Spreadsheet: a89ebcd6-40bb-4319-baa7-a18c12f14864
Sheet: Sheet1

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 | Estimated 1st-Year Increases in Member Business Lending at Credit Unions
 | By Congressional District of CU Main Office
 | Data source: NCUA and CUNA E&S.  Data as of March 2013
 | Asumptions:  1. Grandfathered CUs, Non-Federally Insured and/or Low Income Designated do not increase lending;
 | 2. Non-MBL lenders lend in amount equal to 1% of assets on average under the new authority;
 | 3. All other MBL CUs lend in amount equal to their current use rate;
 | 4. Estimates produced using assumptions 1-3 are further adjusted as follows:
 | * CUs with net worth/assets <=6% are assumed to have no MBL growth
 | * CUs with net worth/assets between 6% and 7% remain at the current 12.25% cap.
 | * CUs with MBL/assets >= 10% are limited to a 30% increase in MBLs in the 1st year.
 | 5. First year increases: baseline estimate = 50% of new use rate; adjusted/conservative estimate = 40% of new use rate.
 | 6. Employment increase is based on Council of Economic Advisors 5/09 ARRA job creation estimates ($92,000 in spending creates 1 job)
 |  | All Nevada CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 217054904 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 39403645.97499999 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 36501843.28300001 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 396.759162 |  | 147960.7540950003 |  |  |  |  |  |  |  |  |  |  | First Year | First Year
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Change | Change
 |  |  |  |  |  |  |  |  |  |  | Current | Percent | New | New | in MBLs | in MBLs | Estimated
 |  |  |  |  |  |  |  |  |  |  | Authority @ | "Used" | Authority @ | Assumed | Outstanding | Outstanding | Additional
CUID | Name of CU Headquartered in Dist. | City | State | District | CEO | Net Worth | Assets | Members | MBLs Outstanding | MBLs / Assets | 0.1225 | @ 12.25% | 0.275 | Use | (use @ 50%) | (use @ 40%) | Employment
22604 | One Nevada CU | Las Vegas | NV | 01 | Bradley Beal | 0.0975 | 689672069 | 75334 | 82982105 | 0.120321 | 84484832 | 0.982213 | 189659824 | 186286352 | 24894632 | 24894632 | 270.593821
22596 | Plus CU | Las Vegas | NV | 01 | [NAME] | 0.1017 | 82110218 | 12939 | 0 | 0 | 10058502 | 0 | 22580310 | 821102.2 | 0 | 0 | 0
22598 | Las Vegas UP EFCU | Las Vegas | NV | 01 | [NAME] | 0.3117 | 4720844 | 952 | 0 | 0 | 578303.4 | 0 | 1298232.1 | 47208.44 | 23604.22 | 18883.377 | 0.205254
22627 | Stage EFCU | Las Vegas | NV | 01 | [NAME] | 0.0523 | 13645566 | 1280 | 0 | 0 | 1671581.9 | 0 | 3752530.8 | 0 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 790148697 | 90505 | 82982105 | 0.1050208717866176 | 96793219.30000001 | 0.8573132043764969 | 217290896.9 | 187154662.64 | 24918236.22 | 24913515.377 | 270.799075
22608 | Greater Nevada CU | Carson City | NV | 02 | [NAME] | 0.0908 | 459028525 | 45293 | 12778654 | 0.027838 | 56230996 | 0.227253 | 126232848 | 28686774 | 7954060 | 6363248 | 69.16574
22590 | Elko FCU | Elko | NV | 02 | [NAME] | 0.0888 | 131220425 | 12876 | 4527474 | 0.034503 | 16074502 | 0.281656 | 36085616 | 10163717 | 2818121.5 | 2254497.2 | 24.505405
22620 | Sierra Pacific FCU | Reno | NV | 02 | [NAME] | 0.1255 | 102061742 | 8299 | 3583579 | 0.035112 | 12502563 | 0.286628 | 28066980 | 8044769 | 2230595 | 1784476.1 | 19.396479
22613 | Great Basin FCU | Reno | NV | 02 | [NAME] | 0.087 | 126995396 | 16418 | 1424675 | 0.011218 | 15556936 | 0.091578 | 34923732 | 3198250 | 886787.5 | 709430 | 7.711196
22583 | Churchill County FCU | Fallon | NV | 02 | Teresa Black | 0.1442 | 44696219 | 2321 | 50803 | 0.001137 | 5475287 | 0.009279 | 12291460 | 114047.555 | 31622.275 | 25297.82 | 0.274976
22614 | Reno City EFCU | Reno | NV | 02 | [NAME] | 0.0872 | 29713771 | 2604 | 0 | 0 | 3639937 | 0 | 8171287 | 297137.72 | 148568.86 | 118855.086 | 1.291903
22640 | Frontier Financial CU | Reno | NV | 02 | [NAME] | 0.052 | 72883822 | 7725 | 0 | 0 | 8928268 | 0 | 20043052 | 0 | 0 | 0 | 0
37602 | EW No 401 CU | Reno | NV | 02 | [NAME] | 0.111 | 8685410 | 740 | 0 | 0 | 1063962.8 | 0 | 2388487.8 | 86854.1 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 975285310 | 96276 | 22365185 | 0.02293194080817233 | 119472451.8 | 0.187199514725285 | 268203462.8 | 50591549.375 | 14069755.135 | 11255804.206 | 122.345699
22582 | Boulder Dam CU | Boulder City | NV | 03 | [NAME] | 0.0864 | 472973397 | 21119 | 34167989 | 0.072241 | 57939240 | 0.589721 | 130067688 | 76703648 | 0 | 0 | 0
22585 | Silver State Schools CU | Las Vegas | NV | 03 | [NAME] | 0.0433 | 644407442 | 56207 | 5106382 | 0.007924 | 78939912 | 0.064687 | 177212048 | 0 | 0 | 0 | 0
36375 | Weststar CU | Las Vegas | NV | 03 | [NAME] | 0.1135 | 138330497 | 22984 | 667773 | 0.004827 | 16945486 | 0.039407 | 38040888 | 1499082.2 | 415654.62 | 332523.7 | 3.614388
District Totals |  |  |  |  |  |  | 1255711336 | 100310 | 39942144 | 0.03180838052098305 | 153824638 | 0.2596602502649803 | 345320624 | 78202730.2 | 415654.62 | 332523.7 | 3.614388
22584 | Clark County CU | Las Vegas | NV | 04 | [NAME] | 0.0911 | 496560428 | 32866 | 64496414 | 0.129886 | 60828652 | 1.060297 | 136554112 | 144787872 | 0 | 0 | 0
22603 | Financial Horizons CU | Hawthorne | NV | 04 | [NAME] | 0.0955 | 142717698 | 10165 | 6838920 | 0.047919 | 17482918 | 0.391177 | 39247368 | 15352678 | 0 | 0 | 0
22611 | Pahranagat Valley FCU | Alamo | NV | 04 | [NAME] | 0.0937 | 18507917 | 1909 | 430136 | 0.023241 | 2267219.8 | 0.18972 | 5089677 | 965611.44 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 657786043 | 44940 | 71765470 | 0.1091015395715838 | 80578789.8 | 0.89062481799646 | 180891157 | 161106161.44 | 0 | 0 | 0
State Totals |  |  |  |  |  |  | 3678931386 | 332031 | 217054904 | 0.05899944337803967 | 450669098.9 | 0.4816281048108044 | 1011706140.7 | 477055103.655 | 39403645.97499999 | 36501843.283 | 396.759162