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 |
|---|---|---|---|---|
| Landmark Credit Union | Brookfield | $2.19B | $51.2M | $126.5M |
| Community First Credit Union | Appleton | $1.80B | $165.4M | $131.8M |
| Royal Credit Union | Eau Claire | $1.46B | $88.0M | $96.1M |
| Summit Credit Union | Madison | $832.7M | $48.9M | $132.2M |
| Fox Communities Credit Union | Appleton | $819.6M | $52.3M | $54.2M |
| Covantage Credit Union | Antigo | $793.1M | $98.7M | $61.6M |
| Altra Federal Credit Union | Onalaska | $416.5M | $52.7M | $59.7M |
| Verve, a Credit Union | Oshkosh | $382.6M | $6.3M | $23.3M |
| Westconsin Credit Union | Menomonie | $334.0M | $50.2M | $43.6M |
| Westby Co-Op Credit Union | Westby | $296.7M | $5.4M | $24.0M |
| University of Wisconsin Credit Union | Madison | $236.4M | None reported | $92.8M |
| Capital Credit Union | Green Bay | $158.5M | $32.1M | $51.6M |
| Educators Credit Union | Racine | $156.7M | $1.9M | $83.2M |
| Co-Op Credit Union | Black River Falls | $66.7M | $239,337 | $10.9M |
| Kohler Credit Union | Sheboygan | $65.6M | $3.1M | $12.6M |
| Heartland Credit Union | Madison | $48.7M | $266,444 | $11.7M |
| Blackhawk Community Credit Union | Janesville | $48.3M | None reported | $15.3M |
| Superior Choice Credit Union | Superior | $41.3M | None reported | $8.3M |
| Simplicity Credit Union | Marshfield | $36.9M | $639,787 | $8.1M |
| Unitedone Credit Union | Manitowoc | $31.1M | $1.1M | $6.2M |
The remaining 38 credit unions with an office in Wisconsin that report commercial real estate lending:
- Unison Credit Union — Kaukauna
- Park City Credit Union — Merrill
- Firefighters Credit Union — Onalaska
- Prospera Credit Union — Appleton
- Fort Community Credit Union — Fort Atkinson
- Shoreline Credit Union — Two Rivers
- 1st Community Credit Union — Sparta
- First Community Cu of Beloit Credit Union — Beloit
- Members' Advantage Credit Union — Wisconsin Rapids
- Arcadia Credit Union — Arcadia
- Cloverbelt Credit Union — Wausau
- Premier Financial Credit Union — New Holstein
- Glacier Hills Credit Union — West Bend
- Forward Financial Credit Union — Niagara
- Prime Financial Credit Union — Cudahy
- Marine Credit Union — La Crosse
- Tomah Area Credit Union — Tomah
- Sheboygan Area Credit Union — Sheboygan
- Ripco Credit Union — Rhinelander
- Taylor Credit Union — Medford
- Guardian Credit Union — Oak Creek
- Valley Communities Credit Union — Mosinee
- Connexus Credit Union — Wausau
- County - City Credit Union — Jefferson
- Governmental Employees Credit Union — La Crosse
- Wings Credit Union — Colorado Springs
- Trustone Financial Credit Union — Plymouth
- Credit Union 1 — Lombard
- Dupaco Community Credit Union — Dubuque
- Advia Credit Union — Kalamazoo
- Baxter Credit Union — Vernon Hills
- Empeople Credit Union — Moline
- Self-Help Federal Credit Union — Durham
- Harbor Pointe Credit Union — Duluth
- Centricity Credit Union — Hermantown
- Red Crown Federal Credit Union — Tulsa
- Mayo Employees Federal Credit Union — Rochester
- TruNorthern Federal Credit Union — Malone