Spreadsheet: e5cc4a04-868c-4cb9-8f1d-19192756d004
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 Idaho CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 121873455 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 18056395.246 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 14445116.123 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 157.012131 |  | 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
16577 | Cottonwood Community FCU | Cottonwood | ID | 01 | [NAME] | 0.1367 | 78089469 | 4579 | 20204544 | 0.258736 | 9565960 | 2.112129 | 21474604 | 45357140 | 0 | 0 | 0
16646 | Northwest Christian CU | Nampa | ID | 01 | [NAME] | 0.111 | 40601076 | 5960 | 14768567 | 0.363748 | 4973632 | 2.969373 | 11165296 | 33153926 | 0 | 0 | 0
16560 | Les Bois CU | Garden City | ID | 01 | [NAME] | 0.0845 | 88045665 | 11210 | 8597000 | 0.097643 | 10785594 | 0.797082 | 24212558 | 19299388 | 5351194 | 4280955 | 46.532121
16668 | Potlatch No 1 FCU | Lewiston | ID | 01 | [NAME] | 0.0978 | 545285886 | 59754 | 6713651 | 0.012312 | 66797520 | 0.100507 | 149953616 | 15071461 | 0 | 0 | 0
16627 | [NAME] | Lewiston | ID | 01 | [NAME] | 0.1054 | 49850485 | 7419 | 441318 | 0.008853 | 6106684.5 | 0.072268 | 13708883 | 990713.9 | 0 | 0 | 0
16622 | Kamiah Community CU | Kamiah | ID | 01 | [NAME] | 0.1079 | 53778981 | 5303 | 340049 | 0.006323 | 6587925 | 0.051617 | 14789220 | 763375.3 | 211663.16 | 169330.52 | 1.840549
16708 | Latah FCU | Moscow | ID | 01 | [NAME] | 0.1031 | 66963040 | 6689 | 14270 | 0.000213 | 8202972.5 | 0.00174 | 18414836 | 32034.693 | 0 | 0 | 0
16549 | Boise Fire Dept CU | Boise | ID | 01 | [NAME] | 0.0959 | 8535277 | 993 | 0 | 0 | 1045571.44 | 0 | 2347201.2 | 85352.77 | 0 | 0 | 0
16553 | Payette River Community CU | [NAME] | ID | 01 | [NAME] | 0.0751 | 7473973 | 1578 | 0 | 0 | 915561.7 | 0 | 2055342.6 | 74739.73 | 37369.863 | 29895.893 | 0.324955
16555 | Capital Educators FCU | Meridian | ID | 01 | [NAME] | 0.089 | 340069938 | 44986 | 0 | 0 | 41658568 | 0 | 93519232 | 3400699.5 | 1700349.8 | 1360279.8 | 14.785649
16571 | Clearwater CU | Lewiston | ID | 01 | [NAME] | 0.0648 | 24026033 | 3989 | 0 | 0 | 2943189 | 0 | 6607159 | 240260.33 | 0 | 0 | 0
16572 | Cornerstone CU | Caldwell | ID | 01 | [NAME] | 0.0618 | 18913178 | 4951 | 0 | 0 | 2316864.2 | 0 | 5201124 | 189131.78 | 0 | 0 | 0
16607 | Idadiv CU | Nampa | ID | 01 | [NAME] | 0.0905 | 47743943 | 10363 | 0 | 0 | 5848633 | 0 | 13129584 | 477439.44 | 0 | 0 | 0
16629 | Lewiston Catholic CU | Lewiston | ID | 01 | [NAME] | 0.0903 | 357286 | 132 | 0 | 0 | 43767.535 | 0 | 98253.65 | 3572.86 | 0 | 0 | 0
16657 | Pine Tree Community CU | Grangeville | ID | 01 | [NAME] | 0.1058 | 34529889 | 2983 | 0 | 0 | 4229911.5 | 0 | 9495719 | 345298.88 | 172649.44 | 138119.56 | 1.5013
16672 | Public ECU | Coeur D Alene | ID | 01 | [NAME] | 0.0638 | 9437573 | 1950 | 0 | 0 | 1156102.8 | 0 | 2595332.5 | 94375.73 | 47187.863 | 37750.293 | 0.410329
16673 | Mountain Gem CU | Nampa | ID | 01 | [NAME] | 0.0788 | 15950544 | 3002 | 0 | 0 | 1953941.6 | 0 | 4386399.5 | 159505.44 | 79752.72 | 63802.176 | 0.693502
16680 | St Joe Valley CU | Saint Maries | ID | 01 | [NAME] | 0.0559 | 7179498 | 1353 | 0 | 0 | 879488.5 | 0 | 1974362 | 0 | 0 | 0 | 0
16689 | Simplot ECU | Caldwell | ID | 01 | [NAME] | 0.1612 | 18894831 | 4845 | 0 | 0 | 2314616.8 | 0 | 5196078.5 | 188948.31 | 94474.16 | 75579.32 | 0.821514
16695 | [NAME] | Nampa | ID | 01 | [NAME] | 0.1294 | 1369370 | 434 | 0 | 0 | 167747.83 | 0 | 376576.75 | 13693.7 | 0 | 0 | 0
16710 | White Pine CU | Pierce | ID | 01 | [NAME] | 0.1081 | 8763892 | 1726 | 0 | 0 | 1073576.8 | 0 | 2410070.2 | 87638.92 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 1465859827 | 184199 | 51079399 | 0.03484603238260379 | 179567828.705 | 0.2844574073673015 | 403111447.8999999 | 120028696.283 | 7694641.006 | 6155712.561999999 | 66.90991899999999
16608 | Idaho Central CU | Pocatello | ID | 02 | [NAME] | 0.0933 | 1350722652 | 132959 | 53715929 | 0.039768 | 165463520 | 0.324639 | 371448736 | 120586776 | 0 | 0 | 0
16644 | Pioneer FCU | Mountain Home | ID | 02 | Curtis Perry | 0.0878 | 303586476 | 31168 | 6849981 | 0.022564 | 37189344 | 0.184192 | 83486280 | 15377508 | 4263763.5 | 3411011 | 37.076206
16616 | Icon CU | Boise | ID | 02 | [NAME] | 0.1178 | 171670477 | 16223 | 5984932 | 0.034863 | 21029634 | 0.284595 | 47209380 | 13435562 | 3725314.8 | 2980251.8 | 32.394042
16586 | Advantage Plus FCU | Pocatello | ID | 02 | Brent Neibaur | 0.0831 | 110806500 | 12970 | 2626962 | 0.023708 | 13573796 | 0.193532 | 30471788 | 5897261.5 | 0 | 0 | 0
16544 | Westmark CU | Idaho Falls | ID | 02 | [NAME] | 0.0945 | 509618681 | 44557 | 396422 | 0.000778 | 62428288 | 0.00635 | 140145136 | 889926.94 | 246752.47 | 197401.97 | 2.145674
16556 | Idaho Advantage CU | Boise | ID | 02 | [NAME] | 0.0747 | 61794446 | 6835 | 380240 | 0.006153 | 7569819.5 | 0.050231 | 16993472 | 853600 | 236680 | 189344 | 2.058087
16675 | Beehive Federal Credit Union | Rexburg | ID | 02 | [NAME] | 0.1061 | 179534741 | 20325 | 301625 | 0.00168 | 21993006 | 0.013715 | 49372052 | 677117.4 | 0 | 0 | 0
16611 | Members Preferred CU | Idaho Falls | ID | 02 | [NAME] | 0.0762 | 21054983 | 3857 | 254155 | 0.012071 | 2579235.5 | 0.098539 | 5790120.5 | 570552.06 | 0 | 0 | 0
16685 | SEI US EFCU | Pocatello | ID | 02 | [NAME] | 0.1159 | 15081884 | 2336 | 144047 | 0.009551 | 1847530.8 | 0.077967 | 4147518 | 323370.8 | 0 | 0 | 0
16666 | Potelco United CU | Pocatello | ID | 02 | [NAME] | 0.0794 | 69649698 | 10784 | 139763 | 0.002007 | 8532088 | 0.016381 | 19153666 | 313753.7 | 86995.336 | 69596.266 | 0.756481
16542 | TruGrocer FCU | Boise | ID | 02 | [NAME] | 0.207 | 231848555 | 31277 | 0 | 0 | 28401448 | 0 | 63758352 | 2318485.5 | 1159242.8 | 927394.25 | 10.080372
16557 | Boise US EFCU | Boise | ID | 02 | [NAME] | 0.1157 | 49553139 | 5528 | 0 | 0 | 6070259.5 | 0 | 13627113 | 495531.38 | 247765.69 | 198212.56 | 2.154484
16566 | Cassia County Education Assn CU | Burley | ID | 02 | [NAME] | 0.1181 | 2683359 | 805 | 0 | 0 | 328711.47 | 0 | 737923.75 | 26833.59 | 0 | 0 | 0
16582 | ESA CU | Boise | ID | 02 | [NAME] | 0.091 | 5868513 | 2026 | 0 | 0 | 718892.8 | 0 | 1613841.1 | 58685.13 | 0 | 0 | 0
16584 | East Idaho Credit Union | Idaho Falls | ID | 02 | [NAME] | 0.075 | 280028427 | 38935 | 0 | 0 | 34303484 | 0 | 77007816 | 2800284.2 | 0 | 0 | 0
16612 | A+ Credit Union | Idaho Falls | ID | 02 | [NAME] | 0.0767 | 17320308 | 2969 | 0 | 0 | 2121737.8 | 0 | 4763084.5 | 173203.08 | 0 | 0 | 0
16615 | Idaho State University FCU | Pocatello | ID | 02 | [NAME] | 0.088 | 140088998 | 17849 | 0 | 0 | 17160902 | 0 | 38524476 | 1400890 | 0 | 0 | 0
16621 | Jefferson County Public ECU | [NAME] | ID | 02 | [NAME] | 0.1149 | 458593 | 176 | 0 | 0 | 56177.64 | 0 | 126113.08 | 4585.93 | 0 | 0 | 0
16633 | Magic Valley FCU | [NAME] | ID | 02 | [NAME] | 0.0939 | 6406715 | 1173 | 0 | 0 | 784822.56 | 0 | 1761846.6 | 64067.15 | 32033.574 | 25626.86 | 0.278553
16642 | Mini Cassia ECU | Burley | ID | 02 | [NAME] | 0.1346 | 562112 | 385 | 0 | 0 | 68858.72 | 0 | 154580.8 | 5621.12 | 0 | 0 | 0
16653 | MAP Credit Union | Burley | ID | 02 | [NAME] | 0.0505 | 1764276 | 1297 | 0 | 0 | 216123.81 | 0 | 485175.9 | 0 | 0 | 0 | 0
16662 | Pocatello Railroad FCU | Chubbuck | ID | 02 | [NAME] | 0.0617 | 59810546 | 10440 | 0 | 0 | 7326792 | 0 | 16447900 | 598105.44 | 0 | 0 | 0
16663 | Pocatello Simplot CU | Pocatello | ID | 02 | [NAME] | 0.1784 | 32414486 | 2170 | 0 | 0 | 3970774.5 | 0 | 8913984 | 324144.88 | 162072.44 | 129657.945 | 1.409325
16678 | St Alphonsus Medical CU | Boise | ID | 02 | [NAME] | 0.0684 | 5579040 | 1613 | 0 | 0 | 683432.4 | 0 | 1534236 | 55790.4 | 0 | 0 | 0
16682 | Health Care Idaho CU | Boise | ID | 02 | [NAME] | 0.117 | 11331082 | 5102 | 0 | 0 | 1388057.5 | 0 | 3116047.5 | 113310.82 | 56655.41 | 45324.33 | 0.492656
16684 | [NAME] FCU | Idaho Falls | ID | 02 | [NAME] | 0.0782 | 62795237 | 8527 | 0 | 0 | 7692416.5 | 0 | 17268690 | 627952.4 | 0 | 0 | 0
16686 | Shell-Fir CU | Shelley | ID | 02 | [NAME] | 0.0828 | 951930 | 384 | 0 | 0 | 116611.42 | 0 | 261780.75 | 9519.3 | 0 | 0 | 0
16688 | Simcoe CU | [NAME] | ID | 02 | [NAME] | 0.1055 | 5806964 | 2301 | 0 | 0 | 711353.06 | 0 | 1596915.1 | 58069.64 | 0 | 0 | 0
16696 | Snake River FCU | [NAME] | ID | 02 | [NAME] | 0.0774 | 6005306 | 1313 | 0 | 0 | 735650 | 0 | 1651459.1 | 60053.06 | 0 | 0 | 0
37743 | Idaho United Credit Union | Meridian | ID | 02 | [NAME] | 0.0767 | 28895645 | 5520 | 0 | 0 | 3539716.5 | 0 | 7946302.5 | 288956.44 | 144478.22 | 115582.58 | 1.256332
District Totals |  |  |  |  |  |  | 3743693769 | 421804 | 70794056 | 0.01891021551661535 | 458602483.9800001 | 0.1543691071744988 | 1029515786.18 | 168409517.86 | 10361754.24 | 8289403.561 | 90.10221199999998
State Totals |  |  |  |  |  |  | 5209553596 | 606003 | 121873455 | 0.02339422231754692 | 638170312.6850001 | 0.1909732442539309 | 1432627234.08 | 288438214.143 | 18056395.246 | 14445116.123 | 157.012131