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      <LandBuildingsEquipmentBasis>6095521</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>1784581</LandBldgEquipmentAccumDeprec>
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      <MortNotesPyblSecuredInvestProp>
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      <TotalLiabilities>
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        <EOY>114520445</EOY>
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      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <RetainedEarningsEndowmentEtc>
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        <EOY>12629925</EOY>
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      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>704703</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>477402</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>false</FederalGrantAuditPerformed>
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    <IRS990ScheduleD documentId="IRS990ScheduleD" softwareId="10000105" softwareVersion="2010v3.2">
      <Land>
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        <BookValue>826856</BookValue>
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      <Buildings>
        <OtherCostOrOtherBasis>5268665</OtherCostOrOtherBasis>
        <Depreciation>1784581</Depreciation>
        <BookValue>3484084</BookValue>
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      <TotalOfBookValueLandBuildings>4310940</TotalOfBookValueLandBuildings>
      <TotalRevenue>7121598</TotalRevenue>
      <TotalExpenses>6416895</TotalExpenses>
      <ExcessOrDeficitForYear>704703</ExcessOrDeficitForYear>
      <NetUnrealizedGLOnInvestments>477402</NetUnrealizedGLOnInvestments>
      <TotalAdjustments>477402</TotalAdjustments>
      <ExcessOrDeficitPerFS>1182105</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>7121598</TotRevenueEtcAuditedFinclStmt>
      <RevenueSubtotal>7121598</RevenueSubtotal>
      <TotalRevenuePerForm990>7121598</TotalRevenuePerForm990>
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      <ExpensesSubtotal>6416895</ExpensesSubtotal>
      <TotalExpensesPerForm990>6416895</TotalExpensesPerForm990>
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    <IRS990ScheduleJ documentId="IRS990ScheduleJ" softwareId="10000105" softwareVersion="2010v3.2">
      <CompensationSurvey>X</CompensationSurvey>
      <BoardOrCommitteeApproval>X</BoardOrCommitteeApproval>
      <SeverancePayment>false</SeverancePayment>
      <SupplementalNonqualRetirePlan>true</SupplementalNonqualRetirePlan>
      <EquityBasedCompArrangement>false</EquityBasedCompArrangement>
      <Form990ScheduleJPartII>
        <NamePerson>EUGENE ARDITO</NamePerson>
        <BaseCompensationFilingOrg>191272</BaseCompensationFilingOrg>
        <BonusFilingOrg>23622</BonusFilingOrg>
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      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 19</Identifier>
        <ReturnReference>Form 990, Part VI, Line 19: Other Organization Documents Publicly Available</ReturnReference>
        <Explanation>Some governing documents are made available upon request. The written conflict of interest policy is not made available. Balance Sheets are posted monthly at each branch, annual report is available at each branch, and the call report is available on the NCUA website.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 15b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees</ReturnReference>
        <Explanation>The board determines compensation for the CEO, and the CEO determines compensation for other key employees. The credit union subscribes to a third-party compensation system which it uses for comparability data. Salary decisions are documented in the employee files.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 11</Identifier>
        <ReturnReference>Form 990, Part VI, Line 11: Form 990 Review Process</ReturnReference>
        <Explanation>The President/CEO (also a director) will review the 990 before it is filed.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 4</Identifier>
        <ReturnReference>Form 990, Part VI, Line 4: Description of Significant Changes to Organizational Documents</ReturnReference>
        <Explanation>Changes to Bylaws effective 9/27/10.Nominating committee:Previous bylaws stated that the Nominating committee "shall be comprised of at least three, but not more than five directors, twoof which will be Directors whose terms are not expiring at the next Annual Meeting".Removed "two of which will be Directors whose terms are not expiring at the next Annual Meeting."Removed: "Directors shall not be permitted to sign as endorsers or guarantors on the loan or note of any member"Added: "It shall be the duty of the Board to have the accounts of members to be verified with financial statementsof the credit union from time to time, not less frequently than once every two years."Elections:Previously stated: All elections shall be by ballot.Added: A ballot will only be required if there are more nominees than open positions.Supervisory CommitteeRemoved entire section regarding Supervisory Committee</Explanation>
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        <AddressUS>
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          <City>Hampden</City>
          <State>ME</State>
          <ZIPCode>044441437</ZIPCode>
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        <PrimaryActivity>Mortgage services</PrimaryActivity>
        <LegalDomicileState>ME</LegalDomicileState>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <TypeOfEntity>CORP</TypeOfEntity>
        <PercentageOwnership>0.02320</PercentageOwnership>
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      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>false</SharingOfFacilities>
      <SharingOfPaidEmployees>false</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>false</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
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