Spreadsheet: 795b2add-0a62-4c97-ae9a-90756b4f864b
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 Arizona CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 480705649 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 229809844.937 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 194966079.863 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 2119.196509999999 |  | 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
10660 | Pinal County FCU | Casa Grande | AZ | 01 | [NAME] | 0.0694 | 106895270 | 19207 | 4408218 | 0.041239 | 13094671 | 0.336642 | 29396200 | 9896000 | 0 | 0 | 0
10596 | Coconino FCU | Flagstaff | AZ | 01 | [NAME] | 0.0863 | 56808497 | 8291 | 0 | 0 | 6959041 | 0 | 15622337 | 568085 | 284042.5 | 227233.98 | 2.469935
10622 | Ray FCU | Kearny | AZ | 01 | [NAME] | 0.1593 | 6269911 | 1605 | 0 | 0 | 768064.1 | 0 | 1724225.5 | 62699.11 | 0 | 0 | 0
10643 | First American CU | Casa Grande | AZ | 01 | [NAME] | 0.076 | 95006862 | 21027 | 0 | 0 | 11638341 | 0 | 26126888 | 950068.6 | 0 | 0 | 0
10683 | Snowflake Mills FCU | Snowflake | AZ | 01 | [NAME] | 0.1077 | 12658251 | 2067 | 0 | 0 | 1550635.8 | 0 | 3481019 | 126582.51 | 63291.254 | 50633.004 | 0.550359
10717 | Winslow Santa Fe CU | Winslow | AZ | 01 | [NAME] | 0.1167 | 12361912 | 1962 | 0 | 0 | 1514334.2 | 0 | 3399525.8 | 123619.12 | 61809.56 | 49447.65 | 0.537474
10718 | Winslow School EFCU | Winslow | AZ | 01 | [NAME] | 0.1242 | 4432778 | 539 | 0 | 0 | 543015.3 | 0 | 1219014 | 44327.78 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 294433481 | 54698 | 4408218 | 0.01497186388255893 | 36068102.4 | 0.1222192936881537 | 80969209.3 | 11771382.12 | 409143.314 | 327314.634 | 3.557768
10601 | Vantage West CU | Tucson | AZ | 02 | [NAME] | 0.1248 | 1205721355 | 118820 | 44040857 | 0.036527 | 147700864 | 0.298176 | 331573376 | 98867230 | 27413186 | 21930550 | 238.375535
10703 | Tucson FCU | Tucson | AZ | 02 | [NAME] | 0.0801 | 354715728 | 48774 | 18162699 | 0.051204 | 43452676 | 0.417988 | 97546824 | 40773404 | 11305353 | 9044283 | 98.307421
10664 | Pyramid FCU | Tucson | AZ | 02 | [NAME] | 0.1111 | 133598241 | 16161 | 757345 | 0.005669 | 16365785 | 0.046276 | 36739516 | 1700162.2 | 0 | 0 | 0
10617 | American Southwest CU | Sierra Vista | AZ | 02 | [NAME] | 0.0884 | 171841854 | 20782 | 725000 | 0.004219 | 21050628 | 0.034441 | 47256508 | 1627551 | 0 | 0 | 0
10694 | Tombstone FCU | Tombstone | AZ | 02 | Clell Lightner | 0.0284 | 9214722 | 2331 | 419794 | 0.045557 | 1128803.5 | 0.371893 | 2534048.5 | 0 | 0 | 0 | 0
10594 | Southeastern Arizona FCU | [NAME] | AZ | 02 | [NAME] | 0.1263 | 29489224 | 5627 | 0 | 0 | 3612430 | 0 | 8109536.5 | 294892.25 | 0 | 0 | 0
10595 | [NAME] | Willcox | AZ | 02 | [NAME] | 0.1336 | 27364842 | 4170 | 0 | 0 | 3352193.2 | 0 | 7525331.5 | 273648.4 | 136824.2 | 109459.37 | 1.189776
10656 | Pima FCU | Tucson | AZ | 02 | [NAME] | 0.1016 | 394861824 | 51077 | 0 | 0 | 48370572 | 0 | 108587000 | 3948618.2 | 0 | 0 | 0
10699 | Hughes FCU | Tucson | AZ | 02 | [NAME] | 0.0855 | 751998517 | 77167 | 0 | 0 | 92119816 | 0 | 206799600 | 7519985 | 3759992.5 | 3007994 | 32.695588
10700 | Tucson Old Pueblo CU | Tucson | AZ | 02 | [NAME] | 0.0657 | 137217804 | 12379 | 0 | 0 | 16809180 | 0 | 37734896 | 1372178 | 686089 | 548871.2 | 5.965991
District Totals |  |  |  |  |  |  | 3216024111 | 357288 | 64105695 | 0.01993321342981685 | 393962947.7 | 0.1627201120670262 | 884406636.5 | 156377669.05 | 43301444.7 | 34641157.57000001 | 376.5343109999999
10562 | AEA FCU | Yuma | AZ | 03 | Brian Mendivil | 0.0415 | 243520167 | 41220 | 25113475 | 0.103127 | 29831220 | 0.841852 | 66968044 | 0 | 0 | 0 | 0
10567 | APC EFCU | Tucson | AZ | 03 | [NAME] | 0.1867 | 1166181 | 198 | 0 | 0 | 142857.17 | 0 | 320699.78 | 11661.81 | 5830.905 | 4664.724 | 0.050704
District Totals |  |  |  |  |  |  | 244686348 | 41418 | 25113475 | 0.1026353746552301 | 29974077.17 | 0.8378398059619061 | 67288743.78 | 11661.81 | 5830.905 | 4664.724 | 0.050704
10640 | Mohave Community FCU | Kingman | AZ | 04 | [NAME] | 0.0827 | 25215545 | 5461 | 0 | 0 | 3088904.2 | 0 | 6934275 | 252155.45 | 0 | 0 | 0
10662 | Prescott FCU | Prescott | AZ | 04 | [NAME] | 0.1365 | 6643640 | 1304 | 0 | 0 | 813845.9 | 0 | 1827001 | 66436.4 | 33218.2 | 26574.56 | 0.288854
District Totals |  |  |  |  |  |  | 31859185 | 6765 | 0 | 0 | 3902750.1 | 0 | 8761276 | 318591.85 | 33218.2 | 26574.56 | 0.288854
10575 | Arizona State CU | Phoenix | AZ | 06 | [NAME] | 0.0976 | 1432340275 | 126238 | 185303347 | 0.129371 | 175461680 | 1.05609 | 393893568 | 415987104 | 55591004 | 55591004 | 604.250045
10565 | Alhambra CU | Phoenix | AZ | 06 | [NAME] | 0.0819 | 20526206 | 3923 | 0 | 0 | 2514460.2 | 0 | 5644706.5 | 205262.06 | 102631.03 | 82104.82 | 0.892444
10653 | SunWest FCU | Phoenix | AZ | 06 | [NAME] | 0.1477 | 271976074 | 41517 | 0 | 0 | 33317070 | 0 | 74793424 | 2719760.8 | 1359880.4 | 1087904.2 | 11.825047
10668 | Canyon State CU | Phoenix | AZ | 06 | [NAME] | 0.1117 | 138027678 | 17022 | 0 | 0 | 16908390 | 0 | 37957612 | 1380276.8 | 690138.4 | 552110.7 | 6.001203
10677 | Desert Medical FCU | Scottsdale | AZ | 06 | [NAME] | 0.0744 | 10543548 | 2245 | 0 | 0 | 1291584.6 | 0 | 2899475.8 | 105435.48 | 52717.74 | 42174.19 | 0.458415
34423 | Deer Valley CU | Phoenix | AZ | 06 | [NAME] | 0.0753 | 209313297 | 15727 | 0 | 0 | 25640878 | 0 | 57561156 | 2093133 | 1046566.5 | 837253.2 | 9.100578
District Totals |  |  |  |  |  |  | 2082727078 | 206672 | 185303347 | 0.08897149749353765 | 255134062.8 | 0.726297950835595 | 572749942.3 | 422490972.14 | 58842938.07 | 58192551.11000001 | 632.527732
10561 | [NAME] FCU | Phoenix | AZ | 07 | [NAME] | 0.0922 | 3250756059 | 316329 | 84951934 | 0.026133 | 398217632 | 0.21333 | 893957890 | 190708416 | 52878244 | 42302596 | 459.810823
10568 | Arizona Central CU | Phoenix | AZ | 07 | [NAME] | 0.0857 | 413231541 | 56854 | 35331497 | 0.0855 | 50620864 | 0.697963 | 113638672 | 79315608 | 21992054 | 17593644 | 191.235254
10650 | Arizona FCU | Phoenix | AZ | 07 | [NAME] | 0.0967 | 1324829878 | 152479 | 2743116 | 0.002071 | 162291664 | 0.016902 | 364328224 | 6158015.5 | 1707449.8 | 1365959.8 | 14.847389
10611 | Banner FCU | Phoenix | AZ | 07 | [NAME] | 0.0988 | 58485766 | 10052 | 0 | 0 | 7164506.5 | 0 | 16083586 | 584857.7 | 292428.84 | 233943.06 | 2.542859
10619 | JACL CU | Glendale | AZ | 07 | [NAME] | 0.1777 | 866975 | 180 | 0 | 0 | 106204.44 | 0 | 238418.12 | 8669.75 | 4334.875 | 3467.9 | 0.037695
10631 | MariSol FCU | Phoenix | AZ | 07 | [NAME] | 0.0891 | 32620987 | 7215 | 0 | 0 | 3996071 | 0 | 8970771 | 326209.88 | 0 | 0 | 0
10670 | Southwest Healthcare CU | Phoenix | AZ | 07 | [NAME] | 0.0997 | 16276012 | 2283 | 0 | 0 | 1993811.5 | 0 | 4475903.5 | 162760.12 | 81380.06 | 65104.047 | 0.707653
10680 | Shamrock Foods FCU | Phoenix | AZ | 07 | [NAME] | 0.0923 | 4349834 | 1378 | 0 | 0 | 532854.7 | 0 | 1196204.4 | 43498.34 | 21749.17 | 17399.336 | 0.189123
10707 | U-Haul FCU | Phoenix | AZ | 07 | [NAME] | 0.1205 | 5206630 | 3161 | 0 | 0 | 637812.2 | 0 | 1431823.2 | 52066.3 | 26033.15 | 20826.52 | 0.226375
District Totals |  |  |  |  |  |  | 5106623682 | 549931 | 123026547 | 0.02409156316602066 | 625561420.3400002 | 0.1966658156974156 | 1404321492.22 | 277360101.59 | 77003673.89500001 | 61602940.663 | 669.597171
10626 | Credit Union West | Glendale | AZ | 08 | [NAME] | 0.0984 | 498360893 | 50472 | 13570190 | 0.02723 | 61049208 | 0.222283 | 137049248 | 30463692 | 8446751 | 6757400.5 | 73.450008
10686 | Aero FCU | Glendale | AZ | 08 | [NAME] | 0.1579 | 205554719 | 15859 | 0 | 0 | 25180454 | 0 | 56527548 | 2055547.2 | 1027773.6 | 822218.9 | 8.937162
District Totals |  |  |  |  |  |  | 703915612 | 66331 | 13570190 | 0.01927814892674947 | 86229662 | 0.1573726451577649 | 193576796 | 32519239.2 | 9474524.6 | 7579619.4 | 82.38717
10641 | TruWest Credit Union | Tempe | AZ | 09 | [NAME] | 0.1002 | 821345616 | 59398 | 37066393 | 0.045129 | 100614840 | 0.368399 | 225870048 | 83210270 | 23071938 | 18457550 | 200.625552
10673 | [NAME] | Tempe | AZ | 09 | [NAME] | 0.0729 | 173848519 | 17583 | 14983302 | 0.086186 | 21296444 | 0.703559 | 47808344 | 33635984 | 9326341 | 7461073 | 81.098618
10620 | First CU | [NAME] | AZ | 09 | [NAME] | 0.0799 | 413886464 | 41858 | 9567321 | 0.023116 | 50701092 | 0.1887 | 113818776 | 21477660 | 5955169 | 4764135.5 | 51.78408
10692 | Tempe Schools CU | Tempe | AZ | 09 | [NAME] | 0.0734 | 137232398 | 18279 | 3561161 | 0.02595 | 16810968 | 0.211836 | 37738908 | 7994443 | 2216641 | 1773312.9 | 19.275139
10583 | Bashas Associates FCU | Tempe | AZ | 09 | [NAME] | 0.1072 | 16620622 | 4834 | 0 | 0 | 2036026.2 | 0 | 4570671 | 166206.22 | 83103.11 | 66482.484 | 0.722636
10602 | EM FCU | Mesa | AZ | 09 | [NAME] | 0.2212 | 6940391 | 1474 | 0 | 0 | 850197.9 | 0 | 1908607.5 | 69403.91 | 34701.953 | 27761.564 | 0.301756
10674 | San Tan CU | [NAME] | AZ | 09 | [NAME] | 0.076 | 10235438 | 1698 | 0 | 0 | 1253841.1 | 0 | 2814745.5 | 102354.38 | 51177.19 | 40941.754 | 0.445019
District Totals |  |  |  |  |  |  | 1580109448 | 145124 | 65178177 | 0.04124915339408818 | 193563409.2 | 0.3367277796427653 | 434530100 | 146656321.51 | 40739071.253 | 32591257.202 | 354.2528000000001
State Totals |  |  |  |  |  |  | 13260378945 | 1428227 | 480705649 | 0.03625127539671529 | 1624396431.71 | 0.295928776754306 | 3646604196.1 | 1047505939.27 | 229809844.937 | 194966079.863 | 2119.19651