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Loans Held For Investment (Tables) | 9 Months Ended
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Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of Loans Held for Investment | Loans held for investment consisted of the following:
(In Thousands) | March 31, 2015 | June 30, 2014
Mortgage loans: |  |
Single-family | $ | 374,981 |  | $ | 377,824 |
Multi-family | 344,277 |  | 301,191 |
Commercial real estate | 101,618 |  | 96,781 |
Construction | 6,039 |  | 2,869 |
Commercial business loans | 652 |  | 1,237 |
Consumer loans | 246 |  | 306 |
Total loans held for investment, gross | 827,813 |  | 780,208 |
Undisbursed loan funds | (2,911 | ) | (1,090 | )
Advance payments of escrows | 392 |  | 215 |
Deferred loan costs, net | 3,054 |  | 2,552 |
Allowance for loan losses | (8,712 | ) | (9,744 | )
Total loans held for investment, net | $ | 819,636 |  | $ | 772,141 |
Schedule of Loans Held for Investment, Contractual Repricing |
| Adjustable Rate |  |
(In Thousands) | Within One Year | After One Year Through 3 Years | After 3 Years Through 5 Years | After 5 Years Through 10 Years | Fixed Rate | Total
Mortgage loans: |  |  |  |  |  |
Single-family | $ | 312,310 |  | $ | 4,290 |  | $ | 42,035 |  | $ | 2,003 |  | $ | 14,343 |  | $ | 374,981 |
Multi-family | 72,603 |  | 77,267 |  | 184,774 |  | 4,725 |  | 4,908 |  | 344,277 |
Commercial real estate | 20,085 |  | 25,410 |  | 46,712 |  | — |  | 9,411 |  | 101,618 |
Construction | 2,569 |  | — |  | — |  | — |  | 3,470 |  | 6,039 |
Commercial business loans | 207 |  | — |  | 120 |  | — |  | 325 |  | 652 |
Consumer loans | 238 |  | — |  | — |  | — |  | 8 |  | 246 |
Total loans held for investment, gross | $ | 408,012 |  | $ | 106,967 |  | $ | 273,641 |  | $ | 6,728 |  | $ | 32,465 |  | $ | 827,813 |
Schedule of Allowance for Loan Losses and Recorded Investment [Table Text Block] | The following tables summarize the Corporation’s allowance for loan losses and recorded investment in gross loans, by portfolio type, at the dates and for the periods indicated.
|  | Quarter Ended March 31, 2015
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance at beginning of period | $ | 4,540 |  | $ | 2,998 |  | $ | 1,075 |  | $ | 17 |  | $ | 53 |  | $ | 10 |  | $ | 8,693 |
Provision (recovery) for loan losses | 102 |  | 26 |  | (238 | ) | 10 |  | (10 | ) | (1 | ) | (111 | )
Recoveries | 226 |  | 65 |  | — |  | — |  | — |  | — |  | 291 |
Charge-offs | (88 | ) | — |  | (73 | ) | — |  | — |  | — |  | (161 | )
| Allowance for loan losses, end of period | $ | 4,780 |  | $ | 3,089 |  | $ | 764 |  | $ | 27 |  | $ | 43 |  | $ | 9 |  | $ | 8,712 |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 20 |  | $ | — |  | $ | 20 |
Collectively evaluated for impairment | 4,780 |  | 3,089 |  | 764 |  | 27 |  | 23 |  | 9 |  | 8,692 |
| Allowance for loan losses, end of period | $ | 4,780 |  | $ | 3,089 |  | $ | 764 |  | $ | 27 |  | $ | 43 |  | $ | 9 |  | $ | 8,712 |
Individually evaluated for impairment | $ | 5,651 |  | $ | 1,982 |  | $ | 1,468 |  | $ | — |  | $ | 110 |  | $ | — |  | $ | 9,211 |
Collectively evaluated for impairment | 369,330 |  | 342,295 |  | 100,150 |  | 6,039 |  | 542 |  | 246 |  | 818,602 |
| Total loans held for investment, gross | $ | 374,981 |  | $ | 344,277 |  | $ | 101,618 |  | $ | 6,039 |  | $ | 652 |  | $ | 246 |  | $ | 827,813 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.27 | % | 0.90 | % | 0.75 | % | 0.45 | % | 6.60 | % | 3.66 | % | 1.05 | %
|  | Quarter Ended March 31, 2014
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance at beginning of period | $ | 7,307 |  | $ | 2,554 |  | $ | 1,060 |  | $ | 3 |  | $ | 106 |  | $ | 11 |  | $ | 11,041 |
(Recovery) provision for loan losses | (1,719 | ) | 889 |  | (26 | ) | 17 |  | (9 | ) | (1 | ) | (849 | )
Recoveries | 64 |  | 56 |  | — |  | — |  | — |  | — |  | 120 |
Charge-offs | (185 | ) | (94 | ) | — |  | — |  | (9 | ) | — |  | (288 | )
| Allowance for loan losses, end of period | $ | 5,467 |  | $ | 3,405 |  | $ | 1,034 |  | $ | 20 |  | $ | 88 |  | $ | 10 |  | $ | 10,024 |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 41 |  | $ | — |  | $ | 41 |
Collectively evaluated for impairment | 5,467 |  | 3,405 |  | 1,034 |  | 20 |  | 47 |  | 10 |  | 9,983 |
| Allowance for loan losses, end of period | $ | 5,467 |  | $ | 3,405 |  | $ | 1,034 |  | $ | 20 |  | $ | 88 |  | $ | 10 |  | $ | 10,024 |
Individually evaluated for impairment | $ | 6,821 |  | $ | 2,565 |  | $ | 3,562 |  | $ | — |  | $ | 123 |  | $ | — |  | $ | 13,071 |
Collectively evaluated for impairment | 374,205 |  | 286,684 |  | 100,980 |  | 1,792 |  | 928 |  | 324 |  | 764,913 |
| Total loans held for investment, gross | $ | 381,026 |  | $ | 289,249 |  | $ | 104,542 |  | $ | 1,792 |  | $ | 1,051 |  | $ | 324 |  | $ | 777,984 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.43 | % | 1.18 | % | 0.99 | % | 1.12 | % | 8.37 | % | 3.09 | % | 1.29 | %
|  | Nine Months Ended March 31, 2015
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance at beginning of period | $ | 5,476 |  | $ | 3,142 |  | $ | 989 |  | $ | 35 |  | $ | 92 |  | $ | 10 |  | $ | 9,744 |
Recovery from the allowance for loan losses | (790 | ) | (282 | ) | (152 | ) | (8 | ) | (49 | ) | (2 | ) | (1,283 | )
Recoveries | 499 |  | 229 |  | — |  | — |  | — |  | 1 |  | 729 |
Charge-offs | (405 | ) | — |  | (73 | ) | — |  | — |  | — |  | (478 | )
| Allowance for loan losses, end of period | $ | 4,780 |  | $ | 3,089 |  | $ | 764 |  | $ | 27 |  | $ | 43 |  | $ | 9 |  | $ | 8,712 |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 20 |  | $ | — |  | $ | 20 |
Collectively evaluated for impairment | 4,780 |  | 3,089 |  | 764 |  | 27 |  | 23 |  | 9 |  | 8,692 |
| Allowance for loan losses, end of period | $ | 4,780 |  | $ | 3,089 |  | $ | 764 |  | $ | 27 |  | $ | 43 |  | $ | 9 |  | $ | 8,712 |
Individually evaluated for impairment | $ | 5,651 |  | $ | 1,982 |  | $ | 1,468 |  | $ | — |  | $ | 110 |  | $ | — |  | $ | 9,211 |
Collectively evaluated for impairment | 369,330 |  | 342,295 |  | 100,150 |  | 6,039 |  | 542 |  | 246 |  | 818,602 |
| Total loans held for investment, gross | $ | 374,981 |  | $ | 344,277 |  | $ | 101,618 |  | $ | 6,039 |  | $ | 652 |  | $ | 246 |  | $ | 827,813 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.27 | % | 0.90 | % | 0.75 | % | 0.45 | % | 6.60 | % | 3.66 | % | 1.05 | %
|  | Nine Months Ended March 31, 2014
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance at beginning of period | $ | 9,062 |  | $ | 4,689 |  | $ | 1,053 |  | $ | — |  | $ | 119 |  | $ | 12 |  | $ | 14,935 |
(Recovery) provision for loan losses | (2,961 | ) | 312 |  | (19 | ) | — |  | (22 | ) | 1 |  | (2,689 | )
Recoveries | 331 |  | 75 |  | — |  | 20 |  | — |  | 1 |  | 427 |
Charge-offs | (965 | ) | (1,671 | ) | — |  | — |  | (9 | ) | (4 | ) | (2,649 | )
| Allowance for loan losses, end of period | $ | 5,467 |  | $ | 3,405 |  | $ | 1,034 |  | $ | 20 |  | $ | 88 |  | $ | 10 |  | $ | 10,024 |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 41 |  | $ | — |  | $ | 41 |
Collectively evaluated for impairment | 5,467 |  | 3,405 |  | 1,034 |  | 20 |  | 47 |  | 10 |  | 9,983 |
| Allowance for loan losses, end of period | $ | 5,467 |  | $ | 3,405 |  | $ | 1,034 |  | $ | 20 |  | $ | 88 |  | $ | 10 |  | $ | 10,024 |
Individually evaluated for impairment | $ | 6,821 |  | $ | 2,565 |  | $ | 3,562 |  | $ | — |  | $ | 123 |  | $ | — |  | $ | 13,071 |
Collectively evaluated for impairment | 374,205 |  | 286,684 |  | 100,980 |  | 1,792 |  | 928 |  | 324 |  | 764,913 |
| Total loans held for investment, gross | $ | 381,026 |  | $ | 289,249 |  | $ | 104,542 |  | $ | 1,792 |  | $ | 1,051 |  | $ | 324 |  | $ | 777,984 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.43 | % | 1.18 | % | 0.99 | % | 1.12 | % | 8.37 | % | 3.09 | % | 1.29 | %
Schedule of Allowance for Loan Losses | The following table summarizes the Corporation’s allowance for loan losses at March 31, 2015 and June 30, 2014:
(In Thousands) | March 31, 2015 | June 30, 2014
Collectively evaluated for impairment: |  |
Mortgage loans: |  |
Single-family | $ | 4,780 |  | $ | 5,476 |
Multi-family | 3,089 |  | 3,142 |
Commercial real estate | 764 |  | 989 |
Construction | 27 |  | 35 |
Commercial business loans | 23 |  | 51 |
Consumer loans | 9 |  | 10 |
Total collectively evaluated allowance | 8,692 |  | 9,703 |
Individually evaluated for impairment: |  |
Commercial business loans | 20 |  | 41 |
Total individually evaluated allowance | 20 |  | 41 |
Total loan loss allowance | $ | 8,712 |  | $ | 9,744 |
The following table is provided to disclose additional details on the Corporation’s allowance for loan losses:
| For the Quarters Ended March 31, | For the Nine Months Ended March 31,
(Dollars in Thousands) | 2015 | 2014 | 2015 | 2014
Allowance at beginning of period | $ | 8,693 |  | $ | 11,041 |  | $ | 9,744 |  | $ | 14,935 |
Recovery from the allowance for loan losses | (111 | ) | (849 | ) | (1,283 | ) | (2,689 | )
Recoveries: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family | 226 |  | 64 |  | 499 |  | 331 |
Multi-family | 65 |  | 56 |  | 229 |  | 75 |
Construction | — |  | — |  | — |  | 20 |
Consumer loans | — |  | — |  | 1 |  | 1 |
Total recoveries | 291 |  | 120 |  | 729 |  | 427 |
Charge-offs: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family | (88 | ) | (185 | ) | (405 | ) | (965 | )
Multi-family | — |  | (94 | ) | — |  | (1,671 | )
Commercial real estate | (73 | ) | — |  | (73 | ) | — |
Commercial business loans | — |  | (9 | ) | — |  | (9 | )
Consumer loans | — |  | — |  | — |  | (4 | )
Total charge-offs | (161 | ) | (288 | ) | (478 | ) | (2,649 | )
Net recoveries (charge-offs) | 130 |  | (168 | ) | 251 |  | (2,222 | )
Balance at end of period | $ | 8,712 |  | $ | 10,024 |  | $ | 8,712 |  | $ | 10,024 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.05 | % | 1.29 | % | 1.05 | % | 1.29 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) | (0.05 | )% | 0.08 | % | (0.04 | )% | 0.34 | %
Allowance for loan losses as a percentage of gross non-performing loans at the end of the period | 79.74 | % | 55.55 | % | 79.74 | % | 55.55 | %
Schedule of Recorded Investment in Non-Performing Loans |
|  |  | At March 31, 2015
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | With a related allowance | $ | 1,454 |  | $ | — |  | $ | 1,454 |  | $ | (307 | ) | $ | 1,147 |
|  | Without a related allowance(2) | 7,504 |  | (1,853 | ) | 5,651 |  | — |  | 5,651 |
| Total single-family | 8,958 |  | (1,853 | ) | 7,105 |  | (307 | ) | 6,798 |
| Multi-family: |  |  |  |  |
|  | With a related allowance | 257 |  | — |  | 257 |  | (77 | ) | 180 |
|  | Without a related allowance(2) | 3,332 |  | (1,350 | ) | 1,982 |  | — |  | 1,982 |
| Total multi-family | 3,589 |  | (1,350 | ) | 2,239 |  | (77 | ) | 2,162 |
| Commercial real estate: |  |  |  |  |
|  | Without a related allowance(2) | 1,468 |  | — |  | 1,468 |  | — |  | 1,468 |
| Total commercial real estate | 1,468 |  | — |  | 1,468 |  | — |  | 1,468 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 114 |  | — |  | 114 |  | (21 | ) | 93 |
Total commercial business loans | 114 |  | — |  | 114 |  | (21 | ) | 93 |
Total non-performing loans | $ | 14,129 |  | $ | (3,203 | ) | $ | 10,926 |  | $ | (405 | ) | $ | 10,521 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  |  | At June 30, 2014
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | With a related allowance | $ | 5,480 |  | $ | — |  | $ | 5,480 |  | $ | (1,148 | ) | $ | 4,332 |
|  | Without a related allowance(2) | 8,208 |  | (2,141 | ) | 6,067 |  | — |  | 6,067 |
| Total single-family | 13,688 |  | (2,141 | ) | 11,547 |  | (1,148 | ) | 10,399 |
| Multi-family: |  |  |  |  |
|  | With a related allowance | 956 |  | — |  | 956 |  | (354 | ) | 602 |
|  | Without a related allowance(2) | 4,146 |  | (1,655 | ) | 2,491 |  | — |  | 2,491 |
| Total multi-family | 5,102 |  | (1,655 | ) | 3,447 |  | (354 | ) | 3,093 |
| Commercial real estate: |  |  |  |  |
|  | Without a related allowance(2) | 2,352 |  | — |  | 2,352 |  | — |  | 2,352 |
| Total commercial real estate | 2,352 |  | — |  | 2,352 |  | — |  | 2,352 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 138 |  | — |  | 138 |  | (46 | ) | 92 |
Total commercial business loans | 138 |  | — |  | 138 |  | (46 | ) | 92 |
Total non-performing loans | $ | 21,280 |  | $ | (3,796 | ) | $ | 17,484 |  | $ | (1,548 | ) | $ | 15,936 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of Average Recorded Investment in Non-Performing Loans and Related Interest Income [Table Text Block] | The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarters and nine months ended March 31, 2015 and 2014:
|  |  | Quarter Ended March 31,
|  |  | 2015 |  | 2014
|  |  | Average | Interest |  | Average | Interest
|  |  | Recorded | Income |  | Recorded | Income
|  |  | Investment | Recognized |  | Investment | Recognized
Without related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | $ | 5,827 |  | $ | 19 |  |  | $ | 6,966 |  | $ | — |
|  | Multi-family | 1,988 |  | — |  |  | 2,517 |  | 2 |
|  | Commercial real estate | 1,487 |  | 21 |  |  | 2,999 |  | 30 |
|  |  | 9,302 |  | 40 |  |  | 12,482 |  | 32 |
With related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | 1,619 |  | 8 |  |  | 5,039 |  | 48 |
|  | Multi-family | 259 |  | — |  |  | 969 |  | 12 |
| Commercial business loans | 116 |  | 2 |  |  | 226 |  | 3 |
|  | 1,994 |  | 10 |  |  | 6,234 |  | 63 |
| Total | $ | 11,296 |  | $ | 50 |  |  | $ | 18,716 |  | $ | 95 |
|  |  | Nine Months Ended March 31,
|  |  | 2015 |  | 2014
|  |  | Average | Interest |  | Average | Interest
|  |  | Recorded | Income |  | Recorded | Income
|  |  | Investment | Recognized |  | Investment | Recognized
Without related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | $ | 6,813 |  | $ | 53 |  |  | $ | 6,689 |  | $ | 19 |
|  | Multi-family | 2,094 |  | — |  |  | 2,845 |  | 36 |
|  | Commercial real estate | 1,926 |  | 146 |  |  | 3,416 |  | 218 |
|  |  | 10,833 |  | 199 |  |  | 12,950 |  | 273 |
With related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | 1,872 |  | 36 |  |  | 5,584 |  | 116 |
|  | Multi-family | 417 |  | 13 |  |  | 1,005 |  | 39 |
| Commercial business loans | 124 |  | 7 |  |  | 197 |  | 9 |
|  | 2,413 |  | 56 |  |  | 6,786 |  | 164 |
| Total | $ | 13,246 |  | $ | 255 |  |  | $ | 19,736 |  | $ | 437 |
Schedule of Aging Analysis of Non-Performing Loans | The following tables denote the past due status of the Corporation's loans held for investment, gross, at the dates indicated.
|  | March 31, 2015
(In Thousands) | Current | 30-89 Days Past Due | Non-Accrual (1) | Total Loans Held for Investment, Gross
Mortgage loans: |  |  |  |
| Single-family | $ | 363,432 |  | $ | 4,444 |  | $ | 7,105 |  | $ | 374,981 |
| Multi-family | 342,038 |  | — |  | 2,239 |  | 344,277 |
| Commercial real estate | 100,150 |  | — |  | 1,468 |  | 101,618 |
| Construction | 6,039 |  | — |  | — |  | 6,039 |
Commercial business loans | 538 |  | — |  | 114 |  | 652 |
Consumer loans | 245 |  | 1 |  | — |  | 246 |
| Total loans held for investment, gross | $ | 812,442 |  | $ | 4,445 |  | $ | 10,926 |  | $ | 827,813 |
(1) All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2014
(In Thousands) | Current | 30-89 Days Past Due | Non-Accrual (1) | Total Loans Held for Investment, Gross
Mortgage loans: |  |  |  |
| Single-family | $ | 365,955 |  | $ | 322 |  | $ | 11,547 |  | $ | 377,824 |
| Multi-family | 297,744 |  | — |  | 3,447 |  | 301,191 |
| Commercial real estate | 94,429 |  | — |  | 2,352 |  | 96,781 |
| Construction | 2,869 |  | — |  | — |  | 2,869 |
Commercial business loans | 1,099 |  | — |  | 138 |  | 1,237 |
Consumer loans | 306 |  | — |  | — |  | 306 |
| Total loans held for investment, gross | $ | 762,402 |  | $ | 322 |  | $ | 17,484 |  | $ | 780,208 |
(1) All loans 90 days or greater past due are placed on non-accrual status.
Schedule of Troubled Debt Restructurings by Nonaccrual Versus Accrual Status | The following table summarizes at the dates indicated the restructured loan balances, net of allowance for loan losses, by loan type and non-accrual versus accrual status:
(In Thousands) | March 31, 2015 | June 30, 2014
Restructured loans on non-accrual status: |  |
Mortgage loans: |  |
Single-family | $ | 2,037 |  | $ | 2,957 |
Multi-family | 1,580 |  | 1,760 |
Commercial real estate | 1,024 |  | 800 |
Commercial business loans | 93 |  | 92 |
Total | 4,734 |  | 5,609 |
Restructured loans on accrual status: |  |  |  |
Mortgage loans: |  |  |  |
Single-family | 2,023 |  | 343 |
Total | 2,023 |  | 343 |
Total restructured loans | $ | 6,757 |  | $ | 5,952 |
Schedule of Recorded Investment in Restructured Loans [Table Text Block] | The following tables identify the Corporation’s total recorded investment in restructured loans by type at the dates and for the periods indicated.
|  |  | At March 31, 2015
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | With a related allowance | $ | 335 |  | $ | — |  | $ | 335 |  | $ | (67 | ) | $ | 268 |
|  | Without a related allowance(2) | 4,708 |  | (916 | ) | 3,792 |  | — |  | 3,792 |
| Total single-family | 5,043 |  | (916 | ) | 4,127 |  | (67 | ) | 4,060 |
| Multi-family: |  |  |  |  |
|  | Without a related allowance(2) | 2,862 |  | (1,282 | ) | 1,580 |  | — |  | 1,580 |
| Total multi-family | 2,862 |  | (1,282 | ) | 1,580 |  | — |  | 1,580 |
| Commercial real estate: |  |  |  |  |
|  | Without a related allowance(2) | 1,024 |  | — |  | 1,024 |  | — |  | 1,024 |
| Total commercial real estate | 1,024 |  | — |  | 1,024 |  | — |  | 1,024 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 114 |  | — |  | 114 |  | (21 | ) | 93 |
Total commercial business loans | 114 |  | — |  | 114 |  | (21 | ) | 93 |
Total restructured loans | $ | 9,043 |  | $ | (2,198 | ) | $ | 6,845 |  | $ | (88 | ) | $ | 6,757 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  |  | At June 30, 2014
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family |  |  |  |  |
|  | With a related allowance | $ | 994 |  | $ | — |  | $ | 994 |  | $ | (248 | ) | $ | 746 |
|  | Without a related allowance(2) | 3,564 |  | (1,010 | ) | 2,554 |  | — |  | 2,554 |
| Total single-family | 4,558 |  | (1,010 | ) | 3,548 |  | (248 | ) | 3,300 |
| Multi-family: |  |  |  |  |
|  | Without a related allowance(2) | 3,138 |  | (1,378 | ) | 1,760 |  | — |  | 1,760 |
| Total multi-family | 3,138 |  | (1,378 | ) | 1,760 |  | — |  | 1,760 |
| Commercial real estate: |  |  |  |  |
|  | Without a related allowance(2) | 800 |  | — |  | 800 |  | — |  | 800 |
| Total commercial real estate | 800 |  | — |  | 800 |  | — |  | 800 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 138 |  | — |  | 138 |  | (46 | ) | 92 |
Total commercial business loans | 138 |  | — |  | 138 |  | (46 | ) | 92 |
Total restructured loans | $ | 8,634 |  | $ | (2,388 | ) | $ | 6,246 |  | $ | (294 | ) | $ | 5,952 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.

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