Spreadsheet: 4b908c41-08e9-41d9-a8b9-a94e775335fc
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 Maine CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 176925050 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 60615248.33199999 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 48492200.21400001 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 527.0891280000001 |  | 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
18918 | Atlantic Regional FCU | Brunswick | ME | 01 | [NAME] | 0.1325 | 263277359 | 18440 | 16984289 | 0.064511 | 32251476 | 0.526621 | 72401272 | 38127996 | 10571853 | 8457483 | 91.92916
18934 | Evergreen Credit Union | Portland | ME | 01 | [NAME] | 0.0797 | 222574006 | 22952 | 16099296 | 0.072332 | 27265316 | 0.590468 | 61207852 | 36141276 | 10020990 | 8016792.5 | 87.139047
18908 | Ocean Communities FCU | Biddeford | ME | 01 | [NAME] | 0.0795 | 150623256 | 11840 | 9869975 | 0.065528 | 18451348 | 0.534919 | 41421396 | 22157086 | 6143556 | 4914844.5 | 53.422225
18920 | PeoplesChoice CU | Saco | ME | 01 | [NAME] | 0.0896 | 148450288 | 14880 | 7475099 | 0.050354 | 18185160 | 0.411055 | 40823828 | 16780834 | 4652867.5 | 3722294.2 | 40.45972
18783 | Five County CU | Bath | ME | 01 | [NAME] | 0.0746 | 214891680 | 24438 | 7107275 | 0.033074 | 26324230 | 0.26999 | 59095212 | 15955107 | 4423916 | 3539132.8 | 38.468835
18819 | cPort CU | Portland | ME | 01 | [NAME] | 0.0933 | 149805972 | 14029 | 3164889 | 0.021127 | 18351232 | 0.172462 | 41196644 | 7104853 | 1969981.9 | 1575985.5 | 17.130278
18874 | New Dimensions FCU | Waterville | ME | 01 | [NAME] | 0.0725 | 68801117 | 7900 | 2401914 | 0.034911 | 8428137 | 0.284988 | 18920308 | 5392052 | 0 | 0 | 0
18858 | Maine State CU | Augusta | ME | 01 | Normand Dubreuil | 0.121 | 353874537 | 25208 | 2255011 | 0.006372 | 43349632 | 0.052019 | 97315496 | 5062269.5 | 1403629.2 | 1122903.4 | 12.205472
18855 | Casco Federal Credit Union | [NAME] | ME | 01 | [NAME] | 0.1017 | 42584681 | 5392 | 2105682 | 0.049447 | 5216623.5 | 0.403648 | 11710787 | 4727041 | 1310679.6 | 1048543.7 | 11.397214
18926 | Midcoast FCU | Bath | ME | 01 | [NAME] | 0.1179 | 129477772 | 14535 | 1751144 | 0.013525 | 15861027 | 0.110405 | 35606388 | 3931139.5 | 1089997.8 | 871998.25 | 9.478242
18901 | Saco Valley CU | Saco | ME | 01 | [NAME] | 0.0848 | 98806910 | 8404 | 1066264 | 0.010791 | 12103846 | 0.088093 | 27171900 | 2393654 | 663694.94 | 530955.94 | 5.77126
18967 | York County FCU | [NAME] | ME | 01 | [NAME] | 0.0982 | 198647933 | 17327 | 834477 | 0.004201 | 24334372 | 0.034292 | 54628180 | 1873315.8 | 519419.34 | 415535.5 | 4.51669
18919 | Town & Country FCU | S Portland | ME | 01 | [NAME] | 0.087 | 234200022 | 26692 | 651669 | 0.002783 | 28689502 | 0.022715 | 64405008 | 1462930.4 | 405630.72 | 324504.56 | 3.527224
18951 | Infinity Federal Credit Union | Westbrook | ME | 01 | [NAME] | 0.0995 | 268068042 | 14333 | 279212 | 0.001042 | 32838336 | 0.008503 | 73718712 | 626802.44 | 173795.22 | 139036.17 | 1.511263
18774 | Capital Area FCU | Augusta | ME | 01 | [NAME] | 0.1027 | 25271652 | 3552 | 218010 | 0.008627 | 3095777.2 | 0.070422 | 6949704.5 | 489410.22 | 135700.11 | 108560.08 | 1.180001
18948 | Taconnet FCU | Winslow | ME | 01 | [NAME] | 0.0689 | 53025250 | 6770 | 105739 | 0.001994 | 6495593 | 0.016279 | 14581944 | 237373.27 | 0 | 0 | 0
18907 | KV FCU | Augusta | ME | 01 | [NAME] | 0.1001 | 58504969 | 7570 | 77294 | 0.001321 | 7166858.5 | 0.010785 | 16088866 | 173517.14 | 48111.57 | 38489.258 | 0.418361
18772 | Blue Cross Blue Shield of ME EFCU | S Portland | ME | 01 | [NAME] | 0.19 | 6577846 | 860 | 0 | 0 | 805786.1 | 0 | 1808907.6 | 65778.46 | 32889.23 | 26311.385 | 0.285993
18798 | Cumberland County FCU | Falmouth | ME | 01 | [NAME] | 0.1017 | 170034752 | 16972 | 0 | 0 | 20829258 | 0 | 46759556 | 1700347.5 | 850173.75 | 680139 | 7.392815
18804 | Semiconductor of Maine FCU | S Portland | ME | 01 | [NAME] | 0.1291 | 14118989 | 1424 | 0 | 0 | 1729576.1 | 0 | 3882722 | 141189.89 | 70594.945 | 56475.957 | 0.613869
18824 | Trademark FCU | Augusta | ME | 01 | J [NAME] | 0.1223 | 76136884 | 10052 | 0 | 0 | 9326768 | 0 | 20937644 | 761368.8 | 380684.4 | 304547.53 | 3.310299
18841 | KSW FCU | Waterville | ME | 01 | Deseree Gilman | 0.097 | 48634203 | 8296 | 0 | 0 | 5957690 | 0 | 13374406 | 486342.03 | 0 | 0 | 0
18856 | TruChoice FCU | S Portland | ME | 01 | [NAME] | 0.1146 | 85911679 | 10690 | 0 | 0 | 10524181 | 0 | 23625712 | 859116.8 | 429558.4 | 343646.72 | 3.73529
18859 | Maine Education CU | Augusta | ME | 01 | [NAME] | 0.1125 | 32027637 | 4036 | 0 | 0 | 3923385.5 | 0 | 8807600 | 320276.38 | 160138.19 | 128110.55 | 1.392506
18892 | Portland Maine Police Dept FCU | Portland | ME | 01 | [NAME] | 0.0812 | 7963627 | 939 | 0 | 0 | 975544.3 | 0 | 2189997.5 | 79636.27 | 39818.137 | 31854.508 | 0.346245
18896 | Maine Media FCU | S Portland | ME | 01 | [NAME] | 0.228 | 4284629 | 1126 | 0 | 0 | 524867.06 | 0 | 1178273 | 42846.29 | 21423.145 | 17138.516 | 0.186288
18897 | Coast Line CU | S Portland | ME | 01 | [NAME] | 0.1499 | 47046068 | 3649 | 0 | 0 | 5763143.5 | 0 | 12937669 | 470460.7 | 235230.34 | 188184.27 | 2.045481
18938 | HealthFirst FCU | Waterville | ME | 01 | Lynda Quirion | 0.0867 | 17017179 | 3841 | 0 | 0 | 2084604.4 | 0 | 4679724 | 170171.8 | 0 | 0 | 0
18963 | Winslow Community FCU | Winslow | ME | 01 | [NAME] | 0.0884 | 28951525 | 4033 | 0 | 0 | 3546561.8 | 0 | 7961669.5 | 289515.25 | 0 | 0 | 0
18964 | Winthrop Area FCU | Winthrop | ME | 01 | [NAME] | 0.0925 | 60042079 | 5826 | 0 | 0 | 7355154.5 | 0 | 16511572 | 600420.8 | 300210.4 | 240168.31 | 2.610525
District Totals |  |  |  |  |  |  | 3279632543 | 316006 | 72447239 | 0.02209004760445811 | 401754986.46 | 0.1803269192458749 | 901898950.1 | 168624128.24 | 46054543.837 | 36843636.10400001 | 400.474303
18811 | NorState FCU | Madawaska | ME | 02 | [NAME] | 0.1201 | 160516841 | 13605 | 34470383 | 0.214746 | 19663314 | 1.75303 | 44142132 | 77382496 | 0 | 0 | 0
18779 | Maine Savings FCU | Hampden | ME | 02 | [NAME] | 0.0826 | 255883831 | 26155 | 22169511 | 0.086639 | 31345770 | 0.707257 | 70368056 | 49768290 | 0 | 0 | 0
18809 | Acadia FCU | [NAME] | ME | 02 | [NAME] | 0.1539 | 118297410 | 10046 | 12149534 | 0.102703 | 14491433 | 0.838394 | 32531788 | 27274464 | 0 | 0 | 0
18935 | Seaboard FCU | Bucksport | ME | 02 | [NAME] | 0.0884 | 109548730 | 11828 | 7820944 | 0.071392 | 13419719 | 0.582795 | 30125900 | 17557222 | 4868138.5 | 3894511 | 42.33164
18850 | The County FCU | [NAME] | ME | 02 | [NAME] | 0.0974 | 188917129 | 16536 | 5858373 | 0.03101 | 23142348 | 0.253145 | 51952212 | 13151450 | 0 | 0 | 0
18957 | University Credit Union | [NAME] | ME | 02 | [NAME] | 0.097 | 212187432 | 23163 | 5779479 | 0.027238 | 25992960 | 0.222348 | 58351544 | 12974341 | 3597430.8 | 2877944.8 | 31.282007
18847 | Lisbon Community FCU | Lisbon | ME | 02 | [NAME] | 0.1175 | 80134951 | 7941 | 4888635 | 0.061005 | 9816531 | 0.498 | 22037112 | 10974487 | 3042925.8 | 2434340.8 | 26.460225
18882 | Penobscot County FCU | Old Town | ME | 02 | [NAME] | 0.0975 | 49611294 | 7644 | 1975150 | 0.039813 | 6077383.5 | 0.325 | 13643106 | 4434010 | 0 | 0 | 0
18780 | Franklin-Somerset FCU | [NAME] | ME | 02 | [NAME] | 0.0916 | 76516202 | 9847 | 1605775 | 0.020986 | 9373235 | 0.171315 | 21041956 | 3604801 | 0 | 0 | 0
18911 | Down East CU | Baileyville | ME | 02 | [NAME] | 0.0924 | 100989934 | 15910 | 1355636 | 0.013423 | 12371267 | 0.109579 | 27772232 | 3043264.5 | 0 | 0 | 0
18928 | Community Credit Union | Lewiston | ME | 02 | [NAME] | 0.1107 | 44898130 | 8296 | 1206748 | 0.026877 | 5500021 | 0.219408 | 12346986 | 2709026 | 751139.06 | 600911.25 | 6.531644
18837 | [NAME] | Millinocket | ME | 02 | [NAME] | 0.1192 | 70085656 | 7262 | 1041060 | 0.014854 | 8585493 | 0.121258 | 19273556 | 2337073.5 | 0 | 0 | 0
18854 | Sebasticook Valley FCU | Pittsfield | ME | 02 | [NAME] | 0.0853 | 76613869 | 10236 | 1007203 | 0.013146 | 9385199 | 0.107318 | 21068814 | 2261068 | 0 | 0 | 0
18800 | Maine Highlands FCU | [NAME] | ME | 02 | [NAME] | 0.0839 | 89705659 | 11649 | 906893 | 0.01011 | 10988943 | 0.082528 | 24669056 | 2035882.2 | 0 | 0 | 0
18788 | Brewer FCU | Brewer | ME | 02 | [NAME] | 0.0942 | 48564281 | 7791 | 822998 | 0.016947 | 5949124.5 | 0.138339 | 13355177 | 1847546.5 | 0 | 0 | 0
18912 | Central Maine FCU | Lewiston | ME | 02 | Vicki Stuart | 0.1234 | 87632555 | 7651 | 516022 | 0.005888 | 10734988 | 0.048069 | 24098952 | 1158416.8 | 321197.38 | 256957.89 | 2.793021
18917 | Bangor FCU | Bangor | ME | 02 | [NAME] | 0.084 | 124870353 | 14261 | 442088 | 0.00354 | 15296618 | 0.028901 | 34339348 | 992442.44 | 0 | 0 | 0
18923 | Great Falls Regional FCU | Lewiston | ME | 02 | [NAME] | 0.1899 | 24659199 | 4749 | 270320 | 0.010962 | 3020752 | 0.089488 | 6781279.5 | 606840.8 | 0 | 0 | 0
18880 | Oxford FCU | Mexico | ME | 02 | [NAME] | 0.1332 | 138921750 | 15848 | 95573 | 0.000688 | 17017914 | 0.005616 | 38203480 | 214551.62 | 0 | 0 | 0
18930 | Maine Family FCU | Lewiston | ME | 02 | [NAME] | 0.0951 | 121320032 | 19215 | 64775 | 0.000534 | 14861704 | 0.004359 | 33363008 | 145413.27 | 0 | 0 | 0
18802 | Eastmill FCU | E Millinocket | ME | 02 | [NAME] | 0.1833 | 59443975 | 4247 | 30711 | 0.000517 | 7281887 | 0.004217 | 16347093 | 68943.06 | 0 | 0 | 0
18776 | Changing Seasons FCU | Hampden | ME | 02 | [NAME] | 0.0987 | 21693720 | 2166 | 0 | 0 | 2657480.8 | 0 | 5965773 | 216937.2 | 0 | 0 | 0
18781 | Rainbow FCU | Lewiston | ME | 02 | [NAME] | 0.1296 | 176726114 | 21378 | 0 | 0 | 21648948 | 0 | 48599680 | 1767261.1 | 883630.56 | 706904.44 | 7.683744
18814 | Gardiner FCU | [NAME] | ME | 02 | Philip Bergeron | 0.0937 | 37896795 | 5005 | 0 | 0 | 4642357.5 | 0 | 10421619 | 378967.94 | 189483.97 | 151587.19 | 1.647687
18831 | Howland - Enfield FCU | Howland | ME | 02 | [NAME] | 0.0757 | 7477345 | 1727 | 0 | 0 | 915974.75 | 0 | 2056269.9 | 74773.45 | 0 | 0 | 0
18845 | Lewiston Municipal FCU | Lewiston | ME | 02 | [NAME] | 0.1026 | 19292107 | 1939 | 0 | 0 | 2363283 | 0 | 5305329.5 | 192921.06 | 0 | 0 | 0
18846 | Lincoln Maine FCU | Lincoln | ME | 02 | [NAME] | 0.1057 | 47458480 | 4972 | 0 | 0 | 5813664 | 0 | 13051082 | 474584.8 | 0 | 0 | 0
18867 | Monmouth FCU | Monmouth | ME | 02 | Marguerite Gagne | 0.0824 | 16437675 | 2584 | 0 | 0 | 2013615.2 | 0 | 4520360.5 | 164376.75 | 82188.375 | 65750.7 | 0.714682
18878 | Otis FCU | [NAME] | ME | 02 | [NAME] | 0.1673 | 129922044 | 10417 | 0 | 0 | 15915450 | 0 | 35728564 | 1299220.5 | 649610.25 | 519688.2 | 5.648785
18879 | Sabattus Regional CU | Sabattus | ME | 02 | [NAME] | 0.1088 | 34991959 | 4209 | 0 | 0 | 4286515 | 0 | 9622789 | 349919.6 | 174959.8 | 139967.84 | 1.52139
39250 | Eastern Maine Medical Center FCU | Bangor | ME | 02 | [NAME] | 0.0949 | 46457225 | 4906 | 0 | 0 | 5691010 | 0 | 12775737 | 464572.25 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 2777672677 | 313183 | 104477811 | 0.03761343511246268 | 340264902.25 | 0.3070484505135292 | 763859991.4 | 239925564.34 | 14560704.495 | 11648564.11 | 126.614825
State Totals |  |  |  |  |  |  | 6057305220 | 629189 | 176925050 | 0.02920854135199084 | 742019888.71 | 0.2384370724989378 | 1665758941.5 | 408549692.58 | 60615248.332 | 48492200.21400001 | 527.0891280000001