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

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