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Loans Held For Investment (Tables) | 12 Months Ended
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Jun. 30, 2019
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of Loans Held for Investment |
(In Thousands) |  | June 30, 2019 |  |  | June 30, 2018 |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 324,952 |  |  | $ | 314,808 |
Multi-family |  |  | 439,041 |  |  |  | 476,008 |
Commercial real estate |  |  | 111,928 |  |  |  | 109,726 |
Construction |  |  | 4,638 |  |  |  | 3,174 |
Other |  |  | 167 |  |  |  | 167 |
Commercial business loans |  |  | 478 |  |  |  | 500 |
Consumer loans |  |  | 134 |  |  |  | 109 |
Total loans held for investment, gross |  |  | 881,338 |  |  |  | 904,492 |
Advance payments of escrows |  |  | 53 |  |  |  | 18 |
Deferred loan costs, net |  |  | 5,610 |  |  |  | 5,560 |
Allowance for loan losses |  |  | (7,076 | ) |  |  | (7,385 | )
Total loans held for investment, net |  | $ | 879,925 |  |  | $ | 902,685 |
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 | $ | 97,426 |  | $ | 38,371 |  | $ | 117,809 |  | $ | 59,230 |  | $ | 12,116 |  | $ | 324,952 |
Multi-family | 116,357 |  | 164,462 |  | 135,239 |  | 22,795 |  | 188 |  | 439,041 |
Commercial real estate | 40,053 |  | 32,331 |  | 37,815 |  | 1,280 |  | 449 |  | 111,928 |
Construction | 3,919 |  | — |  | — |  | 60 |  | 659 |  | 4,638 |
Other | — |  | — |  | — |  | — |  | 167 |  | 167 |
Commercial business loans | 122 |  | — |  | — |  | — |  | 356 |  | 478 |
Consumer loans | 134 |  | — |  | — |  | — |  | — |  | 134 |
Total loans held for investment, gross | $ | 258,011 |  | $ | 235,164 |  | $ | 290,863 |  | $ | 83,365 |  | $ | 13,935 |  | $ | 881,338 |
Schedule of gross loans held for investment by loan types |
|  | June 30, 2019 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 314,036 |  |  | $ | 435,177 |  |  | $ | 111,001 |  |  | $ | 3,667 |  |  | $ | 167 |  |  | $ | 429 |  |  | $ | 134 |  |  | $ | 864,611 |
Special Mention |  |  | 3,795 |  |  |  | 3,864 |  |  |  | 927 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,586 |
Substandard |  |  | 7,121 |  |  |  | — |  |  |  | — |  |  |  | 971 |  |  |  | — |  |  |  | 49 |  |  |  | — |  |  |  | 8,141 |
Total loans held for investment, gross |  | $ | 324,952 |  |  | $ | 439,041 |  |  | $ | 111,928 |  |  | $ | 4,638 |  |  | $ | 167 |  |  | $ | 478 |  |  | $ | 134 |  |  | $ | 881,338 |
|  | June 30, 2018 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 304,619 |  |  | $ | 472,061 |  |  | $ | 108,786 |  |  | $ | 3,174 |  |  | $ | 167 |  |  | $ | 430 |  |  | $ | 109 |  |  | $ | 889,346 |
Special Mention |  |  | 2,548 |  |  |  | 3,947 |  |  |  | 940 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,435 |
Substandard |  |  | 7,641 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 70 |  |  |  | — |  |  |  | 7,711 |
Total loans held for investment, gross |  | $ | 314,808 |  |  | $ | 476,008 |  |  | $ | 109,726 |  |  | $ | 3,174 |  |  | $ | 167 |  |  | $ | 500 |  |  | $ | 109 |  |  | $ | 904,492 |
Schedule of allowance for loan losses and recorded investment |
|  | Year Ended June 30, 2019 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance at beginning of period |  | $ | 2,783 |  |  | $ | 3,492 |  |  | $ | 1,030 |  |  | $ | 47 |  |  | $ | 3 |  |  | $ | 24 |  |  | $ | 6 |  |  | $ | 7,385 |
Provision (recovery) for loan losses |  |  | (241 | ) |  |  | (273 | ) |  |  | 20 |  |  |  | 14 |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | (475 | )
Recoveries |  |  | 198 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 200 |
Charge-offs |  |  | (31 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (3 | ) |  |  | (34 | )
Allowance for loan losses, end of period |  | $ | 2,709 |  |  | $ | 3,219 |  |  | $ | 1,050 |  |  | $ | 61 |  |  | $ | 3 |  |  | $ | 26 |  |  | $ | 8 |  |  | $ | 7,076 |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 122 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |  |  | $ | — |  |  | $ | 130 |
Collectively evaluated for impairment |  |  | 2,587 |  |  |  | 3,219 |  |  |  | 1,050 |  |  |  | 61 |  |  |  | 3 |  |  |  | 18 |  |  |  | 8 |  |  |  | 6,946 |
Allowance for loan losses, end of period |  | $ | 2,709 |  |  | $ | 3,219 |  |  | $ | 1,050 |  |  | $ | 61 |  |  | $ | 3 |  |  | $ | 26 |  |  | $ | 8 |  |  | $ | 7,076 |
Gross Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,199 |  |  | $ | — |  |  | $ | — |  |  | $ | 971 |  |  | $ | — |  |  | $ | 49 |  |  | $ | — |  |  | $ | 6,219 |
Collectively evaluated for impairment |  |  | 319,753 |  |  |  | 439,041 |  |  |  | 111,928 |  |  |  | 3,667 |  |  |  | 167 |  |  |  | 429 |  |  |  | 134 |  |  |  | 875,119 |
Total loans held for investment, gross |  | $ | 324,952 |  |  | $ | 439,041 |  |  | $ | 111,928 |  |  | $ | 4,638 |  |  | $ | 167 |  |  | $ | 478 |  |  | $ | 134 |  |  | $ | 881,338 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.83 | % |  |  | 0.73 | % |  |  | 0.94 | % |  |  | 1.32 | % |  |  | 1.80 | % |  |  | 5.44 | % |  |  | 5.97 | % |  |  | 0.80 | %
|  | Year Ended June 30, 2018 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance at beginning of period |  | $ | 3,601 |  |  | $ | 3,420 |  |  | $ | 879 |  |  | $ | 96 |  |  | $ | — |  |  | $ | 36 |  |  | $ | 7 |  |  | $ | 8,039 |
Provision (recovery) for loan losses |  |  | (704 | ) |  |  | 72 |  |  |  | 151 |  |  |  | (49 | ) |  |  | 3 |  |  |  | (12 | ) |  |  | 3 |  |  |  | (536 | )
Recoveries |  |  | 278 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 278 |
Charge-offs |  |  | (392 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (4 | ) |  |  | (396 | )
Allowance for loan losses, end of period |  | $ | 2,783 |  |  | $ | 3,492 |  |  | $ | 1,030 |  |  | $ | 47 |  |  | $ | 3 |  |  | $ | 24 |  |  | $ | 6 |  |  | $ | 7,385 |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 151 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 6 |  |  | $ | — |  |  | $ | 157 |
Collectively evaluated for impairment |  |  | 2,632 |  |  |  | 3,492 |  |  |  | 1,030 |  |  |  | 47 |  |  |  | 3 |  |  |  | 18 |  |  |  | 6 |  |  |  | 7,228 |
Allowance for loan losses, end of period |  | $ | 2,783 |  |  | $ | 3,492 |  |  | $ | 1,030 |  |  | $ | 47 |  |  | $ | 3 |  |  | $ | 24 |  |  | $ | 6 |  |  | $ | 7,385 |
Gross Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,072 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 70 |  |  | $ | — |  |  | $ | 7,142 |
Collectively evaluated for impairment |  |  | 307,736 |  |  |  | 476,008 |  |  |  | 109,726 |  |  |  | 3,174 |  |  |  | 167 |  |  |  | 430 |  |  |  | 109 |  |  |  | 897,350 |
Total loans held for investment, gross |  | $ | 314,808 |  |  | $ | 476,008 |  |  | $ | 109,726 |  |  | $ | 3,174 |  |  | $ | 167 |  |  | $ | 500 |  |  | $ | 109 |  |  | $ | 904,492 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.88 | % |  |  | 0.73 | % |  |  | 0.94 | % |  |  | 1.48 | % |  |  | 1.80 | % |  |  | 4.80 | % |  |  | 5.50 | % |  |  | 0.81 | %
Schedule of Allowance for Loan Losses |
|  | Year Ended June 30, |
(In Thousands) |  | 2019 |  |  | 2018 |
Balance, beginning of year |  | $ | 7,385 |  |  | $ | 8,039 |
Recovery from the allowance for loan losses |  |  | (475 | ) |  |  | (536 | )
Recoveries |  |  | 200 |  |  |  | 278 |
Charge-offs |  |  | (34 | ) |  |  | (396 | )
Balance, end of year |  | $ | 7,076 |  |  | $ | 7,385 |
Schedule of Recorded Investment in Non-Performing Loans |
|  | At or For the Year Ended June 30, 2019 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |  |  | Average |  |  | Interest |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |  |  | Recorded |  |  | Income |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |  |  | Investment |  |  | Recognized |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,640 |  |  | $ | — |  |  | $ | 2,640 |  |  | $ | (434 | ) |  | $ | 2,206 |  |  | $ | 1,583 |  |  | $ | 110 |
Without a related allowance(2) |  |  | 3,518 |  |  |  | (518 | ) |  |  | 3,000 |  |  |  | — |  |  |  | 3,000 |  |  |  | 4,301 |  |  |  | 293 |
Total single-family |  |  | 6,158 |  |  |  | (518 | ) |  |  | 5,640 |  |  |  | (434 | ) |  |  | 5,206 |  |  |  | 5,884 |  |  |  | 403 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance(2) |  |  | 971 |  |  |  | — |  |  |  | 971 |  |  |  | — |  |  |  | 971 |  |  |  | 664 |  |  |  | — |
Total commercial real estate |  |  | 971 |  |  |  | — |  |  |  | 971 |  |  |  | — |  |  |  | 971 |  |  |  | 664 |  |  |  | — |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 49 |  |  |  | — |  |  |  | 49 |  |  |  | (8 | ) |  |  | 41 |  |  |  | 58 |  |  |  | 5 |
Total commercial business loans |  |  | 49 |  |  |  | — |  |  |  | 49 |  |  |  | (8 | ) |  |  | 41 |  |  |  | 58 |  |  |  | 5 |
Total non-performing loans |  | $ | 7,178 |  |  | $ | (518 | ) |  | $ | 6,660 |  |  | $ | (442 | ) |  | $ | 6,218 |  |  | $ | 6,606 |  |  | $ | 408 |
| (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 or For the Year Ended June 30, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |  |  | Average |  |  | Interest |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |  |  | Recorded |  |  | Income |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |  |  | Investment |  |  | Recognized |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,333 |  |  | $ | — |  |  | $ | 1,333 |  |  | $ | (185 | ) |  | $ | 1,148 |  |  | $ | 871 |  |  | $ | 51 |
Without a related allowance(2) |  |  | 5,569 |  |  |  | (724 | ) |  |  | 4,845 |  |  |  | — |  |  |  | 4,845 |  |  |  | 6,767 |  |  |  | 203 |
Total single-family |  |  | 6,902 |  |  |  | (724 | ) |  |  | 6,178 |  |  |  | (185 | ) |  |  | 5,993 |  |  |  | 7,638 |  |  |  | 254 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance(2) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17 |  |  |  | 13 |
Total commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17 |  |  |  | 13 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |  |  |  | 75 |  |  |  | 5 |
Total commercial business loans |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |  |  |  | 75 |  |  |  | 5 |
Total non-performing loans |  | $ | 6,972 |  |  | $ | (724 | ) |  | $ | 6,248 |  |  | $ | (191 | ) |  | $ | 6,057 |  |  | $ | 7,730 |  |  | $ | 272 |
| (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 Aging Analysis of Non-Performing Loans |
|  | June 30, 2019 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | Non-Accrual(1) |  |  | Total Loans Held for Investment, Gross |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 318,671 |  |  | $ | 660 |  |  | $ | 5,621 |  |  | $ | 324,952 |
Multi-family |  |  | 439,041 |  |  |  | — |  |  |  | — |  |  |  | 439,041 |
Commercial real estate |  |  | 111,928 |  |  |  | — |  |  |  | — |  |  |  | 111,928 |
Construction |  |  | 3,667 |  |  |  | — |  |  |  | 971 |  |  |  | 4,638 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 429 |  |  |  | — |  |  |  | 49 |  |  |  | 478 |
Consumer loans |  |  | 129 |  |  |  | 5 |  |  |  | — |  |  |  | 134 |
Total loans held for investment, gross |  | $ | 874,032 |  |  | $ | 665 |  |  | $ | 6,641 |  |  | $ | 881,338 |
| (1) | All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2018 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | Non-Accrual(1) |  |  | Total Loans Held for Investment, Gross |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 307,863 |  |  | $ | 804 |  |  | $ | 6,141 |  |  | $ | 314,808 |
Multi-family |  |  | 476,008 |  |  |  | — |  |  |  | — |  |  |  | 476,008 |
Commercial real estate |  |  | 109,726 |  |  |  | — |  |  |  | — |  |  |  | 109,726 |
Construction |  |  | 3,174 |  |  |  | — |  |  |  | — |  |  |  | 3,174 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 430 |  |  |  | — |  |  |  | 70 |  |  |  | 500 |
Consumer loans |  |  | 108 |  |  |  | 1 |  |  |  | — |  |  |  | 109 |
Total loans held for investment, gross |  | $ | 897,476 |  |  | $ | 805 |  |  | $ | 6,211 |  |  | $ | 904,492 |
| (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 |
|  | At June 30, |
(In Thousands) |  | 2019 |  |  | 2018 |
Restructured loans on non-accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 1,891 |  |  | $ | 3,328 |
Commercial business loans |  |  | 41 |  |  |  | 64 |
Total |  |  | 1,932 |  |  |  | 3,392 |
Restructured loans on accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 1,861 |  |  |  | 1,788 |
Total |  |  | 1,861 |  |  |  | 1,788 |
Total restructured loans |  | $ | 3,793 |  |  | $ | 5,180 |
Schedule of restructured loans by type, net of allowance for loan losses or charge-offs |
|  | At June 30, 2019 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,199 |  |  | $ | — |  |  | $ | 2,199 |  |  | $ | (122 | ) |  | $ | 2,077 |
Without a related allowance(2) |  |  | 2,040 |  |  |  | (365 | ) |  |  | 1,675 |  |  |  | — |  |  |  | 1,675 |
Total single-family |  |  | 4,239 |  |  |  | (365 | ) |  |  | 3,874 |  |  |  | (122 | ) |  |  | 3,752 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 49 |  |  |  | — |  |  |  | 49 |  |  |  | (8 | ) |  |  | 41 |
Total commercial business loans |  |  | 49 |  |  |  | — |  |  |  | 49 |  |  |  | (8 | ) |  |  | 41 |
Total restructured loans |  | $ | 4,288 |  |  | $ | (365 | ) |  | $ | 3,923 |  |  | $ | (130 | ) |  | $ | 3,793 |
| (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, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,228 |  |  | $ | — |  |  | $ | 2,228 |  |  | $ | (151 | ) |  | $ | 2,077 |
Without a related allowance(2) |  |  | 3,450 |  |  |  | (411 | ) |  |  | 3,039 |  |  |  | — |  |  |  | 3,039 |
Total single-family |  |  | 5,678 |  |  |  | (411 | ) |  |  | 5,267 |  |  |  | (151 | ) |  |  | 5,116 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total commercial business loans |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total restructured loans |  | $ | 5,748 |  |  | $ | (411 | ) |  | $ | 5,337 |  |  | $ | (157 | ) |  | $ | 5,180 |
| (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.
Summary of Related Party Loan Activity |
|  | Year Ended June 30, |
(In Thousands) |  | 2019 |  |  | 2018 |
Balance, beginning of year |  | $ | 677 |  |  | $ | 578 |
Originations |  |  | — |  |  |  | 2,415 |
Sales and payments |  |  | (675 | ) |  |  | (2,316 | )
Balance, end of year |  | $ | 2 |  |  | $ | 677 |

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