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Loans Receivable and Allowance for Loan Losses: Schedule of Allowance for Loan Losses (Details) - USD ($) | 12 Months Ended
--- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | $ 15,817,000 | $ 13,703,000 | $ 13,469,000
Provision for credit losses - loans | 1,254,000 | 2,132,000 | 270,000
Charge-offs | (101,000) | (19,000) | (59,000)
Recoveries | 47,000 | 1,000 | 23,000
Allowance for loan losses, Ending Allowance | 17,478,000 | 15,817,000 | 13,703,000
Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 461,000 |  |
Allowance for loan losses, Ending Allowance |  | 461,000 |
Mortgage loans, one-to-four family |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 2,417,000 | 1,658,000 | 1,154,000
Provision for credit losses - loans | 580,000 | 759,000 | 504,000
Charge-offs | 0 | 0 | 0
Recoveries | 43,000 | 0 | 0
Allowance for loan losses, Ending Allowance | 2,632,000 | 2,417,000 | 1,658,000
Mortgage loans, one-to-four family | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (408,000) |  |
Allowance for loan losses, Ending Allowance |  | (408,000) |
Mortgage loans, multi-family |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 1,156,000 | 855,000 | 765,000
Provision for credit losses - loans | 272,000 | 301,000 | 90,000
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 1,308,000 | 1,156,000 | 855,000
Mortgage loans, multi-family | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (120,000) |  |
Allowance for loan losses, Ending Allowance |  | (120,000) |
Mortgage loans, commercial |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 7,209,000 | 6,682,000 | 6,813,000
Provision for credit losses - loans | 219,000 | 527,000 | (131,000)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 6,934,000 | 7,209,000 | 6,682,000
Mortgage loans, commercial | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (494,000) |  |
Allowance for loan losses, Ending Allowance |  | (494,000) |
Mortgage loans, construction - custom and owner/builder |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 750,000 | 675,000 | 644,000
Provision for credit losses - loans | 36,000 | 75,000 | 31,000
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 1,328,000 | 750,000 | 675,000
Mortgage loans, construction - custom and owner/builder | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 542,000 |  |
Allowance for loan losses, Ending Allowance |  | 542,000 |
Mortgage loans, construction - speculative one-to-four family |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 148,000 | 130,000 | 188,000
Provision for credit losses - loans | (4,000) | 18,000 | (58,000)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 128,000 | 148,000 | 130,000
Mortgage loans, construction - speculative one-to-four family | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (16,000) |  |
Allowance for loan losses, Ending Allowance |  | (16,000) |
Mortgage loans, construction - commercial |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 316,000 | 343,000 | 784,000
Provision for credit losses - loans | 45,000 | (27,000) | (441,000)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 537,000 | 316,000 | 343,000
Mortgage loans, construction - commercial | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 176,000 |  |
Allowance for loan losses, Ending Allowance |  | 176,000 |
Mortgage loans, construction - multi-family |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 602,000 | 447,000 | 436,000
Provision for credit losses - loans | (350,000) | 155,000 | 11,000
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 456,000 | 602,000 | 447,000
Mortgage loans, construction - multi-family | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 204,000 |  |
Allowance for loan losses, Ending Allowance |  | 204,000 |
Mortgage loans - construction - land development |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 274,000 | 233,000 | 124,000
Provision for credit losses - loans | 36,000 | 41,000 | 109,000
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 335,000 | 274,000 | 233,000
Mortgage loans - construction - land development | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 25,000 |  |
Allowance for loan losses, Ending Allowance |  | 25,000 |
Mortgage loans, land |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 406,000 | 397,000 | 470,000
Provision for credit losses - loans | 69,000 | 9,000 | (73,000)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 793,000 | 406,000 | 397,000
Mortgage loans, land | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 318,000 |  |
Allowance for loan losses, Ending Allowance |  | 318,000 |
Consumer loans, home equity and second mortgage |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 519,000 | 440,000 | 528,000
Provision for credit losses - loans | 72,000 | 79,000 | (88,000)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Allowance for loan losses, Ending Allowance | 348,000 | 519,000 | 440,000
Consumer loans, home equity and second mortgage | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (243,000) |  |
Allowance for loan losses, Ending Allowance |  | (243,000) |
Consumer loans, other |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 53,000 | 42,000 | 50,000
Provision for credit losses - loans | 2,000 | 14,000 | 1,000
Charge-offs | (9,000) | (4,000) | (10,000)
Recoveries | 0 | 1,000 | 1,000
Allowance for loan losses, Ending Allowance | 39,000 | 53,000 | 42,000
Consumer loans, other | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | (7,000) |  |
Allowance for loan losses, Ending Allowance |  | (7,000) |
Commercial business loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | 1,967,000 | 1,801,000 | 1,513,000
Provision for credit losses - loans | 277,000 | 181,000 | 315,000
Charge-offs | (92,000) | (15,000) | (49,000)
Recoveries | 4,000 | 0 | 22,000
Allowance for loan losses, Ending Allowance | 2,640,000 | 1,967,000 | $ 1,801,000
Commercial business loans | Impact of Adopting CECL (ASU 2016-13) |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Allowance for loan losses, Beginning Allowance | $ 484,000 |  |
Allowance for loan losses, Ending Allowance |  | $ 484,000 |

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