Spreadsheet: 06b472f8-67f3-4ab3-9f7e-5f49493b79dd
Sheet: Sheet1

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 | Estimated 1st-Year Increases in Member Business Lending at Credit Unions
 | 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 US CU's
 | Current total CU MBLs outstanding = |  |  | 43925044787
 | Proposed new authority (% of assets) = |  |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): |  |  | 16603552292.97001
 | Adjusted/conservative estimate (40% Use): |  |  | 13612389402.58
 |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase |  |  | 147960.78 |  | First Year | First Year
 | in CU MBLs) |  |  |  |  | Change | Change
 |  |  |  |  |  | in MBLs | in MBLs | Estimated
 |  |  |  |  |  | Outstanding | Outstanding | Additional
 | State | Assets | Members | MBLs Outstanding | MBLs / Assets | (use @ 50%) | (use @ 40%) | Employment
 | Alaska | 7635380666 | 691930 | 444070782 | 0.05815961265394754 | 244895254.75 | 195916209.65 | 2129.52
 | Alabama | 18336419232 | 1853071 | 485615694 | 0.02648367098590997 | 139905054.48 | 111924043.17 | 1216.57
 | Arkansas | 2536336486 | 324244 | 5811960 | 0.002291478292442937 | 3903061.73 | 3122449.45 | 33.94
 | Arizona | 13260378945 | 1428227 | 480705649 | 0.03625127539671529 | 229809844.94 | 194966079.86 | 2119.2
 | California | 139259165103 | 9597158 | 7462448786 | 0.05358676953492118 | 3108724286.04 | 2548070757.77 | 27696.42
 | Colorado | 17508094693 | 1502036 | 599140479 | 0.03422076984993378 | 363799697.41 | 291039758.54 | 3163.48
 | Connecticut | 9347595354 | 862547 | 93193546 | 0.009969788215117896 | 83206107.87 | 66564887.28 | 723.53
 | District of Columbia | 6575619404 | 324719 | 21112611 | 0.003210741027249393 | 19679172.63 | 15743337.96 | 171.12
 | Delaware | 2011349239 | 208025 | 11483925 | 0.00570956290301408 | 11081282.77 | 8865026.38 | 96.36
 | Florida | 48470601804 | 4728813 | 1371754307 | 0.02830074841131428 | 561881760.04 | 453021236.17 | 4924.14
 | Georgia | 19233411543 | 1950064 | 858587430 | 0.04464041275675208 | 422911156.76 | 339887335.25 | 3694.43
 | Hawaii | 9671747860 | 803436 | 392256762 | 0.04055696733185929 | 171079967.94 | 141519480.48 | 1538.26
 | Iowa | 11966903782 | 1042111 | 858619914 | 0.07174954605146001 | 268039610.54 | 233245557.76 | 2535.28
 | Idaho | 5209553596 | 606003 | 121873455 | 0.02339422231754692 | 18056395.25 | 14445116.12 | 157.01
 | Illinios | 37980166025 | 2870400 | 1051687720 | 0.02769044556855646 | 635519185.25 | 509328876.3 | 5536.18
 | Indianna | 21696176648 | 2338712 | 1730854425 | 0.07977693273250307 | 453919588.7 | 369422321.91 | 4015.46
 | Kansas | 5374498434 | 630937 | 153143408 | 0.02849445578608573 | 63660923.24 | 52400071.68 | 569.57
 | Kentucky | 7034937229 | 753375 | 168826459 | 0.02399828932432398 | 73004324.33 | 59399780.05 | 645.65
 | Louisiana | 9625303605 | 1215268 | 172111344 | 0.01788113404657639 | 37083595.4 | 29666876.31 | 322.47
 | Masschusetts | 31707181163 | 2559949 | 1407360131 | 0.044386163619057 | 622416707.95 | 532090092.35 | 5783.59
 | Maryland | 20813538128 | 1780968 | 555765011 | 0.02670209205095896 | 323146915.29 | 260615687.25 | 2832.78
 | Maine | 6057305220 | 629189 | 176925050 | 0.02920854135199084 | 60615248.33 | 48492200.21 | 527.09
 | Michigan | 45984520998 | 4565422 | 1433187304 | 0.03116673334625653 | 605601700.28 | 488948341.01 | 5314.66
 | Minnesota | 18508843338 | 1579475 | 1044533770 | 0.05643430823445873 | 236625132.04 | 192386282.76 | 2091.16
 | Missouri | 11961147541 | 1397902 | 312953946 | 0.02616420748320907 | 175206330.39 | 140165065.16 | 1523.53
 | Mississippi | 4636667188 | 583318 | 59086815 | 0.01274338066638049 | 3435428.11 | 2748342.44 | 29.87
 | Montana | 4270831899 | 388197 | 369495822 | 0.08651612396322977 | 7662975.37 | 6130380.1 | 66.63
 | North Carolina | 39425701396 | 3444949 | 1110126957 | 0.02815744343644397 | 561306435.28 | 455340164.63 | 4949.35
 | North Dakota | 3013612915 | 210754 | 964413837 | 0.3200191478473273 | 23124548.03 | 20712130.57 | 225.13
 | Nebraska | 3759361487 | 446952 | 126305017 | 0.03359746527083576 | 56943499.67 | 45554799 | 495.16
 | New Hampshire | 5872665837 | 527427 | 205539169 | 0.03499929584023427 | 83172140.53 | 75364353.76 | 819.18
 | New Jersey | 12969750173 | 1058435 | 455682462 | 0.03513425130952983 | 253350517.84 | 207055939.53 | 2250.61
 | New Mexico | 8263985200 | 723029 | 434338637 | 0.0525580124465857 | 156446797.11 | 125157439.23 | 1360.41
 | Nevada | 3678931386 | 332031 | 217054904 | 0.05899944337803967 | 39403645.98 | 36501843.28 | 396.76
 | New York | 64380221768 | 4823227 | 5505762481 | 0.08551947057343973 | 1292756454.77 | 1078409118.87 | 11721.84
 | Ohio | 24486408302 | 2732274 | 801896809 | 0.03274864974519365 | 378347230.01 | 304931533.1 | 3314.47
 | Oklahoma | 11914623109 | 1108059 | 244771027 | 0.02054374903517563 | 151811078.99 | 121448863.43 | 1320.1
 | Oregon | 15920535386 | 1425765 | 935710170 | 0.05877378789803973 | 215476208.35 | 175906161.86 | 1912.02
 | Pennsylvania | 38622607303 | 3733660 | 1000397354 | 0.02590185965830159 | 390487089.87 | 331804491.15 | 3606.57
 | Puerto Rico | 610959584 | 72306 | 12931715 | 0.02116623642325905 | 1735.84 | 1388.67 | 0.02
 | Rhode Island | 4808074740 | 332275 | 303373093 | 0.06309658426815554 | 119173701.94 | 108698826.91 | 1181.51
 | South Carolina | 11030928954 | 1421381 | 79643816 | 0.007220046138645451 | 45100983.55 | 36080786.71 | 392.18
 | South Dakota | 2653871588 | 252081 | 152937532 | 0.05762808294551138 | 8751371.75 | 7001097.54 | 76.1
 | Tennessee | 18187554142 | 1900683 | 777972246 | 0.0427749789733107 | 264402182.93 | 218681225.79 | 2376.97
 | Texas | 79239810907 | 7947327 | 2094400286 | 0.026431162089194 | 966827672.84 | 774379423.64 | 8417.17
 | Utah | 16356520164 | 1830341 | 1077013924 | 0.06584615267802876 | 491867858.17 | 400171617.28 | 4349.69
 | Virginia | 96519437209 | 7914403 | 999958274 | 0.01036017514104152 | 634286851.15 | 507429481.75 | 5515.54
 | Vermont | 3276576399 | 324695 | 221223162 | 0.06751655846252098 | 137815632.04 | 110252504.05 | 1198.4
 | Washington | 35775631951 | 2976519 | 1686489889 | 0.04714074349014705 | 792043346.8 | 664332434.23 | 7221
 | Wisconsin | 25596957524 | 2398718 | 2542359832 | 0.09932273511866613 | 534796107.21 | 448257388.78 | 4872.36
 | West Virginia | 3239949482 | 384227 | 63734060 | 0.01967131288746433 | 29536537.12 | 23629229.62 | 256.84
 | Wyoming | 2237089145 | 223111 | 68401629 | 0.03057617491590841 | 31451957.37 | 25161565.83 | 273.5
 | US Totals | 1068515441174 | 95760125 | 43925044787 | 0.0411084791987083 | 16603552292.97001 | 13612389402.58 | 147960.78