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v3.25.1

ALLOWANCE FOR CREDIT LOSSES - Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Mar. 31, 2025 | Mar. 31, 2024 | Jun. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | $ 44,457 | $ 44,867 | $ 44,939 | $ 48,734 | $ 48,734
Charge-offs | (372) | (293) | (1,081) | (6,753) | (10,276)
Recoveries | 4 | 7 | 16 | 250 |
Provision for (reversal of) credit losses | 366 | 349 | 581 | 2,699 |
Ending balance | 44,455 | 44,930 | 44,455 | 44,930 | 44,939
Commercial | Multi-family mortgage |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 24,880 | 24,462 | 24,125 | 26,362 | 26,362
Charge-offs | 0 | (35) | 0 | (389) | (398)
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | (220) | (231) | 535 | (1,777) |
Ending balance | 24,660 | 24,196 | 24,660 | 24,196 | 24,125
Commercial | Nonresidential mortgage |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 6,479 | 5,888 | 6,125 | 8,953 | 8,953
Charge-offs | (332) | (253) | (830) | (5,975) | (5,975)
Recoveries | 0 | 0 | 0 | 120 |
Provision for (reversal of) credit losses | 529 | 415 | 1,381 | 2,952 |
Ending balance | 6,676 | 6,050 | 6,676 | 6,050 | 6,125
Commercial | Commercial business |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 1,563 | 1,293 | 1,573 | 1,440 | 1,440
Charge-offs | (40) | (5) | (242) | (352) | (3,866)
Recoveries | 4 | 7 | 14 | 17 |
Provision for (reversal of) credit losses | (10) | 250 | 172 | 440 |
Ending balance | 1,517 | 1,545 | 1,517 | 1,545 | 1,573
Commercial | Construction |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 1,157 | 1,171 | 1,230 | 1,336 | 1,336
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | (34) | 179 | (107) | 14 |
Ending balance | 1,123 | 1,350 | 1,123 | 1,350 | 1,230
Residential |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 9,855 | 11,653 | 11,461 | 10,237 | 10,237
Charge-offs | 0 | 0 | (2) | (37) | (37)
Recoveries | 0 | 0 | 2 | 113 |
Provision for (reversal of) credit losses | 103 | (278) | (1,503) | 1,062 |
Ending balance | 9,958 | 11,375 | 9,958 | 11,375 | 11,461
Consumer | Home equity loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 421 | 330 | 349 | 338 | 338
Charge-offs | 0 | 0 | (2) | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | (4) | 0 | 70 | (8) |
Ending balance | 417 | 330 | 417 | 330 | 349
Consumer | Other consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 102 | 70 | 76 | 68 | 68
Charge-offs | 0 | 0 | (5) | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision for (reversal of) credit losses | 2 | 14 | 33 | 16 |
Ending balance | $ 104 | $ 84 | $ 104 | $ 84 | $ 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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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. 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 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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