number of affiliated nonprofits to provide related financing, technical assistance, and consulting services: Center for Financial Services Innovation National Community Investment Fund (NCIF) Northern Initiatives, in Michigan's Upper Peninsula. On August 20, 2010, Northern Initiatives announced that it had amended its by-laws to end appointment of board members by ShoreBank and that it would continue its operations independently of the Chicago-based bank. ShoreBank Enterprise Cascadia in Oregon and Washington state announced it would change its name to Enterprise Cascadia on August 20, 2010, and would continue its operations independently of the Chicago-based bank. In 2013 Enterprise Cascadia rebranded as Craft3. Their new name reflects their focus on the "'three bottom lines' of economic, environmental and social equity." ShoreBank Enterprise Cleveland. On August 20, 2010, it was announced that ShoreBank Enterprise Cleveland was changing its name to Enterprise Cleveland (EC) and would continue its operations independently of the Chicago-based bank. In 2018, the Cuyahoga Land Bank acquired the enterprise center. ShoreBank Enterprise Detroit. It was announced that ShoreBank Enterprise Detroit would be changing its name to Enterprise Detroit and would continue its operations independently of the Chicago-based bank. In 2011, the name changed to Detroit Development Fund. ShoreBank Neighborhood Institute ShoreCap Exchange Recognition ShoreBank, its co-founders, and its affiliates have received numerous awards and honors, including from the magazines Fast Company, Business Ethics, and U.S. News & World Report, University of Notre Dame's Mendoza College of Business, the Independent Community Bankers of America, Mayor Richard M. Daley of Chicago, the Chicagoland Chamber of Commerce, and Governor Ted Kulongoski of Oregon. Former President and Arkansas Governor Bill Clinton is a prominent supporter of the bank. In 1985, ShoreBank worked closely with Clinton to set up the Southern Development Bancorporation, a community development bank serving rural Arkansans. Clinton described ShoreBank as "the most important bank in America" and credited ShoreBank's success with inspiring a movement of community development financial institutions (CDFIs). Under a grant from the Ford Foundation in the 1980s, ShoreBank worked with Muhammad Yunus to help him incorporate Grameen Bank in Bangladesh. Yunus and Grameen Bank were awarded the Nobel Peace Prize in 2006. Later, it worked with BRAC, a second large Bangladeshi organization. Loan Portfolio Troubles In 2010 ShoreBank had a troubled asset ratio of 300% compared to a national average for all banks of 15%. Unemployment in many of the neighborhoods where the bank did business rose to as