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ALLOWANCE FOR CREDIT LOSSES - Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Mar. 31, 2024 | Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | $ 44,867 | $ 48,877 | $ 48,734 | $ 47,058
Charge-offs | (293) | (215) | (6,753) | (758)
Recoveries | 7 | 9 | 250 | 30
Provision for (reversal of) credit losses | 349 | 451 | 2,699 | 2,792
Ending balance | 44,930 | 49,122 | 44,930 | 49,122
Commercial | Multi-family mortgage |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 24,462 | 27,498 | 26,362 | 25,321
Charge-offs | (35) | (4) | (389) | (399)
Recoveries | 0 | 0 | 0 | 0
Provision for (reversal of) credit losses | (231) | (322) | (1,777) | 2,250
Ending balance | 24,196 | 27,172 | 24,196 | 27,172
Commercial | Nonresidential mortgage |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 5,888 | 8,593 | 8,953 | 10,590
Charge-offs | (253) | (6) | (5,975) | (21)
Recoveries | 0 | 0 | 120 | 0
Provision for (reversal of) credit losses | 415 | (343) | 2,952 | (2,325)
Ending balance | 6,050 | 8,244 | 6,050 | 8,244
Commercial | Commercial business |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,293 | 1,819 | 1,440 | 1,792
Charge-offs | (5) | (205) | (352) | (338)
Recoveries | 7 | 7 | 17 | 24
Provision for (reversal of) credit losses | 250 | 108 | 440 | 251
Ending balance | 1,545 | 1,729 | 1,545 | 1,729
Commercial | Construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,171 | 1,201 | 1,336 | 1,486
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision for (reversal of) credit losses | 179 | 115 | 14 | (170)
Ending balance | 1,350 | 1,316 | 1,350 | 1,316
Residential |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 11,653 | 9,355 | 10,237 | 7,540
Charge-offs | 0 | 0 | (37) | 0
Recoveries | 0 | 2 | 113 | 2
Provision for (reversal of) credit losses | (278) | 908 | 1,062 | 2,723
Ending balance | 11,375 | 10,265 | 11,375 | 10,265
Consumer | Home equity loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 330 | 339 | 338 | 245
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision for (reversal of) credit losses | 0 | (12) | (8) | 82
Ending balance | 330 | 327 | 330 | 327
Consumer | Other consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 70 | 72 | 68 | 84
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 4
Provision for (reversal of) credit losses | 14 | (3) | 16 | (19)
Ending balance | $ 84 | $ 69 | $ 84 | $ 69

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
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