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Allowance for Credit Losses
 6 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Allowance for Credit Losses ALLOWANCE FOR CREDIT LOSSES
Allowance for Credit Losses on Loans Receivable
The following tables present the balance of the allowance for credit losses at December 31, 2022 and June 30, 2022. The balance of the allowance for credit losses is based on an expected loss methodology, referred to as the “CECL” methodology. The tables identify the valuation allowances attributable to specifically identified impairments on individually analyzed loans, including those acquired with deteriorated credit quality, as well as valuation allowances for impairments on loans collectively evaluated. The tables include the underlying balance of loans receivable applicable to each category as of those dates.
Allowance for Credit Losses
December 31, 2022
Loans
acquired with
deteriorated
credit quality
individually
analyzed		Loans
acquired with
deteriorated
credit quality
collectively
evaluated		Loans individually
analyzed		Loans collectively
evaluated		Total allowance for credit losses
(In Thousands)
Multi-family mortgage$— $— $352 $27,146 $27,498 
Nonresidential mortgage— 80 2,392 6,121 8,593 
Commercial business— 5 17 1,797 1,819 
Construction— — — 1,201 1,201 
One- to four-family residential mortgage22 161 68 9,104 9,355 
Home equity loans— — — 339 339 
Other consumer— — — 72 72 
Total loans$22 $246 $2,829 $45,780 $48,877 
Balance of Loans Receivable
December 31, 2022
Loans
acquired with
deteriorated
credit quality
individually
analyzed		Loans
acquired with
deteriorated
credit quality
collectively
evaluated		Loans individually
analyzed		Loans collectively
evaluated		Total loans
(In Thousands)
Multi-family mortgage$— $— $16,271 $2,835,450 $2,851,721 
Nonresidential mortgage353 3,696 17,530 995,762 1,017,341 
Commercial business— 3,964 272 173,294 177,530 
Construction— 5,735 — 180,928 186,663 
One- to four-family residential mortgage385 5,019 5,652 1,708,458 1,719,514 
Home equity loans25 55 61 45,549 45,690 
Other consumer— — — 2,648 2,648 
Total loans$763 $18,469 $39,786 $5,942,089 $6,001,107 
Unaccreted yield adjustments(16,974)
Loans receivable, net of yield adjustments$5,984,133 
Allowance for Credit Losses
June 30, 2022
Loans
acquired with
deteriorated
credit quality
individually
analyzed		Loans
acquired with
deteriorated
credit quality
collectively
evaluated		Loans individually
analyzed		Loans collectively
evaluated		Total allowance for credit losses
(In Thousands)
Multi-family mortgage$— $— $849 $24,472 $25,321 
Nonresidential mortgage— 73 2,696 7,821 10,590 
Commercial business— 9 16 1,767 1,792 
Construction— — — 1,486 1,486 
One- to four-family residential mortgage— 229 148 7,163 7,540 
Home equity loans26 — — 219 245 
Other consumer— — — 84 84 
Total loans$26 $311 $3,709 $43,012 $47,058 
Balance of Loans Receivable
June 30, 2022
Loans
acquired with
deteriorated
credit quality
individually
analyzed		Loans
acquired with
deteriorated
credit quality
collectively
evaluated		Loans individually
analyzed		Loans collectively
evaluated		Total loans
(In Thousands)
Multi-family mortgage$— $— $26,653 $2,382,437 $2,409,090 
Nonresidential mortgage377 5,033 31,517 982,911 1,019,838 
Commercial business— 1,267 293 175,247 176,807 
Construction— 5,735 1,561 132,835 140,131 
One- to four-family residential mortgage87 6,460 8,402 1,630,867 1,645,816 
Home equity loans329 58 1,102 40,539 42,028 
Other consumer— — — 2,866 2,866 
Total loans$793 $18,553 $69,528 $5,347,702 $5,436,576 
Unaccreted yield adjustments(18,731)
Loans receivable, net of yield adjustments$5,417,845 
The following tables present the activity in the allowance for credit losses on loans for the three months and six months ended December 31, 2022 and 2021.
Changes in the Allowance for Credit Losses
Three Months Ended December 31, 2022
Balance at
September 30, 2022		Charge-offs RecoveriesProvision for
(reversal of)
credit losses 		Balance at
December 31, 2022
(In Thousands)
Multi-family mortgage$26,246 $(395)$— $1,647 $27,498 
Nonresidential mortgage9,152 (5)— (554)8,593 
Commercial business1,972 (15)5 (143)1,819 
Construction1,120 — — 81 1,201 
One- to four-family residential mortgage8,801 — — 554 9,355 
Home equity loans244 — — 95 339 
Other consumer78 — 3 (9)72 
Total loans$47,613 $(415)$8 $1,671 $48,877 
Changes in the Allowance for Credit Losses
Six Months Ended December 31, 2022
Balance at
June 30, 2022		Charge-offs RecoveriesProvision for
(reversal of)
credit losses 		Balance at
December 31, 2022
(In Thousands)
Multi-family mortgage$25,321 $(395)$— $2,572 $27,498 
Nonresidential mortgage10,590 (15)— (1,982)8,593 
Commercial business1,792 (133)17 143 1,819 
Construction1,486 — — (285)1,201 
One- to four-family residential mortgage7,540 — — 1,815 9,355 
Home equity loans245 — — 94 339 
Other consumer84 — 4 (16)72 
Total loans$47,058 $(543)$21 $2,341 $48,877 

Changes in the Allowance for Credit Losses
Three Months Ended December 31, 2021
Balance at
September 30, 2021		Charge-offs RecoveriesProvision for
(reversal of)
credit losses		Balance at
December 31, 2021
(In Thousands)
Multi-family mortgage$24,982 $— $— $813 $25,795 
Nonresidential mortgage13,845 (1,284)— (2,483)10,078 
Commercial business1,994 (15)4 (80)1,903 
Construction1,430 — — 11 1,441 
One- to four-family residential mortgage9,129 — 145 (673)8,601 
Home equity loans318 — 1 (11)308 
Other consumer87 — — 3 90 
Total loans$51,785 $(1,299)$150 $(2,420)$48,216 

Changes in the Allowance for Credit Losses
Six Months Ended December 31, 2021
Balance at June 30, 2021Charge-offs Recoveries(Reversal of)
provision for
credit losses 		Balance at
December 31, 2021
(In Thousands)
Multi-family mortgage$28,450 $(104)$— $(2,551)$25,795 
Nonresidential mortgage16,243 (2,097)— (4,068)10,078 
Commercial business2,086 (175)101 (109)1,903 
Construction1,170 — — 271 1,441 
One- to four-family residential mortgage9,747 — 147 (1,293)8,601 
Home equity loans433 — 1 (126)308 
Other consumer36 (2)— 56 90 
Total loans$58,165 $(2,378)$249 $(7,820)$48,216 

Allowance for Credit Losses on Off Balance Sheet Commitments
The following table presents the activity in the allowance for credit losses on off balance sheet commitments recorded in other non-interest expense for the three months and six months ended December 31, 2022 and 2021:
Three Months Ended
December 31,		Six Months Ended
December 31,
2022202120222021
(In Thousands)(In Thousands)
Balance at beginning of the period$753 $1,584 $1,041 $1,708 
Provision for (reversal of) credit losses66 (436)(222)(560)
Balance at end of the period$819 $1,148 $819 $1,148