Spreadsheet: 1fd8f41e-3194-4587-9a92-85449bea5709
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 Hawaii CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 392256762 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 171079967.9420001 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 141519480.478 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 1538.255248 |  | 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
14832 | HawaiiUSA FCU | Honolulu | HI | 01 | [NAME] | 0.0982 | 1357683851 | 122628 | 96134540 | 0.070808 | 166316272 | 0.578022 | 373363072 | 215812240 | 59838848 | 47871076 | 520.337794
14773 | Aloha Pacific FCU | Honolulu | HI | 01 | [NAME] | 0.0937 | 752468649 | 41679 | 77591834 | 0.103116 | 92177408 | 0.841766 | 206928880 | 174185744 | 23277550 | 23277550 | 253.01685
14756 | Hawaii State FCU | Honolulu | HI | 01 | [NAME] | 0.1112 | 1296170040 | 77348 | 51730315 | 0.03991 | 158780832 | 0.325797 | 356446761 | 116129280 | 32199482 | 25759586 | 279.995494
14759 | Hawaiian TEL FCU | Honolulu | HI | 01 | [NAME] | 0.1081 | 515326856 | 50680 | 34146483 | 0.066262 | 63127540 | 0.540913 | 141714880 | 76655370 | 21254444 | 17003554 | 184.821248
14868 | University Of Hawaii FCU | Honolulu | HI | 01 | [NAME] | 0.092 | 551925235 | 25672 | 30805831 | 0.055815 | 67610840 | 0.455634 | 151779440 | 69155944 | 19175058 | 15340046 | 166.739635
14750 | Hawaii Central FCU | Honolulu | HI | 01 | Drake Tanabe | 0.0866 | 165280088 | 13265 | 11180466 | 0.067646 | 20246810 | 0.552209 | 45452024 | 25099006 | 6959269.5 | 5567415.5 | 60.515388
14842 | Pearl Harbor FCU | Waipahu | HI | 01 | [NAME] | 0.093 | 340927860 | 26106 | 8302654 | 0.024353 | 41763664 | 0.198801 | 93755160 | 18638612 | 0 | 0 | 0
14774 | Honolulu FCU | Honolulu | HI | 01 | [NAME] | 0.1108 | 236407035 | 15048 | 5710674 | 0.024156 | 28959862 | 0.197193 | 65011936 | 12819880 | 3554603.2 | 2843682.5 | 30.909593
14854 | Hawaii Pacific FCU | Honolulu | HI | 01 | [NAME] | 0.0921 | 51054301 | 6441 | 5709906 | 0.11184 | 6254152 | 0.912978 | 14039933 | 12818156 | 0 | 0 | 0
14763 | Hickam FCU | Honolulu | HI | 01 | [NAME] | 0.0822 | 553949778 | 50020 | 4353121 | 0.007858 | 67858848 | 0.06415 | 152336192 | 9772312 | 2709595.8 | 2167676.5 | 23.561702
14830 | Oahu FCU | Honolulu | HI | 01 | [NAME] | 0.1069 | 48322518 | 4761 | 1900000 | 0.039319 | 5919508.5 | 0.320973 | 13288692 | 4265306 | 1182653 | 946122.44 | 10.28394
14848 | The Queens FCU | Honolulu | HI | 01 | [NAME] | 0.0927 | 51356225 | 5312 | 824070 | 0.016046 | 6291137.5 | 0.130989 | 14122962 | 1849953 | 0 | 0 | 0
14803 | Kuakini Medical & Dental FCU | Honolulu | HI | 01 | [NAME] | 0.1096 | 43819425 | 2750 | 188145 | 0.004294 | 5367879.5 | 0.03505 | 12050342 | 422366.3 | 0 | 0 | 0
14777 | Hawaii Law Enforcement FCU | Honolulu | HI | 01 | [NAME] | 0.1058 | 147480122 | 12421 | 175525 | 0.00119 | 18066314 | 0.009716 | 40557032 | 394035.72 | 109255.36 | 87404.29 | 0.950047
14760 | Hawaii FCU | Honolulu | HI | 01 | [NAME] | 0.0933 | 65790047 | 11898 | 130000 | 0.001976 | 8059281 | 0.01613 | 18092262 | 291836.75 | 0 | 0 | 0
14722 | Theodavies Federal Credit Union | Honolulu | HI | 01 | [NAME] | 0.0485 | 9098629 | 1371 | 111600 | 0.012266 | 1114582 | 0.100127 | 2502123 | 0 | 0 | 0 | 0
14775 | Honolulu Fire Dept FCU | Honolulu | HI | 01 | [NAME] | 0.1033 | 65085828 | 5167 | 100000 | 0.001536 | 7973014 | 0.012542 | 17898602 | 224489.8 | 0 | 0 | 0
14708 | Hotel & Travel Industry FCU | Honolulu | HI | 01 | [NAME] | 0.0909 | 33986829 | 4793 | 0 | 0 | 4163386.5 | 0 | 9346378 | 339868.28 | 0 | 0 | 0
14709 | Aloha FCU | Pearl City | HI | 01 | Guy Usui | 0.0837 | 28274458 | 3595 | 0 | 0 | 3463621 | 0 | 7775476 | 282744.6 | 141372.3 | 113097.83 | 1.229324
14715 | Board of Water Supply FCU | Honolulu | HI | 01 | [NAME] | 0.1967 | 16781516 | 1251 | 0 | 0 | 2055735.8 | 0 | 4614917 | 167815.16 | 83907.58 | 67126.06 | 0.729631
14732 | EWA FCU | Ewa Beach | HI | 01 | Vera Kaaikaula | 0.2269 | 12790343 | 1890 | 0 | 0 | 1566817 | 0 | 3517344.2 | 127903.43 | 0 | 0 | 0
14739 | Pacific Island Energy FCU | Honolulu | HI | 01 | [NAME] | 0.0976 | 7919471 | 842 | 0 | 0 | 970135.2 | 0 | 2177854.5 | 79194.71 | 0 | 0 | 0
14741 | Glover Federal Credit Union | Honolulu | HI | 01 | Christie Fejeran | 0.1201 | 4791851 | 289 | 0 | 0 | 587001.75 | 0 | 1317759 | 47918.51 | 0 | 0 | 0
14743 | Hawaiian Airlines FCU | Honolulu | HI | 01 | Mitchell Sanpei | 0.0968 | 18298756 | 3318 | 0 | 0 | 2241597.5 | 0 | 5032158 | 182987.56 | 0 | 0 | 0
14754 | Prince Kuhio FCU | Honolulu | HI | 01 | [NAME] | 0.0735 | 9592505 | 1628 | 0 | 0 | 1175081.9 | 0 | 2637939 | 95925.05 | 0 | 0 | 0
14758 | Hawaiian Electric EFCU | Honolulu | HI | 01 | [NAME] | 0.1493 | 37121000 | 2071 | 0 | 0 | 4547322.5 | 0 | 10208275 | 371210 | 0 | 0 | 0
14766 | HMSA EFCU | Honolulu | HI | 01 | [NAME] | 0.0976 | 71516383 | 3385 | 0 | 0 | 8760757 | 0 | 19667006 | 715163.8 | 0 | 0 | 0
14767 | Hawaii National Guard FCU | Honolulu | HI | 01 | [NAME] | 0.1075 | 19409448 | 2283 | 0 | 0 | 2377657.5 | 0 | 5337598 | 194094.48 | 0 | 0 | 0
14769 | Honea FCU | [NAME] | HI | 01 | [NAME] | 0.0887 | 27060836 | 857 | 0 | 0 | 3314952.5 | 0 | 7441730 | 270608.38 | 0 | 0 | 0
14780 | OTS EFCU | Honolulu | HI | 01 | [NAME] | 0.0877 | 11586151 | 2073 | 0 | 0 | 1419303.5 | 0 | 3186191.5 | 115861.51 | 57930.754 | 46344.605 | 0.503746
14792 | Kamehameha FCU | Honolulu | HI | 01 | [NAME] | 0.1241 | 38949176 | 4628 | 0 | 0 | 4771274 | 0 | 10711023 | 389491.75 | 194745.88 | 155796.7 | 1.693442
14807 | Leahi FCU | Honolulu | HI | 01 | [NAME] | 0.061 | 2604144 | 648 | 0 | 0 | 319007.62 | 0 | 716139.6 | 26041.44 | 0 | 0 | 0
14809 | Island Tradition FCU | Honolulu | HI | 01 | [NAME] | 0.0906 | 3246625 | 587 | 0 | 0 | 397711.56 | 0 | 892821.9 | 32466.25 | 0 | 0 | 0
14811 | Local Union 1186 Ibew FCU | Honolulu | HI | 01 | Gwen [NAME] | 0.1422 | 13402104 | 1167 | 0 | 0 | 1641757.8 | 0 | 3685578.5 | 134021.05 | 67010.52 | 53608.414 | 0.5827
14820 | McCabe Hamilton & Renny FCU | Honolulu | HI | 01 | [NAME] | 0.1082 | 5741227 | 626 | 0 | 0 | 703300.3 | 0 | 1578837.4 | 57412.27 | 28706.135 | 22964.908 | 0.249619
14821 | Meadow Gold Dairies FCU | Honolulu | HI | 01 | [NAME] | 0.1231 | 2759635 | 606 | 0 | 0 | 338055.28 | 0 | 758899.6 | 27596.35 | 13798.175 | 11038.54 | 0.119984
14831 | Hawaii Schools FCU | Honolulu | HI | 01 | [NAME] | 0.1144 | 65215091 | 6117 | 0 | 0 | 7988848.5 | 0 | 17934150 | 652150.94 | 0 | 0 | 0
14835 | Oral FCU | Honolulu | HI | 01 | [NAME] | 0.1874 | 2502373 | 346 | 0 | 0 | 306540.7 | 0 | 688152.56 | 25023.73 | 12511.865 | 10009.492 | 0.108799
14847 | NAVFAC FCU | Honolulu | HI | 01 | [NAME] | 0.101 | 32374601 | 2233 | 0 | 0 | 3965888.5 | 0 | 8903015 | 323746 | 0 | 0 | 0
14851 | St Francis Medical Center FCU | Honolulu | HI | 01 | [NAME] | 0.0959 | 9058973 | 1186 | 0 | 0 | 1109724.2 | 0 | 2491217.5 | 90589.73 | 45294.863 | 36235.89 | 0.393868
14856 | Sheraton Hawaii FCU | Honolulu | HI | 01 | [NAME] | 0.1316 | 20858612 | 2439 | 0 | 0 | 2555180 | 0 | 5736118.5 | 208586.12 | 0 | 0 | 0
14865 | Times FCU | Honolulu | HI | 01 | [NAME] | 0.0634 | 11990721 | 1463 | 0 | 0 | 1468863.4 | 0 | 3297448.2 | 119907.21 | 59953.605 | 47962.883 | 0.521336
39609 | Plumbers & Fitters Local 675 FCU | Honolulu | HI | 01 | [NAME] | 0.1095 | 2408659 | 654 | 0 | 0 | 295060.72 | 0 | 662381.25 | 24086.59 | 12043.295 | 9634.636 | 0.104724
District Totals |  |  |  |  |  |  | 6762387975 | 523542 | 329095164 | 0.04866552543519215 | 828392526.7299999 | 0.3972695954888338 | 1859656702.21 | 743636946.4699999 | 170978033.832 | 141437933.188 | 1537.368864
14802 | Hawaii Community FCU | [NAME] | HI | 02 | [NAME] | 0.0918 | 375976096 | 40914 | 35142009 | 0.093469 | 46057072 | 0.76301 | 103393424 | 78890224 | 0 | 0 | 0
14789 | CU Hawaii FCU | Hilo | HI | 02 | [NAME] | 0.1189 | 239288644 | 25688 | 4888978 | 0.020431 | 29312858 | 0.166786 | 65804376 | 10975257 | 0 | 0 | 0
14796 | Kauai Community FCU | Lihue | HI | 02 | [NAME] | 0.0948 | 342292465 | 31979 | 3529115 | 0.01031 | 41930828 | 0.084165 | 94130424 | 7922503 | 0 | 0 | 0
14751 | Hawaii County EFCU | Hilo | HI | 02 | [NAME] | 0.1607 | 79331356 | 5896 | 3436186 | 0.043314 | 9718091 | 0.353587 | 21816122 | 7713887 | 0 | 0 | 0
14871 | Wailuku FCU | Wailuku | HI | 02 | [NAME] | 0.1375 | 39583833 | 3811 | 3203174 | 0.080921 | 4849019.5 | 0.660582 | 10885554 | 7190799 | 0 | 0 | 0
14753 | HFS FCU | Hilo | HI | 02 | [NAME] | 0.0972 | 446579363 | 43945 | 2770560 | 0.006204 | 54705972 | 0.050645 | 122809328 | 6219624.5 | 0 | 0 | 0
14818 | Windward Community FCU | [NAME] | HI | 02 | [NAME] | 0.0792 | 84922850 | 10251 | 2280447 | 0.026853 | 10403049 | 0.219209 | 23353784 | 5119371 | 0 | 0 | 0
14713 | Big Island FCU | Hilo | HI | 02 | [NAME] | 0.0809 | 80473880 | 8923 | 2053706 | 0.02552 | 9858050 | 0.208328 | 22130317 | 4610360.5 | 0 | 0 | 0
14804 | Kula Community FCU | [NAME] | HI | 02 | Elmer Cravalho | 0.0964 | 41772289 | 3550 | 1493123 | 0.035744 | 5117105.5 | 0.291791 | 11487379 | 3351908.8 | 0 | 0 | 0
33904 | Kauai Government EFCU | Lihue | HI | 02 | [NAME] | 0.093 | 94603674 | 6685 | 1333868 | 0.0141 | 11588950 | 0.115098 | 26016010 | 2994397.5 | 0 | 0 | 0
14814 | Maui County FCU | Wailuku | HI | 02 | [NAME] | 0.1115 | 243791153 | 14339 | 795267 | 0.003262 | 29864416 | 0.026629 | 67042568 | 1785293.2 | 0 | 0 | 0
14764 | Helco FCU | Hilo | HI | 02 | [NAME] | 0.1744 | 37994126 | 1755 | 570019 | 0.015003 | 4654280.5 | 0.122472 | 10448385 | 1279634.5 | 0 | 0 | 0
14799 | Kekaha FCU | [NAME] | HI | 02 | [NAME] | 0.2246 | 17481373 | 1571 | 350000 | 0.020021 | 2141468.2 | 0.163439 | 4807377.5 | 785714.3 | 0 | 0 | 0
14810 | Garden Island FCU | Lihue | HI | 02 | [NAME] | 0.1427 | 88575763 | 8276 | 291626 | 0.003292 | 10850531 | 0.026877 | 24358334 | 654670.6 | 0 | 0 | 0
14772 | North Hawaii Community FCU | Honokaa | HI | 02 | Gay Mathews | 0.0693 | 18668041 | 3580 | 252124 | 0.013506 | 2286835 | 0.11025 | 5133711.5 | 565992.6 | 0 | 0 | 0
14791 | [NAME] | [NAME] | HI | 02 | [NAME] | 0.1529 | 56098300 | 4901 | 234284 | 0.004176 | 6872042 | 0.034092 | 15427033 | 525943.7 | 0 | 0 | 0
14782 | Independent Employers Group FCU | Hilo | HI | 02 | [NAME] | 0.1028 | 20920484 | 2867 | 221396 | 0.010583 | 2562759.2 | 0.08639 | 5753133 | 497011.44 | 0 | 0 | 0
14815 | Maui FCU | [NAME] | HI | 02 | [NAME] [NAME] | 0.1444 | 60890944 | 5259 | 163763 | 0.002689 | 7459140.5 | 0.021955 | 16745010 | 367631.22 | 101934.11 | 81547.29 | 0.886384
14819 | McBryde FCU | Eleele | HI | 02 | [NAME] | 0.2154 | 84400450 | 3262 | 151953 | 0.0018 | 10339055 | 0.014697 | 23210124 | 341118.97 | 0 | 0 | 0
14729 | [NAME] FCU | Wahiawa | HI | 02 | [NAME] | 0.0787 | 2745499 | 851 | 0 | 0 | 336323.62 | 0 | 755012.25 | 27454.99 | 0 | 0 | 0
14733 | First Hawaiian Homes FCU | Hoolehua | HI | 02 | [NAME] Nae'Ole | 0.1886 | 3422749 | 1327 | 0 | 0 | 419286.75 | 0 | 941256 | 34227.49 | 0 | 0 | 0
14749 | Lanai FCU | Lanai City | HI | 02 | [NAME] | 0.1135 | 25310579 | 1870 | 0 | 0 | 3100546 | 0 | 6960409 | 253105.8 | 0 | 0 | 0
14761 | Valley Isle Community FCU | [NAME] | HI | 02 | [NAME] | 0.1137 | 105347975 | 12538 | 0 | 0 | 12905127 | 0 | 28970694 | 1053479.8 | 0 | 0 | 0
14790 | Kahuku FCU | Kahuku | HI | 02 | [NAME] | 0.082 | 4391621 | 1563 | 0 | 0 | 537973.56 | 0 | 1207695.8 | 43916.21 | 0 | 0 | 0
14793 | Hawaii First FCU | [NAME] | HI | 02 | [NAME] | 0.0757 | 32920640 | 7380 | 0 | 0 | 4032778.5 | 0 | 9053176 | 329206.4 | 0 | 0 | 0
14797 | Kauai Teachers FCU | Lihue | HI | 02 | [NAME] | 0.0846 | 33353843 | 2575 | 0 | 0 | 4085845.8 | 0 | 9172307 | 333538.44 | 0 | 0 | 0
14798 | Kaumakani FCU | Kaumakani | HI | 02 | Georgeatte Galicinao-Cayaban | 0.164 | 3466872 | 838 | 0 | 0 | 424691.8 | 0 | 953389.8 | 34668.72 | 0 | 0 | 0
14816 | Maui Teachers FCU | Wailuku | HI | 02 | [NAME] | 0.102 | 34950916 | 1745 | 0 | 0 | 4281487 | 0 | 9611502 | 349509.16 | 0 | 0 | 0
14823 | Molokai Community FCU | [NAME] | HI | 02 | Lawrence Lasua | 0.102 | 19189359 | 3937 | 0 | 0 | 2350696.5 | 0 | 5277073.5 | 191893.6 | 0 | 0 | 0
14828 | West Oahu Community FCU | Waianae | HI | 02 | [NAME] | 0.135 | 33590502 | 5427 | 0 | 0 | 4114836.5 | 0 | 9237388 | 335905.03 | 0 | 0 | 0
14833 | Onomea FCU | Papaikou | HI | 02 | Myrtle Licoan | 0.1821 | 16086560 | 2060 | 0 | 0 | 1970603.6 | 0 | 4423804 | 160865.6 | 0 | 0 | 0
14843 | Hamakua Coast Community FCU | Pepeekeo | HI | 02 | [NAME] | 0.1587 | 16052467 | 2166 | 0 | 0 | 1966427.2 | 0 | 4414428.5 | 160524.67 | 0 | 0 | 0
14845 | West Maui Community FCU | Lahaina | HI | 02 | [NAME] | 0.2391 | 34021566 | 2640 | 0 | 0 | 4167641.8 | 0 | 9355931 | 340215.66 | 0 | 0 | 0
14852 | Schofield FCU | Schofield | HI | 02 | [NAME] | 0.1405 | 38145572 | 2328 | 0 | 0 | 4672832.5 | 0 | 10490032 | 381455.72 | 0 | 0 | 0
14870 | Waialua FCU | Waialua | HI | 02 | [NAME] | 0.1137 | 52718081 | 3197 | 0 | 0 | 6457965 | 0 | 14497472 | 527180.8 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 2909359885 | 279894 | 63161598 | 0.02170979201495383 | 356396585.53 | 0.1772227921490098 | 800073964.8499999 | 146348490.92 | 101934.11 | 81547.29 | 0.886384
State Totals |  |  |  |  |  |  | 9671747860 | 803436 | 392256762 | 0.04055696733185929 | 1184789112.26 | 0.331077284506578 | 2659730667.06 | 889985437.3899999 | 171079967.9420001 | 141519480.478 | 1538.255248