — Tigard
- Rivermark Community Credit Union — Oregon City
- Navy Federal Credit Union — Vienna
- Nuvision Federal Credit Union — Huntington Beach
- Meriwest Credit Union — San Jose
- Firefighters First Federal Credit Union — Los Angeles
- Self-Help Federal Credit Union — Durham
- Credit Human Federal Credit Union — San Antonio
- Ukrainian Federal Credit Union — Rochester
- Operating Engineers Local Union #3 Federal Credit Union — Livermore
- Lewis Clark Credit Union — Lewiston
- South Bay Credit Union — Redondo Beach
- Pacific NW Federal Credit Union — Portland
- Delta Schools Federal Credit Union — Antioch
- Governmental Employees Credit Union — La Crosse