When the Paycheck Protection Program was supposed to end yesterday, June 30, it still had $130 billion in funds left over.

It has since been extended until August.

While its rollout in the initial days of the nation’s coronavirus shutdown was at best chaotic, many credit union and community bank executives expressed appreciation for the program once its teething troubles were resolved. It provided desperately needed capital – frequently in what were effectively grants – to viable businesses that would otherwise have collapsed as the economy shuddered to a halt.

But the hastily-designed program wasn’t without faults. Chief among those: It left behind many minority-owned businesses and customers at smaller lenders as megabanks flooded the Small Business Administration’s system with applications and documentation demands were beyond what many firms without a staff accountant could comply with.

But we want to know what your take is. Do you think the program was worth it?