The following table presents the classes of the loan portfolio by origination year summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful for loans subject to the Company’s internal risk rating system and by performing status for all other loans as of September 30, 2024.

													Revolving Loans
	September 30, 2024												Amortized		Converted
	Term Loans Amortized Cost Basis by Origination Fiscal Year												Cost Basis		to Term		Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
One-to-four family residential
Performing	$	32,624	$	42,084	$	31,711	$	25,970	$	29,976	$	83,378	$	342	$	—	$	246,085
Non-performing		—		—		94		—		22		—		—		—		116
Total	$	32,624	$	42,084	$	31,805	$	25,970	$	29,998	$	83,378	$	342	$	—	$	246,201
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Commercial real estate
Pass	$	88,597	$	84,674	$	66,412	$	64,573	$	29,568	$	122,605	$	3,718	$	932	$	461,079
Special Mention		—		—		—		—		—		124		—		—		124
Substandard		—		—		—		—		—		116		—		—		116
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	88,597	$	84,674	$	66,412	$	64,573	$	29,568	$	122,845	$	3,718	$	932	$	461,319
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Construction and land
Pass	$	5,650	$	10,061	$	—	$	—	$	1,156	$	4,069	$	1,786	$	—	$	22,722
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	5,650	$	10,061	$	—	$	—	$	1,156	$	4,069	$	1,786	$	—	$	22,722
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Home equity loans and lines of credit
Performing	$	1,585	$	1,561	$	1,600	$	309	$	247	$	1,220	$	17,902	$	304	$	24,728
Non-performing		—		—		—		—		—		—		—		—		—
Total	$	1,585	$	1,561	$	1,600	$	309	$	247	$	1,220	$	17,902	$	304	$	24,728
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Commercial business
Pass	$	2,062	$	507	$	2,517	$	2,298	$	802	$	2,565	$	13,072	$	188	$	24,011
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	2,062	$	507	$	2,517	$	2,298	$	802	$	2,565	$	13,072	$	188	$	24,011
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Other
Performing	$	61	$	—	$	47	$	—	$	9	$	1,771	$	347	$	—	$	2,235
Non-performing		—		—		—		—		—		—		—		—		—
Total	$	61	$	—	$	47	$	—	$	9	$	1,771	$	347	$	—	$	2,235
Current period gross charge-offs		—		—		—		—		—		—		—		—		—

Schedule of the Loan Portfolio by Analyzing the Age

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans for the periods presented:

			30-59		60-89
			Days		Days		90 Days +		Total
	Current		Past Due		Past Due		Past Due		Loans
	(In thousands)
September 30, 2024
One-to-four family residential	$	245,458	$	—	$	627	$	116	$	246,201
Commercial real estate		461,203		—		—		116		461,319
Construction and land		22,722		—		—		—		22,722
Home equity loans and lines of credit		24,492		—		236		—		24,728
Commercial business		23,870		141		—		—		24,011
Other		2,235		—		—		—		2,235
Total	$	779,980	$	141	$	863	$	232	$	781,216

			30-59		60-89
			Days		Days		90 Days +		Total
	Current		Past Due		Past Due		Past Due		Loans
	(In thousands)
September 30, 2023
One-to four-family residential	$	236,729	$	—	$	568	$	386	$	237,683
Commercial real estate		386,794		—		116		2,224		389,134
Construction and land		19,379		—		—		2,474		21,853
Home equity loans and lines of credit		16,983		—		—		—		16,983
Commercial business		30,047		147		—		—		30,194
Other		2,359		—		—		—		2,359
Total	$	692,291	$	147	$	684	$	5,084	$	698,206

Schedule of Non-Performing Collateral Dependent Loans

The following table identifies our non-performing, collateral dependent loans by collateral type as of September 30, 2024:

	September 30,
	2024
Real-estate type:	(In thousands)
One- to four-family residential	$	116
Commercial real estate		116
Total	$	232

Schedule of Allowance for Loan Losses by Loan Category

The following tables present, by loan category, the changes in the allowance for credit losses for the year ended September 30, 2024 and 2023.

	One-to Four-									Home Equity
	Family			Commercial			Construction			Loans and Lines			Commercial
	Residential			Real Estate			and Land			of Credit			Business			Other			Unallocated			Total
	(In thousands)

Balance-September 30, 2023	$	1,259		$	5,277		$	472		$	207		$	939		$	2		$	174		$	8,330
Effect of adopting ASU 2016-13		7			(589	)		(55	)		(87	)		(133	)		(1	)		(174	)		(1,032	)
Charge-offs		—			—			—			—			—			—			—			—
Recoveries		1			—			65			—			2			—			—			68
Provision (credit)		(512	)		646			142			(90	)		(3	)		(1	)		—			182
Balance-September 30, 2024	$	755		$	5,334		$	624		$	30		$	805		$	—		$	—		$	7,548

	One-to Four-						Home Equity
	Family		Commercial		Construction		Loans and Lines			Commercial
	Residential		Real Estate		and Land		of Credit			Business			Other		Unallocated			Total
	(In thousands)

Balance-September 30, 2022	$	1,223	$	4,612	$	461	$	263		$	1,484		$	1	$	389		$	8,433
Charge-offs		—		—		—		—			(488	)		—		—			(488	)
Recoveries		4		—		—		—			—			—		—			4
Provision (credit)		32		665		11		(56	)		(57	)		1		(215	)		381
Balance-September 30, 2023	$	1,259	$	5,277	$	472	$	207		$	939		$	2	$	174		$	8,330

The following table presents, by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of and September 30, 2023.

	One-to-Four						Home Equity
	Family		Commercial		Construction		Loans and Lines		Commercial
	Residential		Real Estate		and Land		of Credit		Business		Other		Unallocated		Total
	(In thousands)
Balance - September 30, 2023	$	1,259	$	5,277	$	472	$	207	$	939	$	2	$	174	$	8,330
Individually evaluated
for impairment		—		—		—		—		—		—		—		—
Collectively evaluated
for impairment		1,259		5,277		472		207		939		2		174		8,330

Loans receivable:
Balance - September 30, 2023	$	237,683	$	389,134	$	21,853	$	16,983	$	30,194	$	2,359	$	—	$	698,206
Individually evaluated
for impairment		2,031		2,969		2,474		—		147		—		—		7,621
Collectively evaluated
for impairment		235,652		386,165		19,379		16,983		30,047		2,359		—		690,585