The local agricultural lending cooperative owned by its member?borrowers and headquartered in Westminster, announced an extra patronage distribution of over $10 million in cash to its customers in February. MidAtlantic Farm Credit is a part of the national Farm Credit System. With territory covering portions of Delaware, Maryland, Pennsylvania, Virginia and West Virginia, Farm Credit is comprised of associations able to share a portion of their annual profits with their member-borrowers. Each association determines its total income and expenses at the close of each fiscal year. Once all expenses are deducted, the net income remaining can be distributed in accordance with the association's bylaws. Historically, MidAtlantic Farm Credit has returned patronage twice a year – once in April, determined upon the cooperative's net income and borrower's usage from the year prior, and again in December, based off of the cooperative's net income and borrower's usage from previous years.