Spreadsheet: 66f6e921-e053-4f07-953e-fa19506e491c
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 Rhode Island CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 303373093 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 119173701.944 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 108698826.905 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 1181.50899 |  | 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
28849 | Navigant CU | Smithfield | RI | 01 | [NAME] | 0.1134 | 1430181584 | 62046 | 162409957 | 0.113559 | 175197248 | 0.927012 | 393299936 | 364593792 | 48722988 | 48722988 | 529.597686
28901 | The Peoples CU | Middletown | RI | 01 | [NAME] | 0.1131 | 375385997 | 27847 | 24679890 | 0.065745 | 45984784 | 0.536697 | 103231152 | 55403836 | 15361972 | 12289578 | 133.582368
28853 | [NAME] | [NAME] | RI | 01 | [NAME] | 0.0782 | 123969240 | 6244 | 8041334 | 0.064866 | 15186232 | 0.529515 | 34091541 | 18051974 | 5005320 | 4004256 | 43.524523
28821 | Alliance Blackstone Valley FCU | Pawtucket | RI | 01 | [NAME] | 0.0661 | 44084129 | 3814 | 1600113 | 0.036297 | 5400306 | 0.2963 | 12123135 | 3592090.5 | 995988.7 | 796790.94 | 8.660771
28856 | Community & Teachers FCU | E Providence | RI | 01 | [NAME] | 0.0934 | 22373530 | 2364 | 1344272 | 0.060083 | 2740757.5 | 0.490475 | 6152721 | 3017753.5 | 836740.75 | 669392.56 | 7.276006
28820 | Blackstone River FCU | Woonsocket | RI | 01 | [NAME] | 0.0788 | 47223587 | 4633 | 0 | 0 | 5784889.5 | 0 | 12986486 | 472235.88 | 236117.94 | 188894.34 | 2.053199
28850 | Cumberland Municipal EFCU | Cumberland | RI | 01 | [NAME] | 0.179 | 7697822 | 1176 | 0 | 0 | 942983.2 | 0 | 2116901 | 76978.22 | 38489.11 | 30791.287 | 0.334688
28899 | Pawtucket Municipal EFCU | Pawtucket | RI | 01 | [NAME] | 0.1376 | 4042033 | 949 | 0 | 0 | 495149.03 | 0 | 1111559.1 | 40420.33 | 20210.164 | 16168.132 | 0.175741
28900 | Postal Employees Regional FCU | Pawtucket | RI | 01 | [NAME] | 0.384 | 6824921 | 786 | 0 | 0 | 836052.8 | 0 | 1876853.2 | 68249.21 | 34124.605 | 27299.684 | 0.296736
28909 | Postal Government EFCU | Providence | RI | 01 | [NAME] | 0.1431 | 41619255 | 3235 | 0 | 0 | 5098358.5 | 0 | 11445295 | 416192.56 | 208096.28 | 166477.02 | 1.809533
28920 | Rhode Island CU | Providence | RI | 01 | [NAME] | 0.1087 | 246425435 | 24674 | 0 | 0 | 30187116 | 0 | 67766992 | 2464254.2 | 1232127.1 | 985701.75 | 10.714149
28948 | Woodlawn FCU | Pawtucket | RI | 01 | [NAME] | 0.0748 | 13934402 | 4200 | 0 | 0 | 1706964.2 | 0 | 3831960.5 | 139344.02 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 2363761935 | 141968 | 198075566 | 0.08379674918489624 | 289560840.73 | 0.68405508666379 | 650034531.8000001 | 448337120.42 | 72692174.649 | 67898337.713 | 738.0254
28866 | [NAME] | Warwick | RI | 02 | [NAME] | 0.0899 | 370970881 | 57447 | 37705558 | 0.10164 | 45443932 | 0.829716 | 102016992 | 84645128 | 11311667 | 11311667 | 122.952907
28946 | Westerly Community CU | Westerly | RI | 02 | [NAME] | 0.0826 | 220396421 | 15678 | 22548913 | 0.102311 | 26998562 | 0.835189 | 60609016 | 50620008 | 6764674 | 6764674 | 73.529064
28886 | Wave Federal Credit Union | Warwick | RI | 02 | [NAME] | 0.1114 | 112444510 | 7941 | 1124509 | 0.010001 | 13774452 | 0.081637 | 30922240 | 2524408 | 699949.5 | 559959.56 | 6.086517
28845 | Coventry CU | Coventry | RI | 02 | [NAME] | 0.0868 | 229467282 | 27290 | 1061097 | 0.004624 | 28109742 | 0.037748 | 63103504 | 2382054.5 | 660478.75 | 528383 | 5.743293
28846 | Coventry Teachers FCU | Coventry | RI | 02 | [NAME] | 0.2387 | 2984276 | 546 | 0 | 0 | 365573.8 | 0 | 820675.9 | 29842.76 | 14921.38 | 11937.104 | 0.129751
28848 | Cranston Municipal ECU | [NAME] | RI | 02 | [NAME] | 0.1957 | 57233423 | 3168 | 0 | 0 | 7011094.5 | 0 | 15739191 | 572334.25 | 286167.12 | 228933.69 | 2.48841
28875 | Kent County Memorial Hospital EFCU | Warwick | RI | 02 | [NAME] | 0.0815 | 13201977 | 2201 | 0 | 0 | 1617242.1 | 0 | 3630543.8 | 132019.77 | 66009.88 | 52807.906 | 0.573999
28887 | Natco EFCU | West Warwick | RI | 02 | [NAME] | 0.1606 | 216733 | 75 | 0 | 0 | 26549.793 | 0 | 59601.574 | 2167.33 | 1083.665 | 866.932 | 0.009423
District Totals |  |  |  |  |  |  | 1006915503 | 114346 | 62440077 | 0.06201123809690712 | 123347148.193 | 0.5062141923403098 | 276901764.274 | 140907962.61 | 19804951.295 | 19459229.192 | 211.5133639999999
28898 | Pawtucket CU | Pawtucket | RI | 04 | [NAME] | 0.0963 | 1437397302 | 75961 | 42857450 | 0.029816 | 176081168 | 0.243396 | 395284256 | 96210600 | 26676576 | 21341260 | 231.970226
District Totals |  |  |  |  |  |  | 1437397302 | 75961 | 42857450 | 0.02981600837873286 | 176081168 | 0.2433959888316961 | 395284256 | 96210600 | 26676576 | 21341260 | 231.970226
State Totals |  |  |  |  |  |  | 4808074740 | 332275 | 303373093 | 0.06309658426815554 | 588989156.9229999 | 0.5150741561778204 | 1322220552.074 | 685455683.03 | 119173701.944 | 108698826.905 | 1181.50899