
	September 30, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	7,139	$	19,349	$	61,559	$	82,037	$	24,663	$	26,164	$	10,248	$	231,159
Special Mention		—		—		2,250		653		612		936		1,237		5,688
Substandard		—		—		—		—		—		48		—		48
Total commercial business	$	7,139	$	19,349	$	63,809	$	82,690	$	25,275	$	27,148	$	11,485	$	236,895
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	8,820	$	36,374	$	61,894	$	144,923	$	88,164	$	189,444	$	—	$	529,619
Special Mention		4,497		3,137		3,697		885		—		31,442		—		43,658
Substandard		—		110		—		—		—		68		—		178
Total commercial real estate	$	13,317	$	39,621	$	65,591	$	145,808	$	88,164	$	220,954	$	—	$	573,455
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass	$	622	$	3,463	$	2,297	$	89	$	—	$	500	$	(22)	$	6,949
Special Mention		—		—		325		—		—		—		—		325
Total land	$	622	$	3,463	$	2,622	$	89	$	—	$	500	$	(22)	$	7,274
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	84	$	959	$	26,095	$	36,088	$	4,400	$	10,647	$	—	$	78,273
Special Mention		—		—		185		—		18		167		—		370
Substandard		—		—		—		—		—		67		—		67
Total multi-family	$	84	$	959	$	26,280	$	36,088	$	4,418	$	10,881	$	—	$	78,710
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	September 30, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	6,736	$	21,551	$	14,466	$	8,120	$	—	$	—	$	—	$	50,873
Special Mention		625		—		—		—		—		—		—		625
Total real estate construction	$	7,361	$	21,551	$	14,466	$	8,120	$	—	$	—	$	—	$	51,498
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	11	$	—	$	—	$	59,710	$	4,101	$	17,948	$	15,108	$	96,878
Substandard		—		—		—		—		—		33		—		33
Total real estate one-to-four family	$	11	$	—	$	—	$	59,710	$	4,101	$	17,981	$	15,108	$	96,911
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other installment
Risk rating
Pass	$	14,517	$	610	$	442	$	154	$	58	$	15	$	438	$	16,234
Total other installment	$	14,517	$	610	$	442	$	154	$	58	$	15	$	438	$	16,234
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	1

Total loans receivable, gross
Risk rating
Pass	$	37,929	$	82,306	$	166,753	$	331,121	$	121,386	$	244,718	$	25,772	$	1,009,985
Special Mention		5,122		3,137		6,457		1,538		630		32,545		1,237		50,666
Substandard		—		110		—		—		—		216		—		326
Total loans receivable, gross	$	43,051	$	85,553	$	173,210	$	332,659	$	122,016	$	277,479	$	27,009	$	1,060,977
Total current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	1


	March 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2024		2023		2022		2021		2020		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	14,126	$	63,838	$	85,131	$	28,119	$	16,945	$	12,411	$	4,827	$	225,397
Special Mention		—		—		733		—		486		232		2,498		3,949
Substandard		—		—		—		—		—		58		—		58
Total commercial business	$	14,126	$	63,838	$	85,864	$	28,119	$	17,431	$	12,701	$	7,325	$	229,404
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	36,116	$	66,847	$	147,015	$	89,662	$	53,424	$	158,311	$	—	$	551,375
Special Mention		—		3,752		897		—		—		26,878		—		31,527
Substandard		520		—		—		—		—		79		—		599
Total commercial real estate	$	36,636	$	70,599	$	147,912	$	89,662	$	53,424	$	185,268	$	—	$	583,501
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass	$	2,361	$	2,340	$	94	$	—	$	106	$	437	$	—	$	5,338
Special Mention		—		355		—		—		—		—		—		355
Total land	$	2,361	$	2,695	$	94	$	—	$	106	$	437	$	—	$	5,693
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	970	$	21,643	$	32,003	$	4,841	$	8,788	$	2,429	$	—	$	70,674
Special Mention		—		—		—		—		35		32		—		67
Substandard		—		—		—		—		—		30		—		30
Total multi-family	$	970	$	21,643	$	32,003	$	4,841	$	8,823	$	2,491	$	—	$	70,771
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	March 31, 2024
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2024		2023		2022		2021		2020		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	13,320	$	10,078	$	12,346	$	—	$	—	$	—	$	—	$	35,744
Special Mention		794		—		—		—		—		—		—		794
Total real estate construction	$	14,114	$	10,078	$	12,346	$	—	$	—	$	—	$	—	$	36,538
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	—	$	—	$	60,447	$	4,164	$	4,364	$	14,756	$	12,599	$	96,330
Substandard		—		—		—		—		—		36		—		36
Total real estate one-to-four family	$	—	$	—	$	60,447	$	4,164	$	4,364	$	14,792	$	12,599	$	96,366
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other installment
Risk rating
Pass	$	418	$	555	$	198	$	75	$	27	$	8	$	459	$	1,740
Total other installment	$	418	$	555	$	198	$	75	$	27	$	8	$	459	$	1,740
Current YTD gross write-offs	$	—	$	11	$	—	$	—	$	—	$	2	$	—	$	13

Total loans receivable, gross
Risk rating
Pass	$	67,311	$	165,301	$	337,234	$	126,861	$	83,654	$	188,352	$	17,885	$	986,598
Special Mention		794		4,107		1,630		—		521		27,142		2,498		36,692
Substandard		520		—		—		—		—		203		—		723
Total loans receivable, gross	$	68,625	$	169,408	$	338,864	$	126,861	$	84,175	$	215,697	$	20,383	$	1,024,013
Total current YTD gross write-offs	$	—	$	11	$	—	$	—	$	—	$	2	$	—	$	13

The following tables present an analysis of loans by aging category at the dates indicated (in thousands):