Subject to the provisions of paragraph (2) of this subsection, a credit union may borrow money for the purchase of fixed assets. The term of the loan may not exceed: 15 years for borrowings secured by real or leasehold property; and 5 years for borrowings secured by other fixed assets. A credit union may borrow money for a purpose other than the purchase of fixed assets as long as the total borrowing does not exceed the greater of: Two times the net worth of the borrowing credit union; or 10% of the total assets of the borrowing credit union.