Spreadsheet: 2bb6ef57-4afc-4db0-8a16-a3cf91b0376f
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 North Dakota CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 964413837 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 23124548.026 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 20712130.56499999 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 225.131854 |  | 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
24974 | First Community CU | Jamestown | ND | 00 | [NAME] | 0.1112 | 452304873 | 30534 | 257942669 | 0.570285 | 55407348 | 4.655387 | 124383840 | 579054980 | 0 | 0 | 0
25074 | Town & Country CU | Minot | ND | 00 | [NAME] | 0.1133 | 328921253 | 16863 | 211537852 | 0.643126 | 40292852 | 5.250009 | 90453344 | 474880896 | 0 | 0 | 0
25023 | Dakota West Credit Union | Watford City | ND | 00 | [NAME] | 0.0804 | 198108500 | 9364 | 111688719 | 0.563776 | 24268292 | 4.602249 | 54479836 | 250729776 | 0 | 0 | 0
25018 | Citizens Community CU | Devils Lake | ND | 00 | [NAME] | 0.112 | 138882087 | 9428 | 73629392 | 0.530158 | 17013056 | 4.327817 | 38192572 | 165290464 | 0 | 0 | 0
25076 | Western Cooperative CU | Williston | ND | 00 | [NAME] | 0.0896 | 318329455 | 20787 | 65350204 | 0.205291 | 38995360 | 1.675846 | 87540600 | 146704544 | 0 | 0 | 0
25016 | Hometown CU | Kulm | ND | 00 | [NAME] | 0.1017 | 79790145 | 2921 | 55507355 | 0.695667 | 9774293 | 5.678913 | 21942290 | 124608344 | 0 | 0 | 0
24963 | North Star Community CU | Maddock | ND | 00 | [NAME] | 0.1146 | 160179432 | 9134 | 54299098 | 0.338989 | 19621980 | 2.767259 | 44049344 | 121895936 | 0 | 0 | 0
24969 | Capital CU | Bismarck | ND | 00 | [NAME] | 0.098 | 318225328 | 25604 | 36874870 | 0.115877 | 38982604 | 0.945931 | 87511968 | 82780320 | 11062461 | 11062461 | 120.244141
24981 | Community CU | New Rockford | ND | 00 | Marvel Ebenhahn | 0.1125 | 168391363 | 5851 | 28643473 | 0.170101 | 20627942 | 1.388576 | 46307624 | 64301676 | 0 | 0 | 0
24982 | Dakota Plains CU | Edgeley | ND | 00 | [NAME] | 0.0724 | 58286697 | 3637 | 20707314 | 0.355267 | 7140120.5 | 2.900135 | 16028842 | 46485808 | 0 | 0 | 0
25028 | Northern Tier FCU | Minot Afb | ND | 00 | Darrell Roos | 0.0839 | 103453589 | 12114 | 8631796 | 0.083436 | 12673065 | 0.681114 | 28449736 | 19377502 | 5372852.5 | 4298282 | 46.720457
25017 | LaMoure CU | La Moure | ND | 00 | [NAME] | 0.0794 | 23795419 | 1454 | 8519740 | 0.358041 | 2914938.8 | 2.922785 | 6543740 | 19125946 | 0 | 0 | 0
24985 | Elm River CU | Kindred | ND | 00 | [NAME] | 0.1021 | 24038229 | 1579 | 8390510 | 0.349049 | 2944683 | 2.849376 | 6610513 | 18835838 | 0 | 0 | 0
25022 | Railway CU | Mandan | ND | 00 | [NAME] | 0.1288 | 65632196 | 4557 | 6754012 | 0.102907 | 8039944 | 0.840057 | 18048854 | 15162068 | 0 | 0 | 0
25068 | Affinity First FCU | Minot | ND | 00 | Janice Katin | 0.0905 | 44166114 | 3271 | 3963352 | 0.089737 | 5410349 | 0.73255 | 12145681 | 8897321 | 2466984.5 | 1973587.5 | 21.452038
25057 | Vue Community CU | Bismarck | ND | 00 | [NAME] | 0.1163 | 44110755 | 3783 | 3940868 | 0.08934 | 5403567.5 | 0.729309 | 12130458 | 8846847 | 2452989.2 | 1962391.4 | 21.330341
25036 | New Salem CU | New Salem | ND | 00 | [NAME] | 0.0712 | 20239630 | 1832 | 3827908 | 0.189129 | 2479354.8 | 1.543913 | 5565898 | 8593263 | 0 | 0 | 0
24996 | Flasher Community CU | Flasher | ND | 00 | [NAME] | 0.0714 | 8191105 | 845 | 2320004 | 0.283235 | 1003410.4 | 2.312119 | 2252554 | 5208172 | 0 | 0 | 0
25009 | Prairie FCU | Minot | ND | 00 | [NAME] | 0.0986 | 104275740 | 7832 | 805782 | 0.007727 | 12773778 | 0.063081 | 28675828 | 1808898.4 | 501558.2 | 401246.56 | 4.361376
25020 | Lisbon Farmers Union CU | Lisbon | ND | 00 | [NAME] | 0.6572 | 4712724 | 277 | 589134 | 0.125009 | 577308.7 | 1.020484 | 1295999.1 | 1322545.8 | 0 | 0 | 0
25059 | Ascentia FCU | Minot | ND | 00 | [NAME] | 0.096 | 13169721 | 1388 | 252624 | 0.019182 | 1613290.9 | 0.156589 | 3621673.2 | 567115.1 | 157245.55 | 125796.44 | 1.367353
25008 | AREA Community CU | Grand Forks | ND | 00 | [NAME] | 0.1233 | 20471820 | 2471 | 237161 | 0.011585 | 2507798 | 0.094569 | 5629750.5 | 532402.25 | 147620.62 | 118096.5 | 1.283658
24968 | Northern Valley FCU | Grand Forks | ND | 00 | [NAME] | 0.1053 | 12814631 | 1431 | 0 | 0 | 1569792.2 | 0 | 3524023.5 | 128146.31 | 0 | 0 | 0
24971 | City & County ECU | Fargo | ND | 00 | [NAME] | 0.0787 | 12470125 | 1475 | 0 | 0 | 1527590.2 | 0 | 3429284.5 | 124701.25 | 62350.625 | 49880.5 | 0.542179
24973 | GEM FCU | Minot | ND | 00 | Cassia Dahl | 0.0737 | 23246835 | 2142 | 0 | 0 | 2847737.2 | 0 | 6392879.5 | 232468.34 | 116234.17 | 92987.34 | 1.010732
24976 | Dakota Telco FCU | Fargo | ND | 00 | [NAME] | 0.1113 | 21241579 | 1165 | 0 | 0 | 2602093.5 | 0 | 5841434 | 212415.8 | 106207.9 | 84966.31 | 0.923547
24989 | Postal Family FCU | Fargo | ND | 00 | [NAME] | 0.127 | 19728464 | 2358 | 0 | 0 | 2416736.8 | 0 | 5425327.5 | 197284.64 | 98642.32 | 78913.86 | 0.857759
24990 | Fargo Public Schools FCU | Fargo | ND | 00 | Deb Mathern | 0.1459 | 29309907 | 2538 | 0 | 0 | 3590463.5 | 0 | 8060224.5 | 293099.06 | 0 | 0 | 0
24991 | Fargo VA FCU | Fargo | ND | 00 | Jana Thune | 0.1157 | 8592344 | 1318 | 0 | 0 | 1052562.1 | 0 | 2362894.5 | 85923.44 | 0 | 0 | 0
24993 | FFE FCU | Fargo | ND | 00 | [NAME] | 0.1097 | 4285137 | 562 | 0 | 0 | 524929.3 | 0 | 1178412.6 | 42851.37 | 21425.686 | 17140.549 | 0.18631
25000 | [NAME] | Bismarck | ND | 00 | [NAME] | 0.0785 | 15371503 | 1953 | 0 | 0 | 1883009.1 | 0 | 4227163.5 | 153715.03 | 76857.516 | 61486.01 | 0.668326
25004 | Riverfork FCU | Grand Forks | ND | 00 | [NAME] | 0.0905 | 21345170 | 2130 | 0 | 0 | 2614783.2 | 0 | 5869922 | 213451.7 | 0 | 0 | 0
25029 | Minot Area Schools FCU | Minot | ND | 00 | [NAME] | 0.065 | 11856033 | 1634 | 0 | 0 | 1452364 | 0 | 3260409 | 118560.33 | 59280.164 | 47424.133 | 0.51548
25034 | Northland Educators FCU | Fargo | ND | 00 | [NAME] | 0.0902 | 22520756 | 2745 | 0 | 0 | 2758792.5 | 0 | 6193208 | 225207.56 | 0 | 0 | 0
25038 | Freedom Community CU | Fargo | ND | 00 | [NAME] | 0.0948 | 23743825 | 3041 | 0 | 0 | 2908618.5 | 0 | 6529552 | 237438.25 | 118719.125 | 94975.3 | 1.03234
25042 | Northern States Power Co EFCU | Grand Forks | ND | 00 | [NAME] | 0.0852 | 1307918 | 127 | 0 | 0 | 160219.95 | 0 | 359677.44 | 13079.18 | 6539.59 | 5231.672 | 0.056866
25043 | [NAME] FCU | Minot | ND | 00 | [NAME] | 0.0914 | 4375218 | 485 | 0 | 0 | 535964.2 | 0 | 1203185 | 43752.18 | 21876.09 | 17500.871 | 0.190227
25048 | United Savings CU | Fargo | ND | 00 | [NAME] | 0.1887 | 38709226 | 3892 | 0 | 0 | 4741880 | 0 | 10645037 | 387092.25 | 193546.12 | 154836.9 | 1.68301
25061 | Med Park CU | Grand Forks | ND | 00 | [NAME] | 0.1037 | 16231430 | 2270 | 0 | 0 | 1988350.1 | 0 | 4463643 | 162314.3 | 81157.15 | 64925.72 | 0.705714
25067 | [NAME] | Tolna | ND | 00 | [NAME] | 0.1135 | 1849003 | 262 | 0 | 0 | 226502.88 | 0 | 508475.8 | 18490.03 | 0 | 0 | 0
25070 | University FCU | Grand Forks | ND | 00 | [NAME] | 0.0766 | 26937636 | 3700 | 0 | 0 | 3299860.5 | 0 | 7407850 | 269376.38 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 3013612915 | 210754 | 964413837 | 0.3200191478473273 | 369167585.33 | 2.612401183971523 | 828743548.1400001 | 2168170029.95 | 23124548.026 | 20712130.56499999 | 225.131854
State Totals |  |  |  |  |  |  | 3013612915 | 210754 | 964413837 | 0.3200191478473273 | 369167585.33 | 2.612401183971523 | 828743548.1400001 | 2168170029.95 | 23124548.026 | 20712130.56499999 | 225.131854