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, and the rows are ordered by the size of its commercial real estate book. Those balances are institution-wide and are not apportioned to this state, so a credit union headquartered elsewhere is tagged with its home state and its figure covers its whole book, not its lending here.
| Credit union | Location | CRE on the books | Construction | Regulatory lending ceiling |
|---|---|---|---|---|
| CommunityAmerica Credit Union | LenexaHQ KS | $1.23B | $128.4M | $134.4M |
| REV Federal Credit Union | CharlestonHQ SC | $266.8M | $33.8M | $25.5M |
| Patriot Federal Credit Union | ChambersburgHQ PA | $135.9M | $14.0M | $23.1M |
| Desco Federal Credit Union | PortsmouthHQ OH | $76.9M | $2.3M | $9.7M |
| First Peoples Community Federal Credit Union | CumberlandHQ MD | $53.2M | $7.2M | $13.6M |
| Bayer Heritage Federal Credit Union | New Martinsville | $35.0M | $2.5M | $11.9M |
| First Choice America Community Federal Credit Union | Weirton | $18.5M | None reported | $19.4M |
| Chessie Federal Credit Union | CumberlandHQ MD | $16.6M | None reported | $9.0M |
| Fairmont Federal Credit Union | Fairmont | $6.3M | None reported | $8.8M |
| The United Federal Credit Union | Morgantown | $4.1M | None reported | $4.5M |
| Members Choice WV Federal Credit Union | Charleston | $3.3M | None reported | $3.0M |
| West Virginia Central Federal Credit Union | Parkersburg | $3.0M | None reported | $6.8M |
| Ohio Valley Community Federal Credit Union | ClaringtonHQ OH | $1.9M | None reported | $4.9M |
| West Virginia Federal Credit Union | South Charleston | $1.8M | None reported | $3.9M |
| Peoples Federal Credit Union | Nitro | $897,790 | None reported | $3.2M |
| Justice Federal Credit Union | ChantillyHQ VA | $781,022 | None reported | $20.7M |
| Star USA Federal Credit Union | Charleston | $609,450 | None reported | $2.4M |
| Pioneer Appalachia Federal Credit Union | Charleston | $586,350 | None reported | $4.1M |
| Celco Community Federal Credit Union | NarrowsHQ VA | $260,620 | None reported | $4.5M |
| Act 1st Federal Credit Union | LavaleHQ MD | $157,476 | None reported | $1.8M |