清潔能源轉型 – 為有韌性的未來提供資金.pdf

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1、#UIS2024Financing a Resilient Future:Navigating the Clean Energy TransitionThursday,October 24,2024#UIS2024#UIS2024SPEAKERSTerri MickelsenCEORobin RomanoCEOTucker BartlettEVP Self-Help Ventures FundNeda ArabshahiSVP,Center for Resiliency and Clean Energy#UIS2024#UIS2023Powering Green Growth through

2、Credit Unions ABOUT CLEAN ENERGY CREDIT UNIONClean Energy Credit Union focuses exclusively on providingloans for clean energy and energy saving projects.Offering clean energy loans with amazing termsOffering a variety of deposit accounts to help others afford clean energy&make investing in the clean

3、 energy movement easy and accessible.With a deposit of$5 anyone can join the movement.Our vision is a world where everyone can participate in the clean energy movement.We are making this a reality by:Our mission is to promote clean energy,environmental stewardship,and cooperative enterprises through

4、 the financial services we provide to our members.o13,200 Clean Energy Loanso9,714 Memberso$243M+in Clean Energy Loanso$47M+in Member Depositso950,000+est.tons of co2 offsetWHERE WE ARE TODAY:SERVING COMMUNITIESCredit Unions are ready for this!MEMBER FOCUS PROGRAMSAffordable Green LoansOpportunity t

5、o build custom programs based on community needsEducate and advocate in the communityFlexibility to create successful programs over timeCommunity-Centered MissionCommitment to Financial InclusionAlignment with Environemental and Social GoalsTrust and Community EngagementNot Everyone Can Afford Clean

6、 EnergySUPPORTING UNDERSERVED COMMUNITIESBlack and Hispanic populations exhibit 30%and 69%less rooftop PV adoption as compared to the average census tract.Only 31%of solar adopters came from below median income households.Barriers to Clean EnergyHigh Upfront CostsDiffifult for RentersFinancing Optio

7、ns are LimitedSystemic InequitiesClean energy solutions and energy efficiency/weatherization:Can lower energy bills-reducing their energy burden.Positively impact health by improving indoor air quality,safety,and comfort.Create local jobs.Impact of Clean Energy InvestmentSource:NREL#UIS2024#UIS2023#

8、UIS2024#UIS2024MARISOL FEDERAL CREDIT UNIONEnergy Lending#UIS2024MariSol is a Community Development Financial Institution and a Minority Deposit Institution serving the greater Phoenix area(Maricopa County)$50 million in assetsServing 7,500 members.21 staff with 4 graduates of the Inclusiv/Universit

9、y of New Hampshire Solar Lending SchoolSome MariSol Basics:#UIS2024Why do energy lending?It is part of our core values and mission as a CDFI.In 2023,there were 645 heat-related deaths in Maricopa County.In 2024,there were 389 heat related deaths,with another 292 deaths under investigation,that could

10、 mean 681 heat deaths.In 2024,Phoenix experienced 113 consecutive days over 100 degrees.Keeping cool costs money.Reducing energy costs matters.Heat kills,so reducing the temperature matters.#UIS2024Energy Efficient lendingAn E-Loan can be used for:Installation of solar panels can include a battery R

11、epair of the roof to install solar panels Energy-efficient windows Eternal window shades Solar water heater Energy-efficient water heater Heat pump or energy efficient air conditioning Solar Mini Split air conditioning unitStarted lending 4thqtr.2022.So far:$1 million in solar loans made,36%to low i

12、ncome.$400,00 in energy efficient loans(mainly AC loans),58%to low income.#UIS2024Educate yourself about energy lending.Learn about costs,kilowatts and rebates.Work with good partners.MariSol uses the Smart E program with Inclusiv Prosperity Capital for our solar lending.Find community partners that

13、 will help you to educate lower income communities about the benefits of energy efficiency.It is not an easy sell.Make your loan products affordable to all credit scores and income levels.For us,that means all credit scores get the same low rate.Things to consider#UIS2024As funding becomes available

14、,find ways to lower the cost of the loan and the product.Find community partners and vendors that are willing to speak the language of your community.Vetting is important!Especially solar vendors!Price gouging is real!Predatory tactics are real!Believe in your lending it matters again 113 consecutiv

15、e days of 100+degrees in Phoenix.Things to consider#UIS2024Our team Robin Romano,CEO robinrmarisolcu.org Tomas Rivas,CLO trivasmarisolcu.org Shana Knox,Home Lending sknoxmarisolcu.org Michelle Salas,Home lending msalasmarisolcu.org#UIS2024#UIS2023National Clean Investment FundClean Communities Inves

16、tment AcceleratorSolar for All TODAY WE ARE DISCUSSING THE NATIONAL CLEAN INVESTMENT FUND,ONE OF THREE GGRF PROGRAMSFocused on providing financial assistance to aid in the development and deployment of Qualified ProjectsPrioritizing scaled deployment,continued operability,and market transformationFo

17、cused on providing grant capital to support local project development Prioritizing seeding the market across geographies to enable and develop qualified projectsFocused on funding rooftop solar in disadvantaged communities(“Solar for All”programs)with/through state and local governments$14 BILLION3

18、AWARDEES$6 BILLION5 AWARDEES$7 BILLION60 AWARDEESClimate United is a collaboration of experienced mission-driven lenders and investors dedicated to bringing clean energy solutions to Justice40 communities across the country.A PARTNERSHIP OF:SELF-HELP STANDARD PRODUCTS FOR CONSUMERSHome Decarbonizati

19、onSolarElectric VehiclesPurchase of a Net-Zero Ready homeOr,purchase/refi plus renovation with 20%modeled energy reduction Or,Consumer Loan to renovate homeHigh LTV,discounted interest rate for LIDACSolar panels and battery storage systems for single-family householdsAlso exploring community solar a

20、nd third-party ownership(leasing)to build accessibility for LIDACDeep subsidy for LIDACNew and used electric vehiclesCan finance EV charger with the loanBattery Electric Vehicles(BEVs)and Plug-In Hybrid Vehicles(PHEVs)Deep subsidy for LIDACGreen Mortgages and/or Home Renovation Loans“Sun Savings”“El

21、ectrify”DETAILSPRODUCT NAME01PRIMARY PRODUCT APPROACHES Standardized products originated locally and aggregated to leverage secondary markets 02Direct investments into or Loan Loss Reserves supporting Community Lendersto facilitate standardized and tailored loans into qualified projects that will st

22、ay on the balance sheets of the Community LendersDirect investments from Climate Unitedinto qualified projects that require a customized financing solution and will stay on the balance sheet of Climate United03WHERE TO GO FOR CAPITAL SOLUTIONSARE YOU A LENDER?We recommend exploring opportunities thr

23、ough CCIA selectees to pursue TA,training,and capitalization grants to develop products/programs before seeking NCIF financingYes,but I am new to this type of climate financeYes,and I am interested in originating and selling loansSINGLE FAMILY/CONSUMERMULTIFAMILY HOUSINGCOMMERCIAL OR OTHERYes,and I

24、am interested in originating and holding loans CREDIT UNIONSCDFIS&GREEN BANKSSelf-Help Climate CapitalCPC Climate CapitalClimate United(Calvert Impact)Self-Help Climate CapitalClimate United(Calvert Impact)IMPLEMENTATION TIMELINEApril 4th Award announcementsApril 5-June 4 Review and negotiation of T

25、erms and ConditionsRevisions to work plan and budget July-AugAgreements finalized and signed June 5-Mid-JulyInternal EPA approvalsQ1 2025Fully operational August-December Ongoing guidance and clarity on terms and requirementsReporting templates and guidanceLimited initial deployment and program laun

26、chesPreparation for 2025 pipeline#UIS2024#UIS2023516 Credit UnionsIn 46 states,DC,Puerto Rico,Guam,andU.S.Virgin Islands$316.6 BillionIn community-owned assets managed by credit union network21.7 MillionCredit union members served with banking and financial servicesAbout InclusiveInclusives Credit U

27、nion Network National nonprofit organization founded 1974 Mission:To help low-and moderate-income people and communities achieve financial independence through credit unions Certified CDFI intermediary Offices:NYC(HQ),Georgia,Puerto Rico,Wisconsin Launched Center for Resiliency and Clean Energy in 2

28、019 make clean energy affordable and accessible for all people and communitiesSolar and Green Lending Training and Technical Assistance ProgramUniversity of New Hampshire-InclusiveOriginally Funded:by U.S.Department of EnergyWe provide free,virtual training to teach CUs how to build their green loan

29、 programs,step-by-stepImpact:400 community lenders trained(750+staff)in 5 years 70 of these lenders invested$3.38 billion in green projects in past 5 yearsWe built the nations first green lending training program for community lendersSo,What Does Credit Union Green Lending Look Like?Affordable green

30、 loans for projects that lower utility billsreduce air pollution,energy,and water usageCredit unions alreadyoffer loan products that could be adapted for green lending:unsecured consumer loanssecured vehicle loanschattel-secured“UCC-1”home equity line of credit or loanhome improvement loansappliance

31、 loansRooftop Solar Electric VehiclesEfficient AppliancesInsulation UpgradesEfficient Heating&CoolingAnd so much more!Inclusive awarded$1.87 billion from CCIAInclusive CCIA funds will provide$1.68 billion in grants to credit unions!Inclusive will provide competitive grants to credit unions average$3

32、.5 million grants(maximum grant is$11 million)to 300-400 credit unions over six yearsCU CCIA Grants Will Be Used To:1.Provide capital and operating costs for green lending2.Lower costs of energy upgrades for CU members3.Support Low-Income and Disadvantaged Communities(LIDACs)-100%of fundsInclusives$

33、1.68 Billion in Grants for Credit Unions All credit unions are eligible to apply Inclusive will support credit unions through the application process CCIA grant funds cover operating and capitalization costs Credit unions can offer familiar loan products using CCIA grant funds There are a wide range

34、 of energy projects that may be eligible for CCIA fundsInclusives CCIA Program DetailsInclusivesCCIA Grant Application and Awarding Process(Pre-Qualification Form Opens November 19,2024 -Full Application Coming in Q1 2025)How Can CUs Prepare for Green Lending Opportunities?Inclusive GGRF Intake Form

35、Inclusive-UNH TrainingsApply for free Green Lending TrainingsSend us your questions and sign up below to receive updatesVisit Inclusives GGRF web page to download our full CCIA Framework and learn more:https:/inclusiv.org/ggrf/#UIS2023Panel Discussion#UIS2024 Join the Climate United newsletter and learn more:https:/weareclimateunited.org/work-with-us Connect to Inclusives CCIA program:https:/inclusiv.org/ggrf/NEXT STEPS FOR CUs