Spreadsheet: f124202a-76af-4d31-bd11-c4af4ba5fc8b
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 Utah CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 1077013924 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 491867858.17 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 400171617.284 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 4349.691416000001 |  | 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
31347 | America First FCU | Riverdale | UT | 01 | [NAME] | 0.0892 | 5812636251 | 607493 | 290763743 | 0.050023 | 712047940 | 0.408349 | 1598475010 | 652734910 | 180985600 | 144788480 | 1573.787784
31427 | Goldenwest FCU | Ogden | UT | 01 | [NAME] | 0.1212 | 848533338 | 88319 | 107390633 | 0.12656 | 103945336 | 1.033145 | 233346672 | 241081008 | 0 | 0 | 0
31425 | Wasatch Peaks FCU | Ogden | UT | 01 | [NAME] | 0.1002 | 195407636 | 25760 | 15290255 | 0.078248 | 23937436 | 0.638759 | 53737100 | 34325064 | 0 | 0 | 0
31543 | USU Charter FCU | Logan | UT | 01 | [NAME] | 0.0849 | 143584634 | 17244 | 14250767 | 0.09925 | 17589118 | 0.810204 | 39485776 | 31991518 | 0 | 0 | 0
31555 | Weber State FCU | Ogden | UT | 01 | [NAME] Have | 0.0869 | 94361156 | 9190 | 7906579 | 0.083791 | 11559242 | 0.684005 | 25949318 | 17749464 | 4921442 | 3937153.5 | 42.795148
31402 | SummitOne FCU | Ogden | UT | 01 | [NAME] | 0.0744 | 62345016 | 6113 | 2143369 | 0.034379 | 7637264.5 | 0.280646 | 17144880 | 4811644.5 | 1334137.9 | 1067310.2 | 11.601199
31428 | Education First CU | Ogden | UT | 01 | [NAME] | 0.0854 | 25878728 | 3324 | 1309916 | 0.050617 | 3170144.2 | 0.413204 | 7116650 | 2940627.8 | 815355.9 | 652284.7 | 7.090051
31501 | Members First CU | Brigham City | UT | 01 | [NAME] | 0.1012 | 94002033 | 14342 | 506619 | 0.005389 | 11515249 | 0.043995 | 25850560 | 1137308 | 315344.47 | 252275.58 | 2.742126
31328 | Kings Peak Credit Union | Roosevelt | UT | 01 | [NAME] | 0.0808 | 14250280 | 2358 | 503591 | 0.035339 | 1745659.2 | 0.288482 | 3918827 | 1130510.4 | 0 | 0 | 0
31323 | Devils Slide FCU | Morgan | UT | 01 | [NAME] | 0.1261 | 9236662 | 1398 | 41777 | 0.004523 | 1131491.1 | 0.036922 | 2540082 | 93785.1 | 0 | 0 | 0
31260 | Valley Wide FCU | Vernal | UT | 01 | [NAME] | 0.2178 | 459713 | 158 | 0 | 0 | 56314.844 | 0 | 126421.08 | 4597.13 | 2298.565 | 1838.852 | 0.019988
31380 | [NAME] | Brigham City | UT | 01 | [NAME] | 0.2026 | 90981814 | 12951 | 0 | 0 | 11145272 | 0 | 25019998 | 909818.1 | 454909.06 | 363927.25 | 3.955731
31395 | Logan Cache Rich FCU | Smithfield | UT | 01 | [NAME] | 0.1341 | 19198418 | 2267 | 0 | 0 | 2351806.2 | 0 | 5279565 | 191984.19 | 0 | 0 | 0
31396 | Logan City ECU | Logan | UT | 01 | [NAME] | 0.085 | 653769 | 273 | 0 | 0 | 80086.7 | 0 | 179786.47 | 6537.69 | 3268.845 | 2615.076 | 0.028425
31397 | Logan Medical FCU | Logan | UT | 01 | [NAME] | 0.1455 | 17371744 | 2272 | 0 | 0 | 2128038.8 | 0 | 4777229.5 | 173717.44 | 0 | 0 | 0
31410 | Moon Lake Electric EFCU | Roosevelt | UT | 01 | [NAME] | 0.1662 | 1747776 | 559 | 0 | 0 | 214102.56 | 0 | 480638.4 | 17477.76 | 8738.88 | 6991.104 | 0.07599
31511 | [NAME] | Vernal | UT | 01 | [NAME] | 0.1459 | 3290175 | 1116 | 0 | 0 | 403046.44 | 0 | 904798.1 | 32901.75 | 16450.875 | 13160.7 | 0.143051
37098 | [NAME] ECU | Lewiston | UT | 01 | [NAME] | 0.2621 | 321718 | 175 | 0 | 0 | 39410.453 | 0 | 88472.45 | 3217.18 | 1608.59 | 1286.872 | 0.013988
37850 | Employees First CU | Logan | UT | 01 | [NAME] | 0.2497 | 1853905 | 789 | 0 | 0 | 227103.36 | 0 | 509823.88 | 18539.05 | 9269.525 | 7415.62 | 0.080605
District Totals |  |  |  |  |  |  | 7436114766 | 796101 | 440107249 | 0.05918510712237708 | 910924061.3570001 | 0.4831437302736014 | 2044931607.88 | 989354630.09 | 188868424.61 | 151094739.454 | 1642.334086
31531 | Utah First FCU | [NAME] | UT | 02 | [NAME] | 0.0868 | 251122297 | 21989 | 38529198 | 0.153428 | 30762482 | 1.252474 | 69058632 | 86494120 | 11558759 | 11558759 | 125.638689
31351 | American United Family Of Credit Un FCU | [NAME] | UT | 02 | [NAME] | 0.0981 | 143254715 | 17162 | 9882676 | 0.068987 | 17548702 | 0.563157 | 39395048 | 22185600 | 6151461.5 | 4921169.5 | 53.49097
31453 | Trans West CU | [NAME] | UT | 02 | [NAME] | 0.0482 | 110720329 | 12811 | 4517647 | 0.040802 | 13563240 | 0.33308 | 30448090 | 0 | 0 | 0 | 0
31318 | Horizon Utah FCU | Farmington | UT | 02 | [NAME] | 0.0971 | 117697767 | 11461 | 4010181 | 0.034072 | 14417976 | 0.278138 | 32366886 | 9002447 | 2496133 | 1996906.5 | 21.705505
31403 | Millard County CU | Fillmore | UT | 02 | [NAME] | 0.1179 | 28068124 | 5363 | 1914745 | 0.068218 | 3438345.2 | 0.55688 | 7718734 | 4298407 | 1191831.1 | 953464.9 | 10.363748
31265 | Associated Federal EFCU | [NAME] | UT | 02 | [NAME] | 0.1235 | 32042199 | 3539 | 1908278 | 0.059555 | 3925169.5 | 0.486164 | 8811605 | 4283889.5 | 1187805.8 | 950244.56 | 10.328745
31373 | Hi Land CU | [NAME] | UT | 02 | Blair Asay | 0.1686 | 39090581 | 2868 | 838685 | 0.021455 | 4788596 | 0.175142 | 10749910 | 1882762.2 | 522038.62 | 417630.9 | 4.539466
31302 | Chevron West CU | Bountiful | UT | 02 | [NAME] | 0.1268 | 85793030 | 5858 | 391542 | 0.004564 | 10509646 | 0.037255 | 23593084 | 878971.8 | 243714.92 | 194971.94 | 2.11926
31399 | LU 354 IBEW FCU | [NAME] | UT | 02 | [NAME] | 0.1278 | 18525234 | 2313 | 241620 | 0.013043 | 2269341.2 | 0.106471 | 5094439.5 | 542412.25 | 150396.12 | 120316.9 | 1.307792
31307 | Utah FCU | [NAME] | UT | 02 | [NAME] | 0.1067 | 18992642 | 2153 | 199932 | 0.010527 | 2326598.8 | 0.085933 | 5222976.5 | 448826.94 | 124447.47 | 99557.98 | 1.082152
31466 | Firefighters CU | [NAME] | UT | 02 | [NAME] | 0.1285 | 30764666 | 3404 | 77502 | 0.002519 | 3768671.5 | 0.020565 | 8460283 | 173984.08 | 48241.04 | 38592.832 | 0.419487
31390 | Health Care CU | [NAME] | UT | 02 | [NAME] | 0.1414 | 70704581 | 8903 | 35855 | 0.000507 | 8661311 | 0.00414 | 19443760 | 80490.81 | 22317.908 | 17854.326 | 0.194069
31268 | [NAME] | Taylorsville | UT | 02 | Brent Holmes | 0.1055 | 57835595 | 4807 | 0 | 0 | 7084860.5 | 0 | 15904789 | 578355.94 | 289177.97 | 231342.38 | 2.514591
31322 | Deseret News CU | [NAME] | UT | 02 | [NAME] | 0.1937 | 1712259 | 405 | 0 | 0 | 209751.73 | 0 | 470871.22 | 17122.59 | 8561.295 | 6849.036 | 0.074446
31329 | Dugway FCU | Dugway | UT | 02 | [NAME] | 0.1903 | 3818051 | 825 | 0 | 0 | 467711.25 | 0 | 1049964 | 38180.51 | 19090.256 | 15272.204 | 0.166002
31335 | Varian SL Employees FCU | [NAME] | UT | 02 | [NAME] | 0.1808 | 13802065 | 1242 | 0 | 0 | 1690753 | 0 | 3795568 | 138020.66 | 69010.33 | 55208.26 | 0.60009
31342 | Premier Services CU | [NAME] | UT | 02 | [NAME] | 0.0928 | 20276474 | 3165 | 0 | 0 | 2483868 | 0 | 5576030.5 | 202764.73 | 101382.37 | 81105.9 | 0.881586
31357 | Tri County CU | Panguitch | UT | 02 | [NAME] | 0.2784 | 158663 | 88 | 0 | 0 | 19436.217 | 0 | 43632.324 | 1586.63 | 793.315 | 634.652 | 0.006898
31360 | Gibbons & Reed EFCU | [NAME] | UT | 02 | [NAME] | 0.1444 | 5358255 | 1460 | 0 | 0 | 656386.25 | 0 | 1473520.1 | 53582.55 | 0 | 0 | 0
31368 | Grantsville FCU | Grantsville | UT | 02 | [NAME] | 0.0839 | 4867736 | 1629 | 0 | 0 | 596297.7 | 0 | 1338627.4 | 48677.36 | 0 | 0 | 0
31404 | Meadow Gold Employees CU | [NAME] | UT | 02 | [NAME] | 0.2052 | 5144622 | 641 | 0 | 0 | 630216.2 | 0 | 1414771 | 51446.22 | 25723.11 | 20578.488 | 0.223679
31420 | Newspaper ECU | [NAME] | UT | 02 | [NAME] | 0.1703 | 6191276 | 911 | 0 | 0 | 758431.3 | 0 | 1702600.9 | 61912.76 | 30956.38 | 24765.104 | 0.269186
31438 | Phillips-Wasatch CU | Centerville | UT | 02 | [NAME] | 0.1614 | 5709792 | 909 | 0 | 0 | 699449.5 | 0 | 1570192.8 | 57097.92 | 28548.96 | 22839.168 | 0.248252
31479 | S E A CU | Central Vly | UT | 02 | [NAME] | 0.2661 | 3649362 | 827 | 0 | 0 | 447046.84 | 0 | 1003574.56 | 36493.62 | 18246.81 | 14597.448 | 0.158668
31488 | South Sanpete CU | Manti | UT | 02 | [NAME] | 0.1196 | 744882 | 205 | 0 | 0 | 91248.05 | 0 | 204842.55 | 7448.82 | 3724.41 | 2979.528 | 0.032386
31497 | Tanner ECU | [NAME] | UT | 02 | [NAME] | 0.0982 | 6429099 | 1270 | 0 | 0 | 787564.6 | 0 | 1768002.2 | 64290.99 | 32145.494 | 25716.396 | 0.279526
36007 | UCB CU | [NAME] | UT | 02 | Teresa Wilko | 0.1935 | 1382268 | 270 | 0 | 0 | 169327.83 | 0 | 380123.7 | 13822.68 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 1083856564 | 116478 | 62547861 | 0.05770861484582936 | 132772428.167 | 0.4710907367102442 | 298060558.254 | 131642715.56 | 24324507.178 | 21771357.902 | 236.645193
31290 | Utah Community FCU | Provo | UT | 03 | [NAME] | 0.0971 | 879929741 | 116015 | 67655980 | 0.076888 | 107791392 | 0.627657 | 241980672 | 151880768 | 0 | 0 | 0
31293 | Eastern Utah Community FCU | Price | UT | 03 | [NAME] | 0.0868 | 102537500 | 12584 | 8090442 | 0.078902 | 12560844 | 0.6441 | 28197812 | 18162216 | 5035887.5 | 4028710 | 43.790325
31435 | Pacific Horizon CU | Springville | UT | 03 | [NAME] | 0.0914 | 42897494 | 5809 | 1812978 | 0.042263 | 5254943 | 0.345004 | 11796811 | 4069950.5 | 1128486.2 | 902789.06 | 9.812924
31419 | Nebo CU | Springville | UT | 03 | [NAME] | 0.1411 | 67326032 | 10112 | 678531 | 0.010078 | 8247439 | 0.082272 | 18514658 | 1523232.9 | 422350.94 | 337880.75 | 3.672617
31448 | Provo Postal CU | Provo | UT | 03 | [NAME] | 0.0815 | 6316263 | 919 | 567724 | 0.089883 | 773742.2 | 0.733738 | 1736972.4 | 1274482.5 | 0 | 0 | 0
31450 | Freedom Credit Union | Provo | UT | 03 | [NAME] | 0.1066 | 23792569 | 3152 | 459356 | 0.019307 | 2914589.8 | 0.157606 | 6542956.5 | 1031207.4 | 285925.7 | 228740.53 | 2.48631
31313 | CUP FCU | Provo | UT | 03 | [NAME] | 0.1506 | 6507109 | 1307 | 160406 | 0.024651 | 797120.9 | 0.201232 | 1789455 | 360095.1 | 0 | 0 | 0
31478 | San Juan CU | Blanding | UT | 03 | [NAME] | 0.1005 | 15543344 | 3876 | 123464 | 0.007943 | 1904059.6 | 0.064843 | 4274419.5 | 277164.1 | 0 | 0 | 0
31298 | Desertview FCU | Huntington | UT | 03 | [NAME] | 0.1055 | 31435068 | 5243 | 64509 | 0.002052 | 3850795.8 | 0.016752 | 8644644 | 144816.12 | 40153.562 | 32122.85 | 0.349161
31256 | [NAME] | Orem | UT | 03 | [NAME] | 0.112 | 159804291 | 22512 | 0 | 0 | 19576026 | 0 | 43946180 | 1598042.9 | 799021.44 | 639217.2 | 6.948013
31365 | Grand County CU | [NAME] | UT | 03 | [NAME] | 0.1067 | 16483760 | 2503 | 0 | 0 | 2019260.6 | 0 | 4533034 | 164837.6 | 0 | 0 | 0
31387 | Sunnyside CU | Sunnyside | UT | 03 | [NAME] | 0.1536 | 3326271 | 713 | 0 | 0 | 407468.2 | 0 | 914724.5 | 33262.71 | 16631.355 | 13305.084 | 0.14462
31431 | Orem City EFCU | Orem | UT | 03 | [NAME] | 0.1136 | 4043473 | 840 | 0 | 0 | 495325.44 | 0 | 1111955.1 | 40434.73 | 20217.365 | 16173.892 | 0.175803
31447 | Provo Police & Fire Dept CU | Provo | UT | 03 | [NAME] | 0.1055 | 2881257 | 970 | 0 | 0 | 352953.97 | 0 | 792345.7 | 28812.57 | 14406.285 | 11525.028 | 0.125272
35516 | Valtek CU | Springville | UT | 03 | [NAME] | 0.1059 | 728231 | 215 | 0 | 0 | 89208.3 | 0 | 200263.53 | 7282.31 | 3641.155 | 2912.924 | 0.031662
39266 | Beckstrand & Associates ECU | [NAME] | UT | 03 | [NAME] | 0.4949 | 303730 | 34 | 0 | 0 | 37206.926 | 0 | 83525.75 | 3037.3 | 1518.65 | 1214.92 | 0.013206
District Totals |  |  |  |  |  |  | 1363856133 | 186804 | 79613390 | 0.05837374490876744 | 167072375.736 | 0.476520368189421 | 375060428.98 | 180599642.74 | 7768240.152000002 | 6214592.238 | 67.549913
31475 | Mountain America FCU | West Jordan | UT | 04 | Sterling Nielsen | 0.0847 | 3541364879 | 419256 | 317607455 | 0.089685 | 433817184 | 0.732123 | 973875330 | 712996350 | 197694432 | 158155552 | 1719.082055
31316 | Cyprus FCU | West Jordan | UT | 04 | [NAME] | 0.0894 | 633741673 | 77275 | 72759544 | 0.114809 | 77633352 | 0.93722 | 174278960 | 163337744 | 21827864 | 21827864 | 237.259383
31515 | University FCU | [NAME] | UT | 04 | [NAME] | 0.0953 | 650302961 | 77481 | 51253785 | 0.078815 | 79662112 | 0.64339 | 178833312 | 115059520 | 31902866 | 25522292 | 277.416228
31391 | Deseret First FCU | [NAME] | UT | 04 | Shane London | 0.0578 | 430333958 | 52672 | 22598152 | 0.052513 | 52715908 | 0.428678 | 118341840 | 0 | 0 | 0 | 0
31367 | Granite FCU | [NAME] | UT | 04 | [NAME] | 0.0858 | 350605646 | 29755 | 17590102 | 0.050171 | 42949192 | 0.409556 | 96416552 | 39487984 | 10948941 | 8759153 | 95.208183
31385 | Jordan FCU | Sandy | UT | 04 | [NAME] | 0.0841 | 223734349 | 25068 | 8745866 | 0.03909 | 27407458 | 0.319105 | 61526944 | 19633576 | 5443855.5 | 4355084.5 | 47.337873
31411 | Utah Heritage CU | Moroni | UT | 04 | [NAME] | 0.0902 | 47426149 | 7358 | 2190796 | 0.046194 | 5809703.5 | 0.377093 | 13042191 | 4918113.5 | 1363658.8 | 1090927 | 11.857902
31536 | Utah Power CU | [NAME] | UT | 04 | [NAME] | 0.1231 | 494110765 | 24075 | 1999724 | 0.004047 | 60528568 | 0.033038 | 135880464 | 4489176.5 | 1244726.1 | 995780.94 | 10.823706
31269 | Bailey Inc ECU | W Valley City | UT | 04 | [NAME] | 0.0992 | 772642 | 425 | 0 | 0 | 94648.65 | 0 | 212476.55 | 7726.42 | 3863.21 | 3090.568 | 0.033593
31299 | Midvalley FCU | [NAME] | UT | 04 | [NAME] | 0.3088 | 6705107 | 733 | 0 | 0 | 821375.6 | 0 | 1843904.4 | 67051.07 | 33525.535 | 26820.428 | 0.291526
31366 | Granite Furniture EFCU | West Jordan | UT | 04 | [NAME] | 0.39 | 816378 | 152 | 0 | 0 | 100006.305 | 0 | 224503.95 | 8163.78 | 4081.89 | 3265.512 | 0.035495
31417 | National JACL CU | [NAME] | UT | 04 | [NAME] | 0.1184 | 31135193 | 4269 | 0 | 0 | 3814061.2 | 0 | 8562178 | 311351.94 | 155675.97 | 124540.77 | 1.353704
31421 | North Sanpete FCU | Mt Pleasant | UT | 04 | [NAME] | 0.1728 | 1194690 | 456 | 0 | 0 | 146349.53 | 0 | 328539.75 | 11946.9 | 0 | 0 | 0
31442 | P & S CU | [NAME] | UT | 04 | [NAME] | 0.1011 | 13738056 | 2588 | 0 | 0 | 1682911.9 | 0 | 3777965.5 | 137380.56 | 68690.28 | 54952.223 | 0.597307
31462 | St Marks EFCU | [NAME] | UT | 04 | Berniece Sanders | 0.0865 | 7639654 | 1120 | 0 | 0 | 935857.6 | 0 | 2100904.8 | 76396.54 | 38198.27 | 30558.615 | 0.332159
31480 | Sheet Metal Workers Local 312 FCU | [NAME] | UT | 04 | [NAME] | 0.0455 | 3809066 | 2087 | 0 | 0 | 466610.6 | 0 | 1047493.1 | 0 | 0 | 0 | 0
31498 | Teamsters Local 222 FCU | [NAME] | UT | 04 | [NAME] | 0.0729 | 2755029 | 930 | 0 | 0 | 337491.06 | 0 | 757633 | 27550.29 | 13775.145 | 11020.116 | 0.119784
31500 | Nephi Western EFCU | Nephi | UT | 04 | [NAME] | 0.2657 | 28655444 | 3739 | 0 | 0 | 3510292 | 0 | 7880247 | 286554.44 | 143277.22 | 114621.77 | 1.245889
31537 | Utah Prison ECU | Draper | UT | 04 | [NAME] | 0.1008 | 3851062 | 1519 | 0 | 0 | 471755.1 | 0 | 1059042 | 38510.62 | 19255.31 | 15404.248 | 0.167437
District Totals |  |  |  |  |  |  | 6472692701 | 730958 | 494745424 | 0.07643579679343718 | 792904837.045 | 0.6239657029257366 | 1779990481.05 | 1060895096.56 | 270906686.23 | 221090927.69 | 2403.162224000001
State Totals |  |  |  |  |  |  | 16356520164 | 1830341 | 1077013924 | 0.06584615267802876 | 2003673702.305 | 0.5375196184693233 | 4498043076.164 | 2362492084.95 | 491867858.1700001 | 400171617.284 | 4349.691416000001