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LOANS AND ALLOWANCE FOR CREDIT LOSSES FOR LOANS - Risk category of bank loans by year of origination (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Mar. 31, 2024
Origination year      
2025/2024 $ 43,051   $ 68,625
2024/2023 85,553   169,408
2023/2022 173,210   338,864
2022/2021 332,659   126,861
2021/2020 122,016   84,175
Prior 277,479   215,697
Revolving Loans 27,009   20,383
Total Loans Receivable 1,060,977   1,024,013
Gross write-offs      
2024/2023     11
Prior     2
Revolving Loans 1    
Total Loans Receivable 1 $ 11 13
Commercial and Industrial | Commercial Business      
Origination year      
2025/2024 7,139   14,126
2024/2023 19,349   63,838
2023/2022 63,809   85,864
2022/2021 82,690   28,119
2021/2020 25,275   17,431
Prior 27,148   12,701
Revolving Loans 11,485   7,325
Total Loans Receivable 236,895   229,404
Commercial Real Estate Portfolio Segment      
Origination year      
Total Loans Receivable 947,832   925,907
Commercial Real Estate Portfolio Segment | Commercial Business      
Origination year      
Total Loans Receivable 236,895   229,404
Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2025/2024 13,317   36,636
2024/2023 39,621   70,599
2023/2022 65,591   147,912
2022/2021 145,808   89,662
2021/2020 88,164   53,424
Prior 220,954   185,268
Total Loans Receivable 573,455   583,501
Commercial Real Estate Portfolio Segment | Land      
Origination year      
2025/2024 622   2,361
2024/2023 3,463   2,695
2023/2022 2,622   94
2022/2021 89    
2021/2020     106
Prior 500   437
Revolving Loans (22)    
Total Loans Receivable 7,274   5,693
Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2025/2024 84   970
2024/2023 959   21,643
2023/2022 26,280   32,003
2022/2021 36,088   4,841
2021/2020 4,418   8,823
Prior 10,881   2,491
Total Loans Receivable 78,710   70,771
Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2025/2024 7,361   14,114
2024/2023 21,551   10,078
2023/2022 14,466   12,346
2022/2021 8,120    
Total Loans Receivable 51,498   36,538
Consumer      
Origination year      
Total Loans Receivable 113,145   98,106
Gross write-offs      
Total Loans Receivable 1 $ 11  
Consumer | Real estate one-to-four family      
Origination year      
2025/2024 11    
2023/2022     60,447
2022/2021 59,710   4,164
2021/2020 4,101   4,364
Prior 17,981   14,792
Revolving Loans 15,108   12,599
Total Loans Receivable 96,911   96,366
Consumer | Other installment      
Origination year      
2025/2024 14,517   418
2024/2023 610   555
2023/2022 442   198
2022/2021 154   75
2021/2020 58   27
Prior 15   8
Revolving Loans 438   459
Total Loans Receivable 16,234   1,740
Gross write-offs      
2024/2023     11
Prior     2
Revolving Loans 1    
Total Loans Receivable 1   13
Pass      
Origination year      
2025/2024 37,929   67,311
2024/2023 82,306   165,301
2023/2022 166,753   337,234
2022/2021 331,121   126,861
2021/2020 121,386   83,654
Prior 244,718   188,352
Revolving Loans 25,772   17,885
Total Loans Receivable 1,009,985   986,598
Pass | Commercial and Industrial | Commercial Business      
Origination year      
2025/2024 7,139   14,126
2024/2023 19,349   63,838
2023/2022 61,559   85,131
2022/2021 82,037   28,119
2021/2020 24,663   16,945
Prior 26,164   12,411
Revolving Loans 10,248   4,827
Total Loans Receivable 231,159   225,397
Pass | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2025/2024 8,820   36,116
2024/2023 36,374   66,847
2023/2022 61,894   147,015
2022/2021 144,923   89,662
2021/2020 88,164   53,424
Prior 189,444   158,311
Total Loans Receivable 529,619   551,375
Pass | Commercial Real Estate Portfolio Segment | Land      
Origination year      
2025/2024 622   2,361
2024/2023 3,463   2,340
2023/2022 2,297   94
2022/2021 89    
2021/2020     106
Prior 500   437
Revolving Loans (22)    
Total Loans Receivable 6,949   5,338
Pass | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2025/2024 84   970
2024/2023 959   21,643
2023/2022 26,095   32,003
2022/2021 36,088   4,841
2021/2020 4,400   8,788
Prior 10,647   2,429
Total Loans Receivable 78,273   70,674
Pass | Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2025/2024 6,736   13,320
2024/2023 21,551   10,078
2023/2022 14,466   12,346
2022/2021 8,120    
Total Loans Receivable 50,873   35,744
Pass | Consumer | Real estate one-to-four family      
Origination year      
2025/2024 11    
2023/2022     60,447
2022/2021 59,710   4,164
2021/2020 4,101   4,364
Prior 17,948   14,756
Revolving Loans 15,108   12,599
Total Loans Receivable 96,878   96,330
Pass | Consumer | Other installment      
Origination year      
2025/2024 14,517   418
2024/2023 610   555
2023/2022 442   198
2022/2021 154   75
2021/2020 58   27
Prior 15   8
Revolving Loans 438   459
Total Loans Receivable 16,234   1,740
Special Mention      
Origination year      
2025/2024 5,122   794
2024/2023 3,137   4,107
2023/2022 6,457   1,630
2022/2021 1,538    
2021/2020 630   521
Prior 32,545   27,142
Revolving Loans 1,237   2,498
Total Loans Receivable 50,666   36,692
Special Mention | Commercial and Industrial | Commercial Business      
Origination year      
2023/2022 2,250   733
2022/2021 653    
2021/2020 612   486
Prior 936   232
Revolving Loans 1,237   2,498
Total Loans Receivable 5,688   3,949
Special Mention | Commercial Real Estate Portfolio Segment      
Origination year      
2024/2023     3,752
2023/2022     897
Prior     26,878
Total Loans Receivable     31,527
Special Mention | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2025/2024 4,497    
2024/2023 3,137    
2023/2022 3,697    
2022/2021 885    
Prior 31,442    
Total Loans Receivable 43,658    
Special Mention | Commercial Real Estate Portfolio Segment | Land      
Origination year      
2024/2023     355
2023/2022 325    
Total Loans Receivable 325   355
Special Mention | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2023/2022 185    
2021/2020 18   35
Prior 167   32
Total Loans Receivable 370   67
Special Mention | Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2025/2024 625   794
Total Loans Receivable 625   794
Substandard      
Origination year      
2025/2024     520
2024/2023 110    
Prior 216   203
Total Loans Receivable 326   723
Substandard | Commercial and Industrial | Commercial Business      
Origination year      
Prior 48   58
Total Loans Receivable 48   58
Substandard | Commercial Real Estate Portfolio Segment      
Origination year      
2025/2024     520
Prior     79
Total Loans Receivable     599
Substandard | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2024/2023 110    
Prior 68    
Total Loans Receivable 178    
Substandard | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
Prior 67   30
Total Loans Receivable 67   30
Substandard | Consumer | Real estate one-to-four family      
Origination year      
Prior 33   36
Total Loans Receivable $ 33   $ 36