Spreadsheet: 41302f74-967c-498e-89c5-7e725ddeaed8
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 Vermont CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 221223162 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 137815632.035 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 110252504.045 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 1198.396795 |  | 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
31595 | New England FCU | Williston | VT | 00 | [NAME] | 0.1222 | 955954459 | 86084 | 86265982 | 0.090241 | 117104424 | 0.736659 | 262887472 | 193658320 | 53696172 | 42956936 | 466.923239
31590 | NorthCountry FCU | S Burlington | VT | 00 | [NAME] | 0.0798 | 428398109 | 29495 | 36649882 | 0.085551 | 52478768 | 0.698375 | 117809480 | 82275248 | 22812682 | 18250146 | 198.371145
31632 | Vermont State ECU | Montpelier | VT | 00 | [NAME] | 0.0825 | 606334240 | 50373 | 33333459 | 0.054975 | 74275944 | 0.448779 | 166741916 | 74830216 | 20748378 | 16598702 | 180.420674
31600 | Heritage Family FCU | Rutland | VT | 00 | [NAME] | 0.0882 | 349801700 | 37382 | 30109281 | 0.086075 | 42850708 | 0.702655 | 96195464 | 67592264 | 18741492 | 14993193 | 162.969489
31627 | Vermont FCU | Burlington | VT | 00 | [NAME] | 0.0859 | 384540866 | 35697 | 29489772 | 0.076688 | 47106256 | 0.626027 | 105748736 | 66201528 | 18355878 | 14684703 | 159.616335
31610 | River Valley CU | Brattleboro | VT | 00 | [NAME] | 0.073 | 75199692 | 15658 | 2469241 | 0.032836 | 9211962 | 0.268047 | 20679916 | 5543194 | 1536976.5 | 1229581.2 | 13.365013
39706 | Opportunities CU | Winooski | VT | 00 | [NAME] | 0.1379 | 35440570 | 8114 | 2086774 | 0.058881 | 4341470 | 0.480661 | 9746157 | 4684594.5 | 0 | 0 | 0
31583 | One Credit Union | Springfield | VT | 00 | [NAME] | 0.0977 | 134558187 | 16001 | 499526 | 0.003712 | 16483378 | 0.030305 | 37003500 | 1121384.9 | 310929.44 | 248743.56 | 2.703734
31593 | Green Mountain CU | S Burlington | VT | 00 | [NAME] | 0.0639 | 19912439 | 3550 | 291048 | 0.014616 | 2439273.8 | 0.119317 | 5475920.5 | 653373.06 | 181162.53 | 144930.03 | 1.575326
36687 | Bennington E/E FCU | Bennington | VT | 00 | [NAME] | 0.122 | 3554067 | 505 | 28197 | 0.007934 | 435373.22 | 0.064765 | 977368.44 | 63299.387 | 17551.193 | 14040.955 | 0.152619
31572 | Members 1st CU | Brattleboro | VT | 00 | [NAME] | 0.0713 | 13486117 | 1980 | 0 | 0 | 1652049.4 | 0 | 3708682.2 | 134861.17 | 67430.586 | 53944.47 | 0.586353
31578 | Central Vermont Medcl Ctr Inc CU | Montpelier | VT | 00 | Acting CEO | 0.1395 | 10532389 | 1611 | 0 | 0 | 1290217.6 | 0 | 2896407 | 105323.89 | 52661.945 | 42129.555 | 0.45793
31580 | Members Advantage Community CU | [NAME] | VT | 00 | [NAME] | 0.0975 | 79393423 | 11773 | 0 | 0 | 9725694 | 0 | 21833192 | 793934.25 | 396967.12 | 317573.7 | 3.451888
31586 | Covered Bridge CU | Windsor | VT | 00 | [NAME] | 0.0822 | 13630329 | 2903 | 0 | 0 | 1669715.2 | 0 | 3748340.5 | 136303.3 | 68151.65 | 54521.316 | 0.592623
31589 | Northern Lights CU | St Johnsbury | VT | 00 | [NAME] | 0.0815 | 19700953 | 3734 | 0 | 0 | 2413366.8 | 0 | 5417762 | 197009.53 | 98504.766 | 78803.81 | 0.856563
31603 | Granite Hills CU | [NAME] | VT | 00 | [NAME] | 0.1333 | 35875065 | 2951 | 0 | 0 | 4394695.5 | 0 | 9865643 | 358750.66 | 179375.33 | 143500.27 | 1.559785
31604 | Northeast Schools & Hospital CU | Newport | VT | 00 | [NAME] | 0.0809 | 4223214 | 1231 | 0 | 0 | 517343.72 | 0 | 1161383.9 | 42232.14 | 21116.07 | 16892.855 | 0.183618
31608 | ORLEX Government ECU | Newport | VT | 00 | [NAME] | 0.0817 | 5642824 | 1336 | 0 | 0 | 691245.94 | 0 | 1551776.6 | 56428.24 | 28214.12 | 22571.297 | 0.24534
31612 | Rutland Cnty Teachers & Mncpl ECU | Rutland | VT | 00 | [NAME] | 0.0924 | 2519600 | 746 | 0 | 0 | 308651 | 0 | 692890 | 25196 | 12598 | 10078.4 | 0.109548
31619 | St Patricks Parish Credit Union | Fairfield | VT | 00 | [NAME] | 0.1096 | 487064 | 293 | 0 | 0 | 59665.34 | 0 | 133942.6 | 4870.64 | 2435.32 | 1948.256 | 0.021177
31623 | Credit Union of Vermont | Rutland | VT | 00 | [NAME] | 0.1115 | 32404491 | 2749 | 0 | 0 | 3969550.2 | 0 | 8911235 | 324044.9 | 162022.45 | 129617.96 | 1.408891
31634 | Vermont VA FCU | White Riv Jct | VT | 00 | [NAME] | 0.0836 | 22853679 | 2679 | 0 | 0 | 2799575.8 | 0 | 6284761.5 | 228536.8 | 114268.4 | 91414.72 | 0.993638
31637 | White River CU | Rochester | VT | 00 | [NAME] | 0.1044 | 30637287 | 5422 | 0 | 0 | 3753067.8 | 0 | 8425254 | 306372.88 | 153186.44 | 122549.15 | 1.332056
31640 | Windsor County South CU | Springfield | VT | 00 | [NAME] | 0.1458 | 7106806 | 1160 | 0 | 0 | 870583.75 | 0 | 1954371.6 | 71068.06 | 35534.03 | 28427.225 | 0.308992
37126 | PMH CU | Bennington | VT | 00 | [NAME] | 0.1011 | 4388829 | 1268 | 0 | 0 | 537631.56 | 0 | 1206928 | 43888.29 | 21944.145 | 17555.316 | 0.190819
District Totals |  |  |  |  |  |  | 3276576399 | 324695 | 221223162 | 0.06751655846252098 | 401380610.6300001 | 0.5511555768794411 | 901058499.8400002 | 499452242.597 | 137815632.035 | 110252504.045 | 1198.396795
State Totals |  |  |  |  |  |  | 3276576399 | 324695 | 221223162 | 0.06751655846252098 | 401380610.6300001 | 0.5511555768794411 | 901058499.8400002 | 499452242.597 | 137815632.035 | 110252504.045 | 1198.396795