Unverified listing What this means
The Lender Report built this page from public records. National Institutes of Health Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about National Institutes of Health Credit Union itself. Each figure shows its source and date. Work at National Institutes of Health Credit Union? You can claim this page for free.
Credit union, Rockville, MD
National Institutes of Health Credit Union
A credit union based in Rockville, MD. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $97.1M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 7
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 9
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $817M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 301-718-0208 From the NCUA record, June 30, 2026.
- Website
- www.nihfcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- nihfcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- NATIONAL INSTITUTES OF HEALTH; NIH Federal Credit Union; NIH FEDERAL CREDIT UNION; National Institutes of Health Federal Credit UnionNCUA 5300,
- Address
- PO Box 6475, Rockville, MD 20849NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily health care.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. National Institutes of Health Credit Union's Multifamily balance rose 27.9% to $29M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 6 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 31.4% to $29M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Wisconsin | SBA 7(a), Site Preparation Contractors | $280K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Site Preparation Contractors | $75K | 8.75% | 10 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Sports and Recreation Instruction | $75K | 9% | 10 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), Sports and Recreation Instruction | $75K | 9% | 10 yr | SBA FOIA | |
| Jul 2025 | Maryland | SBA 7(a), Offices of Optometrists | $840K | 9% | 25 yr | SBA FOIA | |
| Jul 2025 | Maryland | SBA 7(a), Offices of Optometrists | $260K | 10% | 10 yr | SBA FOIA | |
| Apr 2025 | Tennessee | SBA 7(a), Sports and Recreation Instruction | $50K | 10% | 10 yr | SBA FOIA | |
| May 2024 | Virginia | SBA 7(a), Sports and Recreation Instruction | $250K | 11% | 10 yr | SBA FOIA | |
| Mar 2024 | Tennessee | SBA 7(a), Sports and Recreation Instruction | $50K | 11% | 10 yr | SBA FOIA | |
| 9 SBA 7(a) loans since October 2023, net of cancelled | $1.95M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names National Institutes of Health Credit Union as the lender, totaling $3.20M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Industrial | 1 | $3.20M |
| Borough | Mortgages |
|---|---|
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $29.0M | 5.8% | +31.4% | 25 | $1.16M |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $16.4M | 3.3% | -17.4% | 34 | $482K |
| Non-owner-occupied CRE | $51.2M | 10.2% | -3.4% | 37 | $1.38M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $537K | 0.1% | Not reported | 8 | $67.1K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $97.1M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $67.5M |
| Q4 2023 | $75.9M |
| Q1 2024 | $76.2M |
| Q2 2024 | $79.2M |
| Q3 2024 | $82.9M |
| Q4 2024 | $83.9M |
| Q1 2025 | $94.6M |
| Q2 2025 | $95.4M |
| Q3 2025 | $98.9M |
| Q4 2025 | $94.3M |
| Q1 2026 | $93.8M |
| Q2 2026 | $97.1M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 16 | $5.62M | $340K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 9 | $1.95M | $75.0K | $840K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 4 | $500K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 7 | $7.08M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 5 | $6.96M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 2 | $118K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Multifamily | $1.16M |
| Owner-occupied CRE | $482K |
| Non-owner-occupied CRE | $1.38M |
| Commercial and industrial | $67.1K |
| Industry | Loans | Dollars |
|---|---|---|
| Sports and Recreation Instruction | 5 | $500K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Maryland HQ | 8 | 0 | 11 | 2 | 0 |
| Virginia | 0 | 0 | 3 | 1 | 0 |
| Florida | 0 | 0 | 0 | 2 | 0 |
| Tennessee | 0 | 0 | 0 | 2 | 0 |
| Wisconsin | 0 | 0 | 0 | 2 | 0 |
| District of Columbia | 0 | 0 | 1 | 0 | 0 |
| West Virginia | 0 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $100M | $54.3M to $155M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $87.8M | $9.21M to $117M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 87.7% | 16.1% to 116.7% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $9.71M | $6.62M to $24.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 123.9% | 48.2% to 122.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 61.7% | 58.0% to 76.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 6 loans
- Approval to first disbursement
- 14 days, median of 7
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Point Breeze Credit Union | MD | $1.06B | $116M |
| Securityplus Credit Union | MD | $597M | $126M |
| Fedchoice Credit Union | MD | $469M | $59.1M |
| First Peoples Community Credit Union | MD | $666M | $88.8M |
| Cedar Point Credit Union | MD | $906M | $85.5M |
| Mid-Atlantic Credit Union | MD | $443M | $57.7M |
| Freedom of Maryland Credit Union | MD | $557M | $70.9M |
| Municipal Empl.credit Union of Balt | MD | $1.27B | $181M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. National Institutes of Health Credit Union, NCUA charter 3601. Compare it with the regulator's record. [NCUA profile]
- Balances. $817M in total assets and $97.1M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 7 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 25 loans in HMDA and SBA files, through September 30, 2026: 16 HMDA 1-4 unit investor 2025, 9 SBA 7(a) in 36 months. [How each file was tied to National Institutes of Health Credit Union]
- Phone and website. Phone 301-718-0208, from the NCUA record. Website nihfcu.org, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 3601
- RSSD
- 377672
- LEI
- 5493007KLU19FK8PG279
- The Lender Report ID
- lr_001813
- Main office county
- Montgomery
- Members
- 39,317
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $816.7M in total assets as of June 30, 2026 (NCUA 5300).
- Held $97.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $51.2M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $29M of multifamily loans as of June 30, 2026, up 31.4% from a year earlier (NCUA 5300).
- Held $16.4M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 16 1-4 unit investor or business-purpose loans totaling $5.6M in 2025 (HMDA).
6 more sentences
- Recorded 9 SBA 7(a) approvals totaling $1.9M from October 1, 2023 to September 30, 2026 (SBA).
- Originated 7 real-estate-secured commercial loans totaling $7.1M in the first half of 2026 (NCUA 5300).
- Bought $118K of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $13.1M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 8 offices in 1 state (NCUA).
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $3.2M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, National Institutes of Health Credit Union, https://lender.report/lender/national-institutes-of-health-credit-union-md/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at National Institutes of Health Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem