Spreadsheet: bf04bc43-1188-42ee-b68d-87522f476335
Sheet: Sheet1

Unnamed: 0 | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5 | Unnamed: 6 | Unnamed: 7 | Unnamed: 8 | Unnamed: 9 | Unnamed: 10 | Unnamed: 11 | Unnamed: 12 | Unnamed: 13 | Unnamed: 14 | Unnamed: 15 | Unnamed: 16 | Unnamed: 17
 | 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 South Dakota CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 152937532 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 8751371.750000002 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 7001097.539999999 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 76.098885 |  | 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
29141 | Dakotaland FCU | Huron | SD | 00 | [NAME] | 0.0817 | 230605322 | 20263 | 46209127 | 0.200382 | 28249152 | 1.63577 | 63416464 | 103734776 | 0 | 0 | 0
29146 | Black Hills FCU | Rapid City | SD | 00 | [NAME] | 0.1013 | 980793764 | 54343 | 43547144 | 0.0444 | 120147240 | 0.362448 | 269718272 | 97758896 | 0 | 0 | 0
29159 | Sentinel Federal Credit Union | Ellsworth Afb | SD | 00 | [NAME] | 0.0982 | 59508635 | 6835 | 11988255 | 0.201454 | 7289808 | 1.644523 | 16364875 | 26912410 | 0 | 0 | 0
29184 | Dakota Plains FCU | [NAME] | SD | 00 | [NAME] | 0.0828 | 45983939 | 4576 | 11958760 | 0.260064 | 5633032.5 | 2.12297 | 12645583 | 26846196 | 0 | 0 | 0
29211 | Highmark FCU | Rapid City | SD | 00 | [NAME] | 0.0819 | 92614257 | 9087 | 7218516 | 0.077942 | 11345246 | 0.636259 | 25468920 | 16204832 | 0 | 0 | 0
29200 | Service First FCU | [NAME] | SD | 00 | [NAME] | 0.0643 | 130628055 | 14568 | 6788203 | 0.051966 | 16001937 | 0.424211 | 35922716 | 15238823 | 4225310 | 3380248 | 36.741826
29138 | Aberdeen FCU | Aberdeen | SD | 00 | [NAME] | 0.0924 | 106907117 | 10506 | 5941088 | 0.055572 | 13096122 | 0.453652 | 29399458 | 13337136 | 0 | 0 | 0
29147 | Norstar FCU | Britton | SD | 00 | [NAME] | 0.1056 | 35687574 | 1947 | 5725757 | 0.160441 | 4371728 | 1.309724 | 9814083 | 12853740 | 0 | 0 | 0
29231 | [NAME] FCU | [NAME] | SD | 00 | [NAME] | 0.0995 | 207628382 | 27000 | 5406597 | 0.02604 | 25434476 | 0.21257 | 57097804 | 12137259 | 3365330.8 | 2692264.8 | 29.263746
29140 | First Century FCU | [NAME] | SD | 00 | [NAME] | 0.0981 | 18977202 | 1739 | 2389504 | 0.125914 | 2324707.2 | 1.027873 | 5218730.5 | 5364192.5 | 0 | 0 | 0
29241 | Dakota Star FCU | Rapid City | SD | 00 | [NAME] | 0.0832 | 19196366 | 3846 | 1083060 | 0.05642 | 2351554.8 | 0.460572 | 5279000.5 | 2431359.2 | 0 | 0 | 0
29154 | United Methodist First Choice FCU | Rapid City | SD | 00 | [NAME] | 0.0649 | 4446972 | 1134 | 633947 | 0.142557 | 544754.06 | 1.163731 | 1222917.2 | 0 | 0 | 0 | 0
38035 | HealthCare Plus FCU | Aberdeen | SD | 00 | Guy Trenhaile | 0.0736 | 39445728 | 4072 | 626709 | 0.015888 | 4832101.5 | 0.129697 | 10847575 | 1406897.8 | 390094.38 | 312075.5 | 3.392125
29227 | Voyage FCU | [NAME] | SD | 00 | [NAME] | 0.0974 | 72217745 | 9804 | 557830 | 0.007724 | 8846674 | 0.063055 | 19859880 | 1252271.4 | 347220.72 | 277776.56 | 3.019311
29168 | Mitchell Area FCU | Mitchell | SD | 00 | [NAME] | 0.1067 | 22682337 | 1889 | 481614 | 0.021233 | 2778586.2 | 0.173331 | 6237642.5 | 1081174.2 | 0 | 0 | 0
29249 | Services Center FCU | Yankton | SD | 00 | [NAME] | 0.0868 | 47808700 | 6335 | 425228 | 0.008894 | 5856566 | 0.072607 | 13147393 | 954593.5 | 0 | 0 | 0
37163 | Consumers FCU | Gregory | SD | 00 | [NAME] | 0.0733 | 10536381 | 965 | 392960 | 0.037296 | 1290706.6 | 0.304453 | 2897504.8 | 882155.1 | 0 | 0 | 0
29197 | M-O FCU | Huron | SD | 00 | [NAME] | 0.1255 | 24343844 | 1987 | 346830 | 0.014247 | 2982121 | 0.116303 | 6694557 | 778597.94 | 0 | 0 | 0
29234 | Coteau Valley FCU | Sisseton | SD | 00 | [NAME] | 0.1362 | 7413266 | 1084 | 321822 | 0.043412 | 908125.06 | 0.354381 | 2038648.1 | 722457.56 | 0 | 0 | 0
29163 | Northern Hills FCU | Sturgis | SD | 00 | [NAME] | 0.0804 | 49038815 | 6219 | 297579 | 0.006068 | 6007255 | 0.049537 | 13485674 | 668034.5 | 0 | 0 | 0
29175 | Huron Area Education FCU | Huron | SD | 00 | [NAME] | 0.0493 | 14274828 | 1023 | 191036 | 0.013383 | 1748666.4 | 0.109247 | 3925577.8 | 0 | 0 | 0 | 0
29137 | Consolidated Hub-Co FCU | Aberdeen | SD | 00 | [NAME] | 0.0456 | 5202573 | 1131 | 190396 | 0.036597 | 637315.2 | 0.298747 | 1430707.6 | 0 | 0 | 0 | 0
29229 | Sioux Empire FCU | [NAME] | SD | 00 | [NAME] | 0.0781 | 84997487 | 10371 | 158302 | 0.001862 | 10412192 | 0.015204 | 23374308 | 355371.84 | 98534.92 | 78827.94 | 0.856825
29164 | Fort Randall FCU | Pickstown | SD | 00 | [NAME] | 0.0806 | 16576487 | 2152 | 57268 | 0.003455 | 2030619.6 | 0.028202 | 4558534 | 128560.81 | 0 | 0 | 0
01577 | Lakota FCU | [NAME] | SD | 00 | [NAME] | 0.0445 | 1497769 | 528 | 0 | 0 | 183476.7 | 0 | 411886.47 | 0 | 0 | 0 | 0
29143 | Simply Service FCU | [NAME] | SD | 00 | [NAME] | 0.1171 | 15911154 | 2621 | 0 | 0 | 1949116.4 | 0 | 4375567.5 | 159111.55 | 0 | 0 | 0
29144 | Med5 Federal Credit Union | Rapid City | SD | 00 | [NAME] | 0.0653 | 47707742 | 4403 | 0 | 0 | 5844198.5 | 0 | 13119629 | 477077.4 | 0 | 0 | 0
29153 | Dacotah FCU | Rapid City | SD | 00 | Teresa Peregrine | 0.0876 | 10740947 | 1234 | 0 | 0 | 1315766 | 0 | 2953760.5 | 107409.47 | 0 | 0 | 0
29157 | Minuteman Community FCU | Rapid City | SD | 00 | [NAME] | 0.0976 | 12376589 | 1296 | 0 | 0 | 1516132.1 | 0 | 3403562 | 123765.89 | 0 | 0 | 0
29158 | East River FCU | [NAME] | SD | 00 | [NAME] | 0.0788 | 28444984 | 3001 | 0 | 0 | 3484510.5 | 0 | 7822370.5 | 284449.84 | 0 | 0 | 0
29174 | Huron CNW FCU | Huron | SD | 00 | Lavon Poulisse | 0.081 | 6215291 | 762 | 0 | 0 | 761373.1 | 0 | 1709205 | 62152.91 | 0 | 0 | 0
29177 | HB Telco FCU | Huron | SD | 00 | [NAME] | 0.0944 | 4550308 | 956 | 0 | 0 | 557412.75 | 0 | 1251334.8 | 45503.08 | 0 | 0 | 0
29183 | Dakota Territory FCU | Deadwood | SD | 00 | [NAME] | 0.0866 | 29302495 | 3055 | 0 | 0 | 3589555.8 | 0 | 8058186 | 293024.94 | 0 | 0 | 0
29205 | Palace City FCU | Mitchell | SD | 00 | Georgia Holt | 0.1142 | 10260867 | 1716 | 0 | 0 | 1256956.2 | 0 | 2821738.5 | 102608.67 | 0 | 0 | 0
29209 | OAHE FCU | [NAME] | SD | 00 | [NAME] | 0.1303 | 18271443 | 2675 | 0 | 0 | 2238251.8 | 0 | 5024647 | 182714.44 | 91357.22 | 73085.77 | 0.794411
29212 | Rapid City Telco FCU | Rapid City | SD | 00 | [NAME] | 0.0432 | 43048065 | 5649 | 0 | 0 | 5273388 | 0 | 11838218 | 0 | 0 | 0 | 0
29218 | Rushmore Electric FCU | Rapid City | SD | 00 | [NAME] | 0.1092 | 21842616 | 1718 | 0 | 0 | 2675720.5 | 0 | 6006719.5 | 218426.16 | 109213.08 | 87370.46 | 0.949679
29233 | Sioux Valley Coop FCU | Watertown | SD | 00 | [NAME] | 0.1957 | 13220079 | 1937 | 0 | 0 | 1619459.6 | 0 | 3635521.8 | 132200.8 | 0 | 0 | 0
29235 | SODES FCU | Aberdeen | SD | 00 | [NAME] | 0.0828 | 3008212 | 459 | 0 | 0 | 368505.97 | 0 | 827258.3 | 30082.12 | 0 | 0 | 0
29242 | Vermillion FCU | Vermillion | SD | 00 | [NAME] | 0.1129 | 14832900 | 2191 | 0 | 0 | 1817030.2 | 0 | 4079047.5 | 148329 | 0 | 0 | 0
29246 | Avanti FCU | Watertown | SD | 00 | [NAME] | 0.1254 | 14743460 | 2291 | 0 | 0 | 1806073.9 | 0 | 4054451.5 | 147434.6 | 0 | 0 | 0
29247 | Glacial Lakes Educational Employees FCU | Watertown | SD | 00 | [NAME] | 0.0906 | 1104721 | 286 | 0 | 0 | 135328.33 | 0 | 303798.28 | 11047.21 | 0 | 0 | 0
34959 | Good Samaritan FCU | [NAME] | SD | 00 | [NAME] | 0.2048 | 24862127 | 10357 | 0 | 0 | 3045610.5 | 0 | 6837085 | 248621.27 | 124310.63 | 99448.51 | 1.080962
38577 | Sisseton-Wahpeton FCU | Agency Vlg | SD | 00 | Darrell Quinn | 0.188 | 4414043 | 2070 | 0 | 0 | 540720.25 | 0 | 1213861.9 | 44140.43 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 2653871588 | 252081 | 152937532 | 0.05762808294551138 | 325099273.22 | 0.4704333248278432 | 729814674.0499998 | 343867834.13 | 8751371.750000002 | 7001097.539999999 | 76.098885
State Totals |  |  |  |  |  |  | 2653871588 | 252081 | 152937532 | 0.05762808294551138 | 325099273.22 | 0.4704333248278432 | 729814674.0499998 | 343867834.13 | 8751371.750000002 | 7001097.539999999 | 76.098885