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Loans Held for Investment (Tables) | 9 Months Ended
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Mar. 31, 2019
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of loans held for investment |
(In Thousands) |  | March 31, 2019 |  |  | June 30, 2018 |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 314,824 |  |  | $ | 314,808 |
Multi-family |  |  | 449,812 |  |  |  | 476,008 |
Commercial real estate |  |  | 115,355 |  |  |  | 109,726 |
Construction (1) |  |  | 4,139 |  |  |  | 3,174 |
Other |  |  | 167 |  |  |  | 167 |
Commercial business loans (2) |  |  | 483 |  |  |  | 500 |
Consumer loans (3) |  |  | 133 |  |  |  | 109 |
Total loans held for investment, gross |  |  | 884,913 |  |  |  | 904,492 |
Advance payments of escrows |  |  | 225 |  |  |  | 18 |
Deferred loan costs, net |  |  | 5,496 |  |  |  | 5,560 |
Allowance for loan losses |  |  | (7,080 | ) |  |  | (7,385 | )
Total loans held for investment, net |  | $ | 883,554 |  |  | $ | 902,685 |
| (1) | Net of $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively
| (2) | Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
| (3) | Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
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 |  | $ | 100,302 |  |  | $ | 37,514 |  |  | $ | 102,300 |  |  | $ | 62,493 |  |  | $ | 12,215 |  |  | $ | 314,824 |
Multi-family |  |  | 125,503 |  |  |  | 162,437 |  |  |  | 145,968 |  |  |  | 15,710 |  |  |  | 194 |  |  |  | 449,812 |
Commercial real estate |  |  | 44,247 |  |  |  | 33,136 |  |  |  | 36,442 |  |  |  | 1,055 |  |  |  | 475 |  |  |  | 115,355 |
Construction |  |  | 3,581 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 558 |  |  |  | 4,139 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167 |  |  |  | 167 |
Commercial business loans |  |  | 75 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 408 |  |  |  | 483 |
Consumer loans |  |  | 133 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 133 |
Total loans held for investment, gross |  | $ | 273,841 |  |  | $ | 233,087 |  |  | $ | 284,710 |  |  | $ | 79,258 |  |  | $ | 14,017 |  |  | $ | 884,913
Schedule of gross loans held for investment by loan types and risk category |
|  | March 31, 2019 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 304,403 |  |  | $ | 445,927 |  |  | $ | 115,355 |  |  | $ | 3,394 |  |  | $ | 167 |  |  | $ | 430 |  |  | $ | 133 |  |  | $ | 869,809 |
Special Mention |  |  | 3,347 |  |  |  | 3,885 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,232 |
Substandard |  |  | 7,074 |  |  |  | — |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 53 |  |  |  | — |  |  |  | 7,872 |
Total loans held for investment, gross |  | $ | 314,824 |  |  | $ | 449,812 |  |  | $ | 115,355 |  |  | $ | 4,139 |  |  | $ | 167 |  |  | $ | 483 |  |  | $ | 133 |  |  | $ | 884,913 |
|  | 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 |
(In Thousands) |  | March 31, 2019 |  |  | June 30, 2018 |
Collectively evaluated for impairment: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 2,514 |  |  | $ | 2,632 |
Multi-family |  |  | 3,300 |  |  |  | 3,492 |
Commercial real estate |  |  | 1,042 |  |  |  | 1,030 |
Construction |  |  | 63 |  |  |  | 47 |
Other |  |  | 3 |  |  |  | 3 |
Commercial business loans |  |  | 18 |  |  |  | 18 |
Consumer loans |  |  | 8 |  |  |  | 6 |
Total collectively evaluated allowance |  |  | 6,948 |  |  |  | 7,228 |
Individually evaluated for impairment: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 123 |  |  |  | 151 |
Commercial business loans |  |  | 9 |  |  |  | 6 |
Total individually evaluated allowance |  |  | 132 |  |  |  | 157 |
Total loan loss allowance |  | $ | 7,080 |  |  | $ | 7,385 |
|  | For the Quarters Ended March 31, |  |  | For the Nine Months Ended March 31, |
(Dollars in Thousands) |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Allowance at beginning of period |  | $ | 7,061 |  |  | $ | 8,075 |  |  | $ | 7,385 |  |  | $ | 8,039 |
Provision (recovery) for loan losses |  |  | 4 |  |  |  | (505 | ) |  |  | (450 | ) |  |  | (347 | )
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 22 |  |  |  | 71 |  |  |  | 177 |  |  |  | 203 |
Consumer loans |  |  | 1 |  |  |  | — |  |  |  | 2 |  |  |  | — |
Total recoveries |  |  | 23 |  |  |  | 71 |  |  |  | 179 |  |  |  | 203 |
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | (6 | ) |  |  | (110 | ) |  |  | (31 | ) |  |  | (364 | )
Consumer loans |  |  | (2 | ) |  |  | — |  |  |  | (3 | ) |  |  | — |
Total charge-offs |  |  | (8 | ) |  |  | (110 | ) |  |  | (34 | ) |  |  | (364 | )
Net (charge-offs) recoveries |  |  | 15 |  |  |  | (39 | ) |  |  | 145 |  |  |  | (161 | )
Balance at end of period |  | $ | 7,080 |  |  | $ | 7,531 |  |  | $ | 7,080 |  |  | $ | 7,531 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period |  |  | 0.79 | % |  |  | 0.84 | % |  |  | 0.79 | % |  |  | 0.84 | %
Net charge-offs (recoveries) as a percentage of average loans receivable, net, during the period (annualized) |  |  | (0.01 | )% |  |  | 0.02 | % |  |  | (0.02 | )% |  |  | 0.02 | %
Schedule of past due status of gross loans held for investment, net of fair value adjustments |
|  | March 31, 2019 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | Non-Accrual (1) |  |  | Total Loans Held for Investment, Gross |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 308,554 |  |  | $ | 696 |  |  | $ | 5,574 |  |  | $ | 314,824 |
Multi-family |  |  | 449,812 |  |  |  | — |  |  |  | — |  |  |  | 449,812 |
Commercial real estate |  |  | 115,355 |  |  |  | — |  |  |  | — |  |  |  | 115,355 |
Construction |  |  | 3,394 |  |  |  | — |  |  |  | 745 |  |  |  | 4,139 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 430 |  |  |  | — |  |  |  | 53 |  |  |  | 483 |
Consumer loans |  |  | 130 |  |  |  | 3 |  |  |  | — |  |  |  | 133 |
Total loans held for investment, gross |  | $ | 877,842 |  |  | $ | 699 |  |  | $ | 6,372 |  |  | $ | 884,913 |
(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 allowance for loan losses and recorded investment |
|  | Quarter Ended March 31, 2019 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,679 |  |  | $ | 3,280 |  |  | $ | 1,019 |  |  | $ | 48 |  |  | $ | 3 |  |  | $ | 26 |  |  | $ | 6 |  |  | $ | 7,061 |
Provision (recovery) for loan losses |  |  | (58 | ) |  |  | 20 |  |  |  | 23 |  |  |  | 15 |  |  |  | — |  |  |  | 1 |  |  |  | 3 |  |  |  | 4 |
Recoveries |  |  | 22 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 23 |
Charge-offs |  |  | (6 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (8 | )
Allowance for loan losses, end of period |  | $ | 2,637 |  |  | $ | 3,300 |  |  | $ | 1,042 |  |  | $ | 63 |  |  | $ | 3 |  |  | $ | 27 |  |  | $ | 8 |  |  | $ | 7,080 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 123 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 132 |
Collectively evaluated for impairment |  |  | 2,514 |  |  |  | 3,300 |  |  |  | 1,042 |  |  |  | 63 |  |  |  | 3 |  |  |  | 18 |  |  |  | 8 |  |  |  | 6,948 |
Allowance for loan losses, end of period |  | $ | 2,637 |  |  | $ | 3,300 |  |  | $ | 1,042 |  |  | $ | 63 |  |  | $ | 3 |  |  | $ | 27 |  |  | $ | 8 |  |  | $ | 7,080 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,004 |  |  | $ | — |  |  | $ | — |  |  | $ | 745 |  |  | $ | — |  |  | $ | 53 |  |  | $ | — |  |  | $ | 6,802 |
Collectively evaluated for impairment |  |  | 308,820 |  |  |  | 449,812 |  |  |  | 115,355 |  |  |  | 3,394 |  |  |  | 167 |  |  |  | 430 |  |  |  | 133 |  |  |  | 878,111 |
Total loans held for investment, gross |  | $ | 314,824 |  |  | $ | 449,812 |  |  | $ | 115,355 |  |  | $ | 4,139 |  |  | $ | 167 |  |  | $ | 483 |  |  | $ | 133 |  |  | $ | 884,913 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.84 | % |  |  | 0.73 | % |  |  | 0.90 | % |  |  | 1.52 | % |  |  | 1.80 | % |  |  | 5.59 | % |  |  | 6.02 | % |  |  | 0.79 | %
|  | Quarter Ended March 31, 2018 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 3,303 |  |  | $ | 3,295 |  |  | $ | 933 |  |  | $ | 504 |  |  | $ | 32 |  |  | $ | 8 |  |  | $ | 8,075 |
Provision (recovery) for loan losses |  |  | (143 | ) |  |  | 17 |  |  |  | 33 |  |  |  | (410 | ) |  |  | (1 | ) |  |  | (1 | ) |  |  | (505 | )
Recoveries |  |  | 71 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 71 |
Charge-offs |  |  | (110 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (110 | )
Allowance for loan losses, end of period |  | $ | 3,121 |  |  | $ | 3,312 |  |  | $ | 966 |  |  | $ | 94 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 7,531 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 161 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 176 |
Collectively evaluated for impairment |  |  | 2,960 |  |  |  | 3,312 |  |  |  | 966 |  |  |  | 94 |  |  |  | 16 |  |  |  | 7 |  |  |  | 7,355 |
Allowance for loan losses, end of period |  | $ | 3,121 |  |  | $ | 3,312 |  |  | $ | 966 |  |  | $ | 94 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 7,531 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,929 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 73 |  |  | $ | — |  |  | $ | 8,002 |
Collectively evaluated for impairment |  |  | 308,983 |  |  |  | 466,266 |  |  |  | 106,937 |  |  |  | 5,324 |  |  |  | 377 |  |  |  | 130 |  |  |  | 888,017 |
Total loans held for investment, gross |  | $ | 316,912 |  |  | $ | 466,266 |  |  | $ | 106,937 |  |  | $ | 5,324 |  |  | $ | 450 |  |  | $ | 130 |  |  | $ | 896,019 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.98 | % |  |  | 0.71 | % |  |  | 0.90 | % |  |  | 1.77 | % |  |  | 6.89 | % |  |  | 5.38 | % |  |  | 0.84 | %
|  | Nine Months Ended March 31, 2019 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,783 |  |  | $ | 3,492 |  |  | $ | 1,030 |  |  | $ | 47 |  |  | $ | 3 |  |  | $ | 24 |  |  | $ | 6 |  |  | $ | 7,385 |
Provision (recovery) for loan losses |  |  | (292 | ) |  |  | (192 | ) |  |  | 12 |  |  |  | 16 |  |  |  | — |  |  |  | 3 |  |  |  | 3 |  |  |  | (450 | )
Recoveries |  |  | 177 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 179 |
Charge-offs |  |  | (31 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (3 |  |  |  |  | )(34)
Allowance for loan losses, end of period |  | $ | 2,637 |  |  | $ | 3,300 |  |  | $ | 1,042 |  |  | $ | 63 |  |  | $ | 3 |  |  | $ | 27 |  |  | $ | 8 |  |  | $ | 7,080 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 123 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 132 |
Collectively evaluated for impairment |  |  | 2,514 |  |  |  | 3,300 |  |  |  | 1,042 |  |  |  | 63 |  |  |  | 3 |  |  |  | 18 |  |  |  | 8 |  |  |  | 6,948 |
Allowance for loan losses, end of period |  | $ | 2,637 |  |  | $ | 3,300 |  |  | $ | 1,042 |  |  | $ | 63 |  |  | $ | 3 |  |  | $ | 27 |  |  | $ | 8 |  |  | $ | 7,080 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,004 |  |  | $ | — |  |  | $ | — |  |  | $ | 745 |  |  | $ | — |  |  | $ | 53 |  |  | $ | — |  |  | $ | 6,802 |
Collectively evaluated for impairment |  |  | 308,820 |  |  |  | 449,812 |  |  |  | 115,355 |  |  |  | 3,394 |  |  |  | 167 |  |  |  | 430 |  |  |  | 133 |  |  |  | 878,111 |
Total loans held for investment, gross |  | $ | 314,824 |  |  | $ | 449,812 |  |  | $ | 115,355 |  |  | $ | 4,139 |  |  | $ | 167 |  |  | $ | 483 |  |  | $ | 133 |  |  | $ | 884,913 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.84 | % |  |  | 0.73 | % |  |  | 0.90 | % |  |  | 1.52 | % |  |  | 1.80 | % |  |  | 5.59 | % |  |  | 6.02 | % |  |  | 0.79 | %
|  | Nine Months Ended March 31, 2018 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 3,601 |  |  | $ | 3,420 |  |  | $ | 879 |  |  | $ | 96 |  |  | $ | 36 |  |  | $ | 7 |  |  | $ | 8,039 |
Provision (recovery) for loan losses |  |  | (319 | ) |  |  | (108 | ) |  |  | 87 |  |  |  | (2 | ) |  |  | (5 | ) |  |  | — |  |  |  | (347 | )
Recoveries |  |  | 203 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 203 |
Charge-offs |  |  | (364 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (364 | )
Allowance for loan losses, end of period |  | $ | 3,121 |  |  | $ | 3,312 |  |  | $ | 966 |  |  | $ | 94 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 7,531 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 161 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 176 |
Collectively evaluated for impairment |  |  | 2,960 |  |  |  | 3,312 |  |  |  | 966 |  |  |  | 94 |  |  |  | 16 |  |  |  | 7 |  |  |  | 7,355 |
Allowance for loan losses, end of period |  | $ | 3,121 |  |  | $ | 3,312 |  |  | $ | 966 |  |  | $ | 94 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 7,531 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,929 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 73 |  |  | $ | — |  |  | $ | 8,002 |
Collectively evaluated for impairment |  |  | 308,983 |  |  |  | 466,266 |  |  |  | 106,937 |  |  |  | 5,324 |  |  |  | 377 |  |  |  | 130 |  |  |  | 888,017 |
Total loans held for investment, gross |  | $ | 316,912 |  |  | $ | 466,266 |  |  | $ | 106,937 |  |  | $ | 5,324 |  |  | $ | 450 |  |  | $ | 130 |  |  | $ | 896,019 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.98 | % |  |  | 0.71 | % |  |  | 0.90 | % |  |  | 1.77 | % |  |  | 6.89 |  |  |  | 5.38 | % |  |  | 0.84 | %
Schedule of recorded investment in non-performing loans |
|  | At March 31, 2019 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance (1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,813 |  |  | $ | — |  |  | $ | 1,813 |  |  | $ | (284 | ) |  | $ | 1,529 |
Without a related allowance (2) |  |  | 4,336 |  |  |  | (539 | ) |  |  | 3,797 |  |  |  | — |  |  |  | 3,797 |
Total single-family |  |  | 6,149 |  |  |  | (539 | ) |  |  | 5,610 |  |  |  | (284 | ) |  |  | 5,326 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance (3) |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Total construction |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 53 |  |  |  | — |  |  |  | 53 |  |  |  | (9 | ) |  |  | 44 |
Total commercial business loans |  |  | 53 |  |  |  | — |  |  |  | 53 |  |  |  | (9 | ) |  |  | 44 |
Total non-performing loans |  | $ | 6,947 |  |  | $ | (539 | ) |  | $ | 6,408 |  |  | $ | (293 | ) |  | $ | 6,115 |
| (1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments.
| (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.
| (3) | There was no related allowance for loan losses because the loans, net of undisbursed loan funds, have been charged-off to their fair value or the fair value of the collateral is higher than the net 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 |  | $ | 1,333 |  |  | $ | — |  |  | $ | 1,333 |  |  | $ | (185 | ) |  | $ | 1,148 |
Without a related allowance (2) |  |  | 5,569 |  |  |  | (724 | ) |  |  | 4,845 |  |  |  | — |  |  |  | 4,845 |
Total single-family |  |  | 6,902 |  |  |  | (724 | ) |  |  | 6,178 |  |  |  | (185 | ) |  |  | 5,993 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total commercial business loans |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total non-performing loans |  | $ | 6,972 |  |  | $ | (724 | ) |  | $ | 6,248 |  |  | $ | (191 | ) |  | $ | 6,057 |
| (1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments.
| (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.
|  | Quarter Ended March 31, |
|  | 2019 |  |  | 2018 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(In Thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 2,785 |  |  | $ | — |  |  | $ | 6,397 |  |  | $ | 49 |
Construction |  |  | 745 |  |  |  | — |  |  |  | — |  |  |  | — |
|  |  | 3,530 |  |  |  | — |  |  |  | 6,397 |  |  |  | 49 |
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 2,841 |  |  |  | 29 |  |  |  | 1,170 |  |  |  | 20 |
Commercial business loans |  |  | 54 |  |  |  | 1 |  |  |  | 74 |  |  |  | 1 |
|  |  | 2,895 |  |  |  | 30 |  |  |  | 1,244 |  |  |  | 21 |
Total |  | $ | 6,425 |  |  | $ | 30 |  |  | $ | 7,641 |  |  | $ | 70 |
|  | Nine Months Ended March 31, |
|  | 2019 |  |  | 2018 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(In Thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,570 |  |  | $ | 229 |  |  | $ | 7,296 |  |  | $ | 184 |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 22 |  |  |  | 13 |
Construction |  |  | 579 |  |  |  | — |  |  |  | — |  |  |  | — |
|  |  | 4,149 |  |  |  | 229 |  |  |  | 7,318 |  |  |  | 197 |
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 2,466 |  |  |  | 89 |  |  |  | 738 |  |  |  | 39 |
Commercial business loans |  |  | 61 |  |  |  | 3 |  |  |  | 76 |  |  |  | 4 |
|  |  | 2,527 |  |  |  | 92 |  |  |  | 814 |  |  |  | 43 |
Total |  | $ | 6,676 |  |  | $ | 321 |  |  | $ | 8,132 |  |  | $ | 240 |
Schedule of troubled debt restructurings by nonaccrual versus accrual status |
|  | At |  |  | At |
(In Thousands) |  | March 31, 2019 |  |  | June 30, 2018 |
Restructured loans on non-accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 2,669 |  |  | $ | 3,328 |
Commercial business loans |  |  | 44 |  |  |  | 64 |
Total |  |  | 2,713 |  |  |  | 3,392 |
Restructured loans on accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 1,865 |  |  |  | 1,788 |
Total |  |  | 1,865 |  |  |  | 1,788 |
Total restructured loans |  | $ | 4,578 |  |  | $ | 5,180 |
Schedule of recorded investment in restructured loans |
|  | At March 31, 2019 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance (1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,207 |  |  | $ | — |  |  | $ | 2,207 |  |  | $ | (123 | ) |  | $ | 2,084 |
Without a related allowance (2) |  |  | 2,818 |  |  |  | (368 | ) |  |  | 2,450 |  |  |  | — |  |  |  | 2,450 |
Total single-family |  |  | 5,025 |  |  |  | (368 | ) |  |  | 4,657 |  |  |  | (123 | ) |  |  | 4,534 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 53 |  |  |  | — |  |  |  | 53 |  |  |  | (9 | ) |  |  | 44 |
Total commercial business loans |  |  | 53 |  |  |  | — |  |  |  | 53 |  |  |  | (9 | ) |  |  | 44 |
Total restructured loans |  | $ | 5,078 |  |  | $ | (368 | ) |  | $ | 4,710 |  |  | $ | (132 | ) |  | $ | 4,578 |
| (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.

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