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NET LOANS RECEIVABLE - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2023 | Dec. 31, 2022
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  | $ 22,570 | $ 22,469 | $ 22,524
Provision charged to operations |  | (400) |  | (280)
Loans charged off |  | 37 |  | (167)
Recoveries on loans charged off |  | 59 |  | 115
Allowance for loan losses at end of period |  | 22,192 |  | 22,192
Allowance for credit losses - loans |  |  |  |
Beginning Balance | $ 21,069 |  |  |
Provisions | 659 |  | 1,575 |
Charge-offs | (391) |  | (426) |
Recoveries | 25 |  | 55 |
Ending Balance | 21,362 |  | 21,362 |
Liabilities for off-balance sheet credit exposures |  |  |  |
Beginning Balance | 1,458 |  |  |
Provisions |  |  | 57 |
Ending Balance | 1,681 |  | 1,681 |
Total allowance for credit losses |  |  |  |
Beginning Balance | 22,527 |  | 22,469 |
Provisions | 882 |  | 1,632 |
Charge-offs | (391) |  | (426) |
Recoveries | (25) |  | 55 |
Ending Balance | 23,043 |  | 23,043 |
Cumulative effect of change in accounting principle - Current Expected Credit Losses |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  |  | (2,311) |
Liabilities for off-balance sheet credit exposures |  |  |  |
Beginning Balance |  |  | 1,624 |
Provisions | 223 |  |  |
Total allowance for credit losses |  |  |  |
Beginning Balance |  |  | (687) |
Commercial |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  | 17,053 | 14,288 | 17,818
Provision charged to operations |  | (1,353) |  | (2,126)
Loans charged off |  | 7 |  | (42)
Recoveries on loans charged off |  | 10 |  | 53
Allowance for loan losses at end of period |  | 15,703 |  | 15,703
Allowance for credit losses - loans |  |  |  |
Beginning Balance | 13,181 |  |  |
Provisions | (178) |  | (5) |
Charge-offs | (345) |  | (345) |
Recoveries | 16 |  | 43 |
Ending Balance | 12,674 |  | 12,674 |
Commercial | Cumulative effect of change in accounting principle - Current Expected Credit Losses |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  |  | (1,307) |
Residential mortgages |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  | 3,737 | 6,222 | 2,899
Provision charged to operations |  | 765 |  | 1,616
Loans charged off |  |  |  | (24)
Recoveries on loans charged off |  | 31 |  | 42
Allowance for loan losses at end of period |  | 4,533 |  | 4,533
Allowance for credit losses - loans |  |  |  |
Beginning Balance | 6,191 |  |  |
Provisions | 779 |  | 1,418 |
Ending Balance | 6,970 |  | 6,970 |
Residential mortgages | Cumulative effect of change in accounting principle - Current Expected Credit Losses |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  |  | (670) |
Home equity loans |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  | 1,358 | 1,470 | 1,388
Provision charged to operations |  | 101 |  | 71
Recoveries on loans charged off |  | 14 |  | 14
Allowance for loan losses at end of period |  | 1,473 |  | 1,473
Allowance for credit losses - loans |  |  |  |
Beginning Balance | 1,282 |  |  |
Provisions | 56 |  | 145 |
Charge-offs |  |  | (12) |
Recoveries | 1 |  | 1 |
Ending Balance | 1,339 |  | 1,339 |
Home equity loans | Cumulative effect of change in accounting principle - Current Expected Credit Losses |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  |  | (265) |
Consumer |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  | 422 | 489 | 419
Provision charged to operations |  | 87 |  | 159
Loans charged off |  | 30 |  | (101)
Recoveries on loans charged off |  | 4 |  | 6
Allowance for loan losses at end of period |  | $ 483 |  | $ 483
Allowance for credit losses - loans |  |  |  |
Beginning Balance | 415 |  |  |
Provisions | 2 |  | 17 |
Charge-offs | (46) |  | (69) |
Recoveries | 8 |  | 11 |
Ending Balance | $ 379 |  | 379 |
Consumer | Cumulative effect of change in accounting principle - Current Expected Credit Losses |  |  |  |
Allowance for loan losses |  |  |  |
Allowance for loan losses at beginning of period |  |  | $ (69) |

X
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