Spreadsheet: d52ecb6d-9979-4746-9e1f-f3e0e4b2442c
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 Delaware CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 11483925 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 11081282.773 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 8865026.376999998 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 96.35898399999996 |  | 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
13421 | Dover FCU | Dover | DE | 00 | [NAME] | 0.0912 | 401054124 | 38360 | 7213341 | 0.017986 | 49129132 | 0.146824 | 110289888 | 16193214 | 4489936.5 | 3591949.5 | 39.042928
13403 | American Spirit FCU | Newark | DE | 00 | [NAME] | 0.1333 | 65736499 | 11347 | 1870009 | 0.028447 | 8052721 | 0.232221 | 18077538 | 4197979.5 | 1163985.2 | 931188.1 | 10.12161
13409 | Del-One FCU | Dover | DE | 00 | [NAME] | 0.0839 | 309839734 | 37533 | 1020143 | 0.003292 | 37955368 | 0.026877 | 85205928 | 2290117 | 634987 | 507989.56 | 5.521626
13457 | Seaford FCU | Seaford | DE | 00 | [NAME] | 0.0645 | 19263117 | 5928 | 631226 | 0.032769 | 2359731.8 | 0.267499 | 5297357 | 1417038 | 392905.97 | 314324.78 | 3.416574
13413 | Delaware State Police FCU | Georgetown | DE | 00 | [NAME] | 0.0887 | 122408266 | 9589 | 625746 | 0.005112 | 14995013 | 0.04173 | 33662272 | 1404735.9 | 389494.97 | 311595.97 | 3.386913
13449 | Sussex County FCU | Seaford | DE | 00 | [NAME] | 0.1184 | 252872050 | 14705 | 63576 | 0.000251 | 30976826 | 0.002052 | 69539816 | 142721.62 | 0 | 0 | 0
13445 | New Castle Co School EFCU | New Castle | DE | 00 | [NAME] | 0.0891 | 44257782 | 8247 | 59884 | 0.001353 | 5421578.5 | 0.011045 | 12170890 | 134433.47 | 37274.734 | 29819.787 | 0.324128
13439 | Louviers FCU | Newark | DE | 00 | [NAME] | 0.0903 | 239639347 | 11121 | 0 | 0 | 29355820 | 0 | 65900820 | 2396393.5 | 1198196.8 | 958557.4 | 10.419102
01510 | Stepping Stones Community | [NAME] | DE | 00 | [NAME] | 0.1124 | 1378002 | 142 | 0 | 0 | 168805.25 | 0 | 378950.56 | 13780.02 | 0 | 0 | 0
13399 | Delaware First FCU | [NAME] | DE | 00 | [NAME] | 0.1191 | 27331698 | 3831 | 0 | 0 | 3348133 | 0 | 7516217 | 273316.97 | 136658.48 | 109326.79 | 1.188335
13401 | [NAME] | [NAME] | DE | 00 | [NAME] | 0.1086 | 65863023 | 9116 | 0 | 0 | 8068220.5 | 0 | 18112332 | 658630.25 | 329315.12 | 263452.1 | 2.86361
13411 | Delaware River & Bay Authority EFCU | New Castle | DE | 00 | [NAME] | 0.0902 | 7046499 | 624 | 0 | 0 | 863196.1 | 0 | 1937787.2 | 70464.99 | 35232.496 | 28185.996 | 0.30637
13412 | Delaware Alliance FCU | New Castle | DE | 00 | [NAME] | 0.1413 | 20156730 | 4888 | 0 | 0 | 2469199.5 | 0 | 5543101 | 201567.3 | 100783.65 | 80626.92 | 0.87638
13417 | DEXSTA FCU | [NAME] | DE | 00 | [NAME] | 0.0739 | 213240698 | 29306 | 0 | 0 | 26121986 | 0 | 58641192 | 2132407 | 1066203.5 | 852962.8 | 9.271335
13422 | Community Powered FCU | Bear | DE | 00 | [NAME] | 0.1188 | 119097151 | 9073 | 0 | 0 | 14589401 | 0 | 32751716 | 1190971.5 | 595485.75 | 476388.6 | 5.178137
13426 | Edge Moor Dupont EFCU | Edgemoor | DE | 00 | [NAME] | 0.1961 | 2439397 | 533 | 0 | 0 | 298826.12 | 0 | 670834.2 | 24393.97 | 12196.985 | 9757.588 | 0.106061
13431 | First State Refinery FCU | New Castle | DE | 00 | [NAME] | 0.224 | 7148703 | 580 | 0 | 0 | 875716.1 | 0 | 1965893.4 | 71487.03 | 35743.516 | 28594.812 | 0.310813
13435 | Provident FCU | Dover | DE | 00 | [NAME] | 0.1764 | 11683563 | 1521 | 0 | 0 | 1431236.5 | 0 | 3212979.8 | 116835.63 | 58417.816 | 46734.254 | 0.507981
13441 | Milford Memorial FCU | Milford | DE | 00 | [NAME] | 0.1216 | 3334471 | 983 | 0 | 0 | 408472.7 | 0 | 916979.5 | 33344.71 | 16672.355 | 13337.884 | 0.144977
13444 | New Castle Co Delaware EFCU | New Castle | DE | 00 | Meredith Jeffries | 0.1249 | 19250740 | 2532 | 0 | 0 | 2358215.8 | 0 | 5293953.5 | 192507.4 | 96253.7 | 77002.96 | 0.836989
13446 | Newport Site EFCU | Newport | DE | 00 | [NAME] | 0.0702 | 7121249 | 815 | 0 | 0 | 872353 | 0 | 1958343.5 | 71212.49 | 35606.246 | 28484.996 | 0.30962
13463 | U-Del FCU | Newark | DE | 00 | [NAME] | 0.1326 | 15803101 | 2025 | 0 | 0 | 1935879.9 | 0 | 4345853 | 158031.02 | 79015.51 | 63212.402 | 0.687091
13470 | Wilmington Postal FCU | [NAME] | DE | 00 | [NAME] | 0.1812 | 16157206 | 1889 | 0 | 0 | 1979257.8 | 0 | 4443231.5 | 161572.06 | 80786.03 | 64628.824 | 0.702487
13471 | Wilmington Police & Fire FCU | [NAME] | DE | 00 | [NAME] | 0.2054 | 16397698 | 2746 | 0 | 0 | 2008718 | 0 | 4509367 | 163976.98 | 81988.49 | 65590.79 | 0.712943
35205 | ICI America FCU | New Castle | DE | 00 | [NAME] | 0.135 | 2828391 | 591 | 0 | 0 | 346477.9 | 0 | 777807.5 | 28283.91 | 14141.955 | 11313.564 | 0.122974
District Totals |  |  |  |  |  |  | 2011349239 | 208025 | 11483925 | 0.00570956290301408 | 246390285.47 | 0.04660867606080297 | 553121047.66 | 33739416.21999998 | 11081282.773 | 8865026.376999998 | 96.35898399999999
State Totals |  |  |  |  |  |  | 2011349239 | 208025 | 11483925 | 0.00570956290301408 | 246390285.47 | 0.04660867606080297 | 553121047.66 | 33739416.21999998 | 11081282.773 | 8865026.376999998 | 96.35898399999999