Spreadsheet: 16c776bf-c956-49f3-8671-7249fa8c284a
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 Montana CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 369495822 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 7662975.370000001 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 6130380.103000001 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 66.634569 |  | 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
22415 | Whitefish Credit Union | Whitefish | MT | 00 | [NAME] | 0.0979 | 1231022054 | 57818 | 220230959 | 0.178901 | 150800208 | 1.460416 | 338531072 | 494396032 | 0 | 0 | 0
22370 | Missoula FCU | Missoula | MT | 00 | [NAME] | 0.0875 | 395757898 | 44355 | 46515191 | 0.117534 | 48480344 | 0.959465 | 108833424 | 104421856 | 0 | 0 | 0
22390 | Richland FCU | Sidney | MT | 00 | [NAME] | 0.0874 | 81400246 | 4646 | 23524959 | 0.289004 | 9971530 | 2.359213 | 22385068 | 52811132 | 0 | 0 | 0
22362 | McCone County FCU | Circle | MT | 00 | [NAME] | 0.1136 | 56574058 | 2690 | 22583686 | 0.399188 | 6930322 | 3.258678 | 15557866 | 50698072 | 0 | 0 | 0
22305 | Daniels-Sheridan FCU | Scobey | MT | 00 | [NAME] | 0.1273 | 59789924 | 4404 | 11623942 | 0.194413 | 7324265.5 | 1.587045 | 16442229 | 26094564 | 0 | 0 | 0
22403 | Rocky Mountain CU | Helena | MT | 00 | [NAME] | 0.1113 | 138370982 | 13082 | 11338739 | 0.081944 | 16950446 | 0.668935 | 38052020 | 25454312 | 7057786.5 | 5646229 | 61.372057
22358 | Sky FCU | [NAME] | MT | 00 | [NAME] | 0.0789 | 88553211 | 8334 | 9140919 | 0.103225 | 10847768 | 0.842654 | 24352134 | 20520430 | 0 | 0 | 0
22360 | 1st Liberty FCU | [NAME] | MT | 00 | [NAME] | 0.11 | 157499211 | 21118 | 4597187 | 0.029189 | 19293654 | 0.238275 | 43312284 | 10320216 | 0 | 0 | 0
22366 | Community 1st FCU | Miles City | MT | 00 | [NAME] | 0.0869 | 23174693 | 3306 | 3515487 | 0.151695 | 2838900 | 1.238327 | 6373040.5 | 7891909.5 | 0 | 0 | 0
22351 | [NAME] FCU | Billings | MT | 00 | [NAME] | 0.1117 | 211220396 | 20654 | 2393909 | 0.011334 | 25874498 | 0.09252 | 58085608 | 5374081.5 | 0 | 0 | 0
22314 | Fergus FCU | Lewistown | MT | 00 | [NAME] | 0.1142 | 51228923 | 6038 | 2334722 | 0.045574 | 6275543 | 0.372035 | 14087954 | 5241212.5 | 0 | 0 | 0
22416 | Park Side FCU | Whitefish | MT | 00 | [NAME] | 0.1092 | 125418834 | 12296 | 2254200 | 0.017973 | 15363807 | 0.146721 | 34490180 | 5060449 | 0 | 0 | 0
22387 | Gateway Community FCU | Missoula | MT | 00 | [NAME] | 0.094 | 59075626 | 6545 | 1998035 | 0.033822 | 7236764 | 0.276095 | 16245797 | 4485384.5 | 0 | 0 | 0
22338 | Bear Paw CU | Havre | MT | 00 | [NAME] | 0.0867 | 97122107 | 13441 | 1526399 | 0.015716 | 11897458 | 0.128296 | 26708580 | 3426610 | 0 | 0 | 0
22357 | Lincoln County CU | [NAME] | MT | 00 | [NAME] | 0.1637 | 103394356 | 6563 | 1517487 | 0.014677 | 12665809 | 0.11981 | 28433448 | 3406603.5 | 0 | 0 | 0
22287 | Billings FCU | Billings | MT | 00 | [NAME] | 0.1105 | 105188363 | 8761 | 1498945 | 0.01425 | 12885574 | 0.116327 | 28926800 | 3364978.5 | 0 | 0 | 0
22278 | Southwest Montana FCU | Anaconda | MT | 00 | [NAME] | 0.1255 | 103600861 | 7618 | 1187923 | 0.011466 | 12691105 | 0.093603 | 28490236 | 2666766 | 0 | 0 | 0
22343 | Helena Community CU | Helena | MT | 00 | [NAME] | 0.1114 | 156129710 | 14611 | 511032 | 0.003273 | 19125890 | 0.026719 | 42935672 | 1147214.8 | 318091.34 | 254473.08 | 2.766012
22388 | Ravalli County FCU | [NAME] | MT | 00 | [NAME] | 0.0912 | 34491136 | 4642 | 287679 | 0.008341 | 4225164 | 0.068087 | 9485062 | 645810 | 0 | 0 | 0
22402 | EDTECH FCU | [NAME] | MT | 00 | [NAME] | 0.1451 | 70268142 | 4731 | 250715 | 0.003568 | 8607847 | 0.029126 | 19323740 | 562829.56 | 0 | 0 | 0
22313 | Fallon County FCU | [NAME] | MT | 00 | [NAME] | 0.085 | 8416948 | 1110 | 234393 | 0.027848 | 1031076.1 | 0.227329 | 2314660.8 | 526188.4 | 0 | 0 | 0
22396 | Heritage FCU | [NAME] | MT | 00 | [NAME] | 0.1527 | 17821256 | 2407 | 135821 | 0.007621 | 2183103.8 | 0.062215 | 4900845.5 | 304904.28 | 0 | 0 | 0
22331 | Montana FCU | [NAME] | MT | 00 | [NAME] | 0.0925 | 195996011 | 21800 | 117980 | 0.000602 | 24009512 | 0.004914 | 53898904 | 264853.06 | 0 | 0 | 0
22332 | Embark FCU | [NAME] | MT | 00 | [NAME] | 0.1158 | 89778626 | 9777 | 106030 | 0.001181 | 10997882 | 0.009641 | 24689122 | 238026.53 | 0 | 0 | 0
22298 | Mountain West FCU | [NAME] | MT | 00 | Leah Salazar | 0.3058 | 5860178 | 1319 | 46875 | 0.007999 | 717871.8 | 0.065297 | 1611549 | 105229.59 | 0 | 0 | 0
22280 | Big Sky FCU | Billings | MT | 00 | [NAME] | 0.1046 | 7789213 | 1082 | 22608 | 0.002902 | 954178.56 | 0.023694 | 2142033.5 | 50752.652 | 0 | 0 | 0
22288 | Bitterroot Community FCU | [NAME] | MT | 00 | [NAME] | 0.1009 | 6516369 | 1202 | 0 | 0 | 798255.2 | 0 | 1792001.5 | 65163.69 | 0 | 0 | 0
22297 | Butte Community FCU | [NAME] | MT | 00 | [NAME] | 0.1139 | 14360291 | 2252 | 0 | 0 | 1759135.6 | 0 | 3949080 | 143602.9 | 0 | 0 | 0
22306 | Badlands FCU | Glendive | MT | 00 | [NAME] | 0.0793 | 20736333 | 2182 | 0 | 0 | 2540200.8 | 0 | 5702491.5 | 207363.33 | 0 | 0 | 0
22307 | Family First FCU | [NAME] | MT | 00 | [NAME] | 0.0723 | 13526986 | 2215 | 0 | 0 | 1657055.8 | 0 | 3719921.2 | 135269.86 | 0 | 0 | 0
22308 | Deer Lodge County School EFCU | Anaconda | MT | 00 | [NAME] | 0.0952 | 4202315 | 579 | 0 | 0 | 514783.6 | 0 | 1155636.6 | 42023.15 | 0 | 0 | 0
22309 | High Peaks FCU | Dillon | MT | 00 | [NAME] | 0.0849 | 20480499 | 3612 | 0 | 0 | 2508861.2 | 0 | 5632137 | 204804.98 | 0 | 0 | 0
22318 | Elkhorn FCU | [NAME] | MT | 00 | [NAME] | 0.0835 | 15456596 | 2614 | 0 | 0 | 1893433 | 0 | 4250564 | 154565.95 | 77282.98 | 61826.383 | 0.672026
22319 | Fort Peck Community FCU | Fort Peck | MT | 00 | [NAME] | 0.0965 | 10781295 | 1386 | 0 | 0 | 1320708.6 | 0 | 2964856.2 | 107812.95 | 0 | 0 | 0
22320 | Homestead FCU | Billings | MT | 00 | [NAME] | 0.0969 | 3198695 | 506 | 0 | 0 | 391840.12 | 0 | 879641.1 | 31986.95 | 0 | 0 | 0
22321 | Froid FCU | Froid | MT | 00 | [NAME] | 0.0999 | 1140757 | 270 | 0 | 0 | 139742.73 | 0 | 313708.2 | 11407.57 | 0 | 0 | 0
22327 | Glendive BN FCU | Glendive | MT | 00 | [NAME] | 0.1061 | 28424911 | 2084 | 0 | 0 | 3482051.5 | 0 | 7816850.5 | 284249.12 | 0 | 0 | 0
22328 | Glendive PE FCU | Glendive | MT | 00 | [NAME] | 0.071 | 10180401 | 1342 | 0 | 0 | 1247099.1 | 0 | 2799610.2 | 101804.01 | 0 | 0 | 0
22334 | Russell Country FCU | [NAME] | MT | 00 | [NAME] | 0.0918 | 62131263 | 10097 | 0 | 0 | 7611079.5 | 0 | 17086098 | 621312.6 | 0 | 0 | 0
22337 | Tricounty FCU | Harlowton | MT | 00 | [NAME] | 0.0711 | 1262463 | 408 | 0 | 0 | 154651.72 | 0 | 347177.3 | 12624.63 | 0 | 0 | 0
22349 | Kootenai Valley FCU | [NAME] | MT | 00 | [NAME] | 0.0944 | 4077225 | 1429 | 0 | 0 | 499460.06 | 0 | 1121236.9 | 40772.25 | 0 | 0 | 0
22352 | SEG FCU | Laurel | MT | 00 | Janice Lehman | 0.1205 | 13448153 | 1704 | 0 | 0 | 1647398.8 | 0 | 3698242 | 134481.53 | 0 | 0 | 0
22353 | Trico Community FCU | Helena | MT | 00 | Eddie Black | 0.0785 | 21629464 | 3717 | 0 | 0 | 2649609.2 | 0 | 5948102.5 | 216294.64 | 108147.32 | 86517.86 | 0.940411
22363 | MDU EFCU | Glendive | MT | 00 | [NAME] | 0.122 | 4736905 | 711 | 0 | 0 | 580270.9 | 0 | 1302648.9 | 47369.05 | 0 | 0 | 0
22364 | Miles City FCU | Miles City | MT | 00 | [NAME] | 0.1941 | 2879374 | 564 | 0 | 0 | 352723.3 | 0 | 791827.9 | 28793.74 | 0 | 0 | 0
22372 | MM EFCU | Missoula | MT | 00 | [NAME] | 0.1096 | 1025612 | 473 | 0 | 0 | 125637.47 | 0 | 282043.3 | 10256.12 | 0 | 0 | 0
22379 | NMH FCU | Havre | MT | 00 | [NAME] | 0.1427 | 727262 | 247 | 0 | 0 | 89089.59 | 0 | 199997.05 | 7272.62 | 0 | 0 | 0
22392 | Rimrock CU | Billings | MT | 00 | [NAME] | 0.1598 | 35318184 | 4320 | 0 | 0 | 4326477.5 | 0 | 9712501 | 353181.84 | 0 | 0 | 0
22398 | St Pats EFCU | Missoula | MT | 00 | [NAME] | 0.078 | 3561232 | 901 | 0 | 0 | 436250.9 | 0 | 979338.8 | 35612.32 | 0 | 0 | 0
22399 | Montana Health FCU | Billings | MT | 00 | [NAME] | 0.112 | 20333446 | 3071 | 0 | 0 | 2490847.2 | 0 | 5591697.5 | 203334.45 | 101667.23 | 81333.78 | 0.884063
22400 | Shelby Community FCU | Shelby | MT | 00 | [NAME] | 0.1707 | 6662349 | 1558 | 0 | 0 | 816137.75 | 0 | 1832146 | 66623.49 | 0 | 0 | 0
22401 | Mile High FCU | [NAME] | MT | 00 | [NAME] | 0.1372 | 21146313 | 2232 | 0 | 0 | 2590423.2 | 0 | 5815236 | 211463.12 | 0 | 0 | 0
22409 | Valley FCU of Montana | Billings | MT | 00 | [NAME] | 0.1016 | 190729082 | 25409 | 0 | 0 | 23364312 | 0 | 52450496 | 1907290.9 | 0 | 0 | 0
22417 | [NAME] FCU | [NAME] | MT | 00 | [NAME] | 0.1602 | 11699160 | 2487 | 0 | 0 | 1433147.1 | 0 | 3217269 | 116991.6 | 0 | 0 | 0
35582 | EnerGComm FCU | [NAME] | MT | 00 | [NAME] | 0.1233 | 29708858 | 3803 | 0 | 0 | 3639335 | 0 | 8169936 | 297088.6 | 0 | 0 | 0
39791 | Montana Educators CU | Missoula | MT | 00 | [NAME] | 0.0821 | 15807143 | 1674 | 0 | 0 | 1936375 | 0 | 4346964.5 | 158071.44 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 4270831899 | 388197 | 369495822 | 0.08651612396322977 | 523176914.2000002 | 0.7062540642967841 | 1174478785.95 | 835439307.2720002 | 7662975.370000001 | 6130380.103000001 | 66.634569
State Totals |  |  |  |  |  |  | 4270831899 | 388197 | 369495822 | 0.08651612396322977 | 523176914.2000002 | 0.7062540642967841 | 1174478785.95 | 835439307.2720002 | 7662975.370000001 | 6130380.103000001 | 66.634569