A thrift has a negative annual CGAP of $35 million. A creditunion has an annual

A thrift has a negative annual CGAP of $35 million. A creditunion has an annual CGAP of +$8 million. The thrift has totalassets of $500 million and the credit union has total assets of $40million. Assuming a zero spread effect if all interest ratesdecrease 35 basis points what is the change in NII for the thrift?For the credit union?