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ALLOWANCE FOR CREDIT LOSSES - Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2024 | Dec. 31, 2023 | Jun. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | $ 44,923 | $ 46,872 | $ 44,939 | $ 48,734 | $ 48,734
Charge-offs | (580) | (4,238) | (709) | (6,460) | (10,276)
Recoveries | 7 | 128 | 12 | 243 |
Provision for (reversal of) credit losses | 107 | 2,105 | 215 | 2,350 |
Ending balance | 44,457 | 44,867 | 44,457 | 44,867 | 44,939
Commercial | Multi-family mortgage |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 24,368 | 25,590 | 24,125 | 26,362 | 26,362
Charge-offs | 0 | (354) | 0 | (354) | (398)
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | 512 | (774) | 755 | (1,546) |
Ending balance | 24,880 | 24,462 | 24,880 | 24,462 | 24,125
Commercial | Nonresidential mortgage |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 6,913 | 7,437 | 6,125 | 8,953 | 8,953
Charge-offs | (498) | (3,689) | (498) | (5,722) | (5,975)
Recoveries | 0 | 11 | 0 | 120 |
Provision for (reversal of) credit losses | 64 | 2,129 | 852 | 2,537 |
Ending balance | 6,479 | 5,888 | 6,479 | 5,888 | 6,125
Commercial | Commercial business |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 1,705 | 1,413 | 1,573 | 1,440 | 1,440
Charge-offs | (75) | (158) | (202) | (347) | (3,866)
Recoveries | 5 | 4 | 10 | 10 |
Provision for (reversal of) credit losses | (72) | 34 | 182 | 190 |
Ending balance | 1,563 | 1,293 | 1,563 | 1,293 | 1,573
Commercial | Construction |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 1,503 | 1,317 | 1,230 | 1,336 | 1,336
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | (346) | (146) | (73) | (165) |
Ending balance | 1,157 | 1,171 | 1,157 | 1,171 | 1,230
Residential |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 9,985 | 10,703 | 11,461 | 10,237 | 10,237
Charge-offs | 0 | (37) | (2) | (37) | (37)
Recoveries | 2 | 113 | 2 | 113 |
Provision for (reversal of) credit losses | (132) | 874 | (1,606) | 1,340 |
Ending balance | 9,855 | 11,653 | 9,855 | 11,653 | 11,461
Consumer | Home equity loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 357 | 342 | 349 | 338 | 338
Charge-offs | (2) | 0 | (2) | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | 66 | (12) | 74 | (8) |
Ending balance | 421 | 330 | 421 | 330 | 349
Consumer | Other consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 92 | 70 | 76 | 68 | 68
Charge-offs | (5) | 0 | (5) | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | 15 | 0 | 31 | 2 |
Ending balance | $ 102 | $ 70 | $ 102 | $ 70 | $ 76

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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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