Spreadsheet: 01164ee7-f072-44e6-8867-67629ab65312
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 South Carolina CU's |  | All US CU's
 | Current total CU MBLs outstanding = | 79643816 |  | 43925044787
 | Proposed new authority (% of assets) = | 0.275 |  | 0.275
 | Estimated 1st year increases in CU MBL loans:
 | Baseline estimate (50% Use): | 45100983.55199999 |  | 16603552292.94519
 | Adjusted/conservative estimate (40% Use): | 36080786.712 |  | 13612389402.6238
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjusted/
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Conservative
 | Estimated increase in employment |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimate | Estimate
 | (Based on adjusted/conservative estimate of 1st year increase in CU MBLs) | 392.182467 |  | 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
28968 | Berkeley Community FCU | Moncks Corner | SC | 01 | [NAME] | 0.1775 | 9451648 | 2520 | 0 | 0 | 1157826.9 | 0 | 2599203.2 | 94516.48 | 0 | 0 | 0
28972 | Heritage Trust FCU | Summerville | SC | 01 | [NAME] | 0.0878 | 473924799 | 46015 | 0 | 0 | 58055788 | 0 | 130329320 | 4739248 | 2369624 | 1895699.2 | 20.605426
28977 | Latitude 32 FCU | Charleston | SC | 01 | [NAME] | 0.0861 | 51783342 | 7400 | 0 | 0 | 6343459.5 | 0 | 14240419 | 517833.4 | 258916.7 | 207133.38 | 2.25145
28979 | Charleston County Teachers FCU | Charleston | SC | 01 | Mildred Rouse | 0.097 | 1364665 | 980 | 0 | 0 | 167171.47 | 0 | 375282.88 | 13646.65 | 0 | 0 | 0
29082 | Santee Cooper CU | Moncks Corner | SC | 01 | [NAME] | 0.0923 | 43320266 | 7450 | 0 | 0 | 5306732.5 | 0 | 11913073 | 433202.66 | 216601.33 | 173281.06 | 1.88349
District Totals |  |  |  |  |  |  | 579844720 | 64365 | 0 | 0 | 71030978.37 | 0 | 159457298.08 | 5798447.190000001 | 2845142.03 | 2276113.64 | 24.740366
29127 | Carolina Collegiate FCU | Columbia | SC | 02 | [NAME] | 0.12 | 88573591 | 14770 | 1768860 | 0.019971 | 10850265 | 0.163025 | 24357738 | 3970910.2 | 1101025.1 | 880820.06 | 9.574131
29018 | AllSouth FCU | Columbia | SC | 02 | [NAME] | 0.1379 | 686836761 | 101743 | 1185440 | 0.001726 | 84137504 | 0.014089 | 188880112 | 2661191.8 | 737875.94 | 590300.75 | 6.416312
29083 | SRP FCU | North Augusta | SC | 02 | [NAME] | 0.0827 | 672196095 | 104515 | 334131 | 0.000497 | 82344024 | 0.004058 | 184853920 | 750090 | 0 | 0 | 0
00255 | Brookland Federal Credit Union | West Columbia | SC | 02 | [NAME] | 0.0773 | 3261539 | 1366 | 0 | 0 | 399538.53 | 0 | 896923.25 | 32615.39 | 16307.695 | 13046.156 | 0.141806
28997 | SC Membersfirst FCU | Columbia | SC | 02 | [NAME] | 0.0685 | 13017713 | 2765 | 0 | 0 | 1594669.9 | 0 | 3579871 | 130177.13 | 65088.566 | 52070.85 | 0.565988
29105 | 1st Cooperative FCU | Cayce | SC | 02 | [NAME] | 0.1445 | 12987117 | 2556 | 0 | 0 | 1590921.9 | 0 | 3571457.2 | 129871.17 | 0 | 0 | 0
29129 | Varo No 319 FCU | Columbia | SC | 02 | [NAME] | 0.1639 | 1487336 | 331 | 0 | 0 | 182198.66 | 0 | 409017.4 | 14873.36 | 7436.68 | 5949.344 | 0.064667
33647 | Beech Island CU | Beech Island | SC | 02 | [NAME] | 0.1394 | 7671099 | 1182 | 0 | 0 | 939709.6 | 0 | 2109552.2 | 76710.99 | 38355.496 | 30684.396 | 0.333526
District Totals |  |  |  |  |  |  | 1486031251 | 229228 | 3288431 | 0.002212894915761095 | 182038831.59 | 0.01806444796023754 | 408658591.05 | 7766440.04 | 1966089.477 | 1572871.556 | 17.09643
36398 | Southeast FCU | Ware Shoals | SC | 03 | [NAME] | 0.1425 | 47964919 | 6494 | 1831571 | 0.038186 | 5875702.5 | 0.311719 | 13190353 | 4111690 | 1140059.5 | 912047.6 | 9.913561
29053 | Neighbors United Credit Union | [NAME] | SC | 03 | [NAME] | 0.1326 | 39604480 | 4486 | 1392973 | 0.035172 | 4851549 | 0.287119 | 10891232 | 3127082.2 | 867054.6 | 693643.7 | 7.539605
28960 | [NAME] | [NAME] | SC | 03 | [NAME] | 0.0785 | 93657662 | 15363 | 0 | 0 | 11473064 | 0 | 25755858 | 936576.6 | 0 | 0 | 0
29052 | Upstate FCU | [NAME] | SC | 03 | [NAME] | 0.0829 | 35431349 | 7603 | 0 | 0 | 4340340.5 | 0 | 9743621 | 354313.5 | 0 | 0 | 0
29054 | [NAME] | [NAME] | SC | 03 | [NAME] | 0.0815 | 5628922 | 1346 | 0 | 0 | 689542.94 | 0 | 1547953.5 | 56289.22 | 0 | 0 | 0
29098 | Self Memorial Hospital FCU | [NAME] | SC | 03 | [NAME] | 0.1198 | 12637722 | 2810 | 0 | 0 | 1548121 | 0 | 3475373.5 | 126377.22 | 0 | 0 | 0
29102 | Pickens FCU | Pickens | SC | 03 | [NAME] | 0.1565 | 18524367 | 4202 | 0 | 0 | 2269235 | 0 | 5094201 | 185243.67 | 0 | 0 | 0
34318 | Abbeville Seaboard FCU | Abbeville | SC | 03 | [NAME] | 0.1565 | 6706388 | 1595 | 0 | 0 | 821532.5 | 0 | 1844256.8 | 67063.88 | 0 | 0 | 0
34346 | Greater Abbeville FCU | Abbeville | SC | 03 | [NAME] | 0.1468 | 12286608 | 2682 | 0 | 0 | 1505109.5 | 0 | 3378817.2 | 122866.08 | 0 | 0 | 0
35361 | AnMed Health FCU | [NAME] | SC | 03 | [NAME] | 0.1398 | 13017079 | 3246 | 0 | 0 | 1594592.1 | 0 | 3579696.8 | 130170.79 | 65085.395 | 52068.316 | 0.56596
35363 | Sangamo Oconee EFCU | West Union | SC | 03 | [NAME] | 0.22 | 4004657 | 556 | 0 | 0 | 490570.47 | 0 | 1101280.6 | 40046.57 | 20023.285 | 16018.628 | 0.174116
35798 | Greenwood Municipal FCU | [NAME] | SC | 03 | [NAME] | 0.1332 | 35387465 | 5780 | 0 | 0 | 4334964.5 | 0 | 9731553 | 353874.66 | 176937.33 | 141549.86 | 1.538585
36395 | Lakelands FCU | [NAME] | SC | 03 | [NAME] | 0.128 | 11729349 | 2550 | 0 | 0 | 1436845.2 | 0 | 3225571 | 117293.49 | 0 | 0 | 0
39553 | [NAME] FCU | [NAME] | SC | 03 | [NAME] | 0.241 | 6485064 | 1580 | 0 | 0 | 794420.3 | 0 | 1783392.6 | 64850.64 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 343066031 | 60293 | 3224544 | 0.00939919347479786 | 42025589.51 | 0.07672810869750486 | 94343159.99999999 | 9793738.520000003 | 2269160.11 | 1815328.104 | 19.731827
29024 | Greenville FCU | Greenville | SC | 04 | [NAME] | 0.0911 | 163722655 | 23177 | 7357906 | 0.044941 | 20056026 | 0.366868 | 45023732 | 16517748 | 4579921 | 3663936.8 | 39.825401
29108 | SC Telco FCU | Greenville | SC | 04 | [NAME] | 0.1059 | 254889324 | 42490 | 7330957 | 0.028761 | 31223942 | 0.234786 | 70094568 | 16457250 | 0 | 0 | 0
29114 | Carolina Foothills FCU | Spartanburg | SC | 04 | [NAME] | 0.0881 | 90963663 | 13125 | 1976544 | 0.021729 | 11143049 | 0.177379 | 25015008 | 4437139.5 | 0 | 0 | 0
29099 | Spartanburg Regional FCU | Spartanburg | SC | 04 | [NAME] | 0.0896 | 38167043 | 6913 | 1335223 | 0.034984 | 4675463 | 0.285581 | 10495937 | 2997439.5 | 0 | 0 | 0
29005 | Secured Advantage FCU | Simpsonville | SC | 04 | [NAME] | 0.1144 | 83115073 | 7722 | 0 | 0 | 10181596 | 0 | 22856646 | 831150.75 | 415575.38 | 332460.28 | 3.613699
29021 | GHS FCU | Greenville | SC | 04 | [NAME] | 0.0944 | 36599858 | 10757 | 0 | 0 | 4483482.5 | 0 | 10064961 | 365998.6 | 182999.3 | 146399.44 | 1.591298
29025 | [NAME] FCU | Greenville | SC | 04 | [NAME] | 0.135 | 69378933 | 11998 | 0 | 0 | 8498919 | 0 | 19079206 | 693789.3 | 0 | 0 | 0
29080 | St Francis FCU | Greenville | SC | 04 | Katia Marini-Nunez | 0.158 | 7780978 | 2292 | 0 | 0 | 953169.8 | 0 | 2139769 | 77809.78 | 0 | 0 | 0
29112 | Spartanburg City ECU | Spartanburg | SC | 04 | [NAME] | 0.2723 | 4179069 | 766 | 0 | 0 | 511935.94 | 0 | 1149244 | 41790.69 | 20895.346 | 16716.275 | 0.181699
36903 | Greenville Gas Turbine EFCU | Greenville | SC | 04 | [NAME] | 0.1606 | 24425906 | 3356 | 0 | 0 | 2992173.5 | 0 | 6717124 | 244259.06 | 122129.53 | 97703.625 | 1.061996
36905 | MTC FCU | Greenville | SC | 04 | [NAME] | 0.1352 | 138424887 | 15986 | 0 | 0 | 16957048 | 0 | 38066844 | 1384248.9 | 692124.44 | 553699.56 | 6.018473
38481 | Spartan FCU | Spartanburg | SC | 04 | [NAME] | 0.1226 | 12561104 | 2778 | 0 | 0 | 1538735.2 | 0 | 3454303.5 | 125611.04 | 62805.52 | 50244.414 | 0.546135
District Totals |  |  |  |  |  |  | 924208493 | 141360 | 18000630 | 0.01947680651750947 | 113215539.94 | 0.1589943395539134 | 254157342.5 | 44174235.12 | 6076450.515999999 | 4861160.394 | 52.838701
39210 | Founders FCU | Lancaster | SC | 05 | [NAME] | 0.1444 | 1670838953 | 194067 | 12142935 | 0.007268 | 204677776 | 0.059327 | 459480704 | 27259650 | 7558357.5 | 6046686 | 65.724848
24890 | Sharonview FCU | [NAME] | SC | 05 | [NAME] | 0.1081 | 1040692667 | 64755 | 3758007 | 0.003611 | 127484848 | 0.029478 | 286190496 | 8436342 | 2339167.5 | 1871334.1 | 20.340588
29072 | Family Trust FCU | Rock Hill | SC | 05 | [NAME] | 0.0865 | 306892087 | 48146 | 3177168 | 0.010353 | 37594280 | 0.084512 | 84395320 | 7132418 | 1977625 | 1582100 | 17.196739
29079 | SAFE FCU | Sumter | SC | 05 | [NAME] | 0.0971 | 855609238 | 105967 | 2158410 | 0.002523 | 104812128 | 0.020593 | 235292544 | 4845410 | 0 | 0 | 0
28970 | ArrowPointe FCU | Catawba | SC | 05 | [NAME] | 0.1028 | 115103577 | 13513 | 0 | 0 | 14100188 | 0 | 31653484 | 1151035.8 | 575517.9 | 460414.3 | 5.004503
28976 | 1st Patriots FCU | Rock Hill | SC | 05 | [NAME] | 0.105 | 30041219 | 3017 | 0 | 0 | 3680049.2 | 0 | 8261335 | 300412.2 | 150206.1 | 120164.875 | 1.30614
29048 | Mid Carolina CU | [NAME] | SC | 05 | [NAME] | 0.1618 | 105070288 | 13614 | 0 | 0 | 12871110 | 0 | 28894330 | 1050702.9 | 525351.44 | 420281.16 | 4.568273
District Totals |  |  |  |  |  |  | 4124248029 | 443079 | 21236520 | 0.005149185948728982 | 505220379.2 | 0.04203417137215909 | 1134168213 | 50175970.9 | 13126225.44 | 10500980.435 | 114.141091
28980 | South Carolina FCU | N Charleston | SC | 06 | [NAME] | 0.1037 | 1311013521 | 151329 | 12472848 | 0.009514 | 160599152 | 0.077664 | 360528704 | 28000272 | 7763711.5 | 6210969 | 67.510535
28999 | Palmetto Citizens FCU | Columbia | SC | 06 | [NAME] | 0.0926 | 584240372 | 55105 | 7686601 | 0.013157 | 71569448 | 0.107401 | 160666096 | 17255634 | 4784517 | 3827613.5 | 41.604495
28981 | CPM FCU | N Charleston | SC | 06 | [NAME] | 0.0864 | 279984321 | 65235 | 642614 | 0.002295 | 34298080 | 0.018736 | 76995688 | 1442602.9 | 0 | 0 | 0
29088 | S C State FCU | Columbia | SC | 06 | [NAME] | 0.1113 | 591137356 | 71895 | 227780 | 0.000385 | 72414328 | 0.003146 | 162562768 | 511342.84 | 141781.42 | 113425.14 | 1.232882
29090 | Palmetto Health CU | Columbia | SC | 06 | [NAME] | 0.0908 | 60690360 | 12906 | 146922 | 0.002421 | 7434569 | 0.019762 | 16689849 | 329824.9 | 91451.445 | 73161.16 | 0.79523
29013 | Edisto FCU | Orangeburg | SC | 06 | [NAME] | 0.1267 | 24113299 | 3370 | 58438 | 0.002423 | 2953879.2 | 0.019783 | 6631157 | 131187.34 | 0 | 0 | 0
28989 | CO FCU | Charleston | SC | 06 | [NAME] | 0.1663 | 1587577 | 403 | 0 | 0 | 194478.19 | 0 | 436583.7 | 15875.77 | 0 | 0 | 0
28996 | Columbia Post Office CU | Columbia | SC | 06 | [NAME] | 0.1184 | 31575725 | 1438 | 0 | 0 | 3868026.2 | 0 | 8683324 | 315757.25 | 157878.62 | 126302.9 | 1.372858
29000 | Palmetto Trust FCU | Columbia | SC | 06 | [NAME] | 0.0764 | 18857595 | 2792 | 0 | 0 | 2310055.5 | 0 | 5185838.5 | 188575.95 | 94287.98 | 75430.38 | 0.819895
29060 | TRMC ECU | Orangeburg | SC | 06 | [NAME] | 0.1518 | 4543183 | 1838 | 0 | 0 | 556539.94 | 0 | 1249375.4 | 45431.83 | 22715.914 | 18172.732 | 0.19753
29089 | South Carolina National Guard FCU | Columbia | SC | 06 | [NAME] | 0.1687 | 58951422 | 6509 | 0 | 0 | 7221549 | 0 | 16211641 | 589514.25 | 294757.12 | 235805.69 | 2.563105
29093 | SCHD Dist No 7 FCU | Orangeburg | SC | 06 | [NAME] | 0.1807 | 2443144 | 611 | 0 | 0 | 299285.12 | 0 | 671864.6 | 24431.44 | 0 | 0 | 0
29094 | SCI FCU | Florence | SC | 06 | [NAME] | 0.1887 | 15433491 | 1436 | 0 | 0 | 1890602.6 | 0 | 4244210 | 154334.9 | 77167.45 | 61733.965 | 0.671021
29107 | South Carolina Methdst Cnfrnc CU | Columbia | SC | 06 | [NAME] | 0.1007 | 5813220 | 1671 | 0 | 0 | 712119.44 | 0 | 1598635.5 | 58132.2 | 29066.1 | 23252.88 | 0.252749
29119 | Sumter City CU | Sumter | SC | 06 | [NAME] | 0.1572 | 2944954 | 841 | 0 | 0 | 360756.88 | 0 | 809862.4 | 29449.54 | 14724.77 | 11779.816 | 0.128041
District Totals |  |  |  |  |  |  | 2993329540 | 377379 | 21235203 | 0.007094174803085664 | 366682869.07 | 0.05791163097926504 | 823165597.1 | 49092367.11000001 | 13472059.319 | 10777647.163 | 117.148341
29104 | SPC CU | Hartsville | SC | 07 | [NAME] | 0.1015 | 128318296 | 21492 | 5377514 | 0.041908 | 15718991 | 0.342103 | 35287532 | 12071970 | 3347228 | 2677782.5 | 29.106331
29049 | Carolina Trust FCU | Myrtle Beach | SC | 07 | [NAME] | 0.0811 | 178323815 | 33843 | 3631572 | 0.020365 | 21844668 | 0.166245 | 49039048 | 8152508.5 | 0 | 0 | 0
29022 | Georgetown Kraft CU | Georgetown | SC | 07 | [NAME] | 0.1305 | 82364046 | 12983 | 2218919 | 0.02694 | 10089596 | 0.219921 | 22650112 | 4981246.5 | 1381163.9 | 1104931.1 | 12.010121
29010 | Dixies FCU | Darlington | SC | 07 | [NAME] | 0.1734 | 42449006 | 6608 | 743563 | 0.017517 | 5200003 | 0.142993 | 11673477 | 1669223 | 462830.03 | 370264.03 | 4.024609
36901 | Florence Du Pont EFCU | Florence | SC | 07 | [NAME] | 0.162 | 24914438 | 2197 | 300715 | 0.01207 | 3052018.8 | 0.09853 | 6851470.5 | 675074.5 | 0 | 0 | 0
38476 | Health Facilities FCU | Florence | SC | 07 | [NAME] | 0.0985 | 26705721 | 8655 | 244617 | 0.00916 | 3271450.8 | 0.074773 | 7344073.5 | 549140.2 | 0 | 0 | 0
29014 | Pee Dee FCU | Florence | SC | 07 | [NAME] | 0.1273 | 24241815 | 7670 | 141588 | 0.005841 | 2969622.2 | 0.047679 | 6666499 | 317850.62 | 0 | 0 | 0
29016 | Palmetto First FCU | Florence | SC | 07 | [NAME] | 0.1145 | 38011358 | 5444 | 0 | 0 | 4656391.5 | 0 | 10453123 | 380113.6 | 0 | 0 | 0
29058 | Nucor ECU | Florence | SC | 07 | [NAME] | 0.1514 | 30926948 | 6243 | 0 | 0 | 3788551.2 | 0 | 8504911 | 309269.47 | 154634.73 | 123707.79 | 1.34465
29103 | Sixth Postal CU | Florence | SC | 07 | Christina Osborn | 0.1657 | 1414971 | 290 | 0 | 0 | 173333.95 | 0 | 389117.03 | 14149.71 | 0 | 0 | 0
29122 | Trinity Baptist Church FCU | Florence | SC | 07 | [NAME] | 0.1101 | 2530476 | 252 | 0 | 0 | 309983.3 | 0 | 695880.9 | 25304.76 | 0 | 0 | 0
District Totals |  |  |  |  |  |  | 580200890 | 105677 | 12658488 | 0.02181742258271958 | 71074609.75 | 0.1781014070217951 | 159555243.93 | 29145850.86 | 5345856.660000001 | 4276685.42 | 46.485711
State Totals |  |  |  |  |  |  | 11030928954 | 1421381 | 79643816 | 0.007220046138645451 | 1351288797.43 | 0.05893915212756417 | 3033505445.66 | 195947049.74 | 45100983.552 | 36080786.712 | 392.182467