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Loans Held for Investment (Tables) | 9 Months Ended
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Mar. 31, 2020
Loans Held for Investment |
Schedule of loans held for investment |
|  | March 31, |  | June 30,
(In Thousands) |  | 2020 |  | 2019
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 326,686 |  | $ | 324,952
Multi-family |  |  | 475,941 |  |  | 439,041
Commercial real estate |  |  | 105,691 |  |  | 111,928
Construction (1) |  |  | 6,346 |  |  | 4,638
Other |  |  | — |  |  | 167
Commercial business loans (2) |  |  | 502 |  |  | 478
Consumer loans (3) |  |  | 122 |  |  | 134
Total loans held for investment, gross |  |  | 915,288 |  |  | 881,338
Advance payments of escrows |  |  | 193 |  |  | 53
Deferred loan costs, net |  |  | 6,636 |  |  | 5,610
Allowance for loan losses |  |  | (7,810) |  |  | (7,076)
Total loans held for investment, net |  | $ | 914,307 |  | $ | 879,925
| (1) |  | Net of $5.5 million and $6.6 million of undisbursed loan funds as of March 31, 2020 and June 30, 2019, respectively
| (2) |  | Net of $0.9 million and $1.0 million of undisbursed lines of credit as of March 31, 2020 and June 30, 2019, respectively.
| (3) |  | Net of $0.5 million and $0.5 million of undisbursed lines of credit as of March 31, 2020 and June 30, 2019, respectively.
Schedule of loans held for investment, contractual repricing |
|  | Adjustable Rate |  |  |  |  |  |
|  |  |  |  | After |  | After |  | After |  |  |  |  |  |
|  |  |  |  | One Year |  | 3 Years |  | 5 Years |  |  |  |  |  |
|  | Within One |  | Through 3 |  | Through 5 |  | Through 10 |  |  |  |  |  |
(In Thousands) |  | Year |  | Years |  | Years |  | Years |  | Fixed Rate |  | Total
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 86,557 |  | $ | 44,427 |  | $ | 110,309 |  | $ | 75,117 |  | $ | 10,276 |  | $ | 326,686
Multi-family |  |  | 149,627 |  |  | 160,236 |  |  | 154,391 |  |  | 11,523 |  |  | 164 |  |  | 475,941
Commercial real estate |  |  | 42,513 |  |  | 30,600 |  |  | 32,210 |  |  | — |  |  | 368 |  |  | 105,691
Construction |  |  | 4,902 |  |  | — |  |  | — |  |  | — |  |  | 1,444 |  |  | 6,346
Commercial business loans |  |  | 100 |  |  | — |  |  | — |  |  | — |  |  | 402 |  |  | 502
Consumer loans |  |  | 122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 122
Total loans held for investment, gross |  | $ | 283,821 |  | $ | 235,263 |  | $ | 296,910 |  | $ | 86,640 |  | $ | 12,654 |  | $ | 915,288
Schedule of gross loans held for investment by loan types and risk category |
|  | March 31, 2020
|  | Single- |  | Multi- |  | Commercial |  |  |  |  | Commercial |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total
Pass |  | $ | 316,974 |  | $ | 472,142 |  | $ | 105,691 |  | $ | 4,675 |  | $ | 462 |  | $ | 122 |  | $ | 900,066
Special Mention |  |  | 5,890 |  |  | 3,799 |  |  | — |  |  | 1,671 |  |  | — |  |  | — |  |  | 11,360
Substandard |  |  | 3,822 |  |  | — |  |  | — |  |  | — |  |  | 40 |  |  | — |  |  | 3,862
Total loans held for investment, gross |  | $ | 326,686 |  | $ | 475,941 |  | $ | 105,691 |  | $ | 6,346 |  | $ | 502 |  | $ | 122 |  | $ | 915,288
|  | June 30, 2019
|  | Single- |  | Multi- |  | Commercial |  |  |  |  | Other |  | Commercial |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Mortgage |  | 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
Schedule of allowance for loan losses | The following table is provided to disclose additional details for the periods indicated on the Corporation’s allowance for loan losses:
|  | For the Quarter Ended |  | For the Nine Months Ended |
|  | March 31, |  | March 31, |
(Dollars in Thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019 |
Allowance at beginning of period |  | $ | 6,921 |  | $ | 7,061 |  | $ | 7,076 |  | $ | 7,385 |
Provision (recovery) for loan losses |  |  | 874 |  |  | 4 |  |  | 671 |  |  | (450) |
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 14 |  |  | 22 |  |  | 63 |  |  | 177 |
Consumer loans |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 2 |
Total recoveries |  |  | 15 |  |  | 23 |  |  | 65 |  |  | 179 |
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | — |  |  | (6) |  |  | (1) |  |  | (31) |
Consumer loans |  |  | — |  |  | (2) |  |  | (1) |  |  | (3) |
Total charge-offs |  |  | — |  |  | (8) |  |  | (2) |  |  | (34) |
Net recoveries (charge-offs) |  |  | 15 |  |  | 15 |  |  | 63 |  |  | 145 |
Balance at end of period |  | $ | 7,810 |  | $ | 7,080 |  | $ | 7,810 |  | $ | 7,080 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period |  |  | 0.85 | % |  | 0.79 | % |  | 0.85 | % |  | 0.79 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) |  |  | (0.01) | % |  | (0.01) | % |  | (0.01) | % |  | (0.02) | %
Schedule of past due status of gross loans held for investment, net of fair value adjustments |
|  | March 31, 2020
|  |  |  |  | 30‑89 Days |  |  |  |  | Total Loans Held for
(In Thousands) |  | Current |  | Past Due |  | Non-Accrual (1) |  | Investment, Gross
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 320,104 |  | $ | 2,760 |  | $ | 3,822 |  | $ | 326,686
Multi-family |  |  | 475,941 |  |  | — |  |  | — |  |  | 475,941
Commercial real estate |  |  | 105,691 |  |  | — |  |  | — |  |  | 105,691
Construction |  |  | 6,346 |  |  | — |  |  | — |  |  | 6,346
Commercial business loans |  |  | 462 |  |  | — |  |  | 40 |  |  | 502
Consumer loans |  |  | 118 |  |  | 4 |  |  | — |  |  | 122
Total loans held for investment, gross |  | $ | 908,662 |  | $ | 2,764 |  | $ | 3,862 |  | $ | 915,288
| (1) |  | All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2019
|  |  |  |  | 30‑89 Days |  |  |  |  | Total Loans Held for
(In Thousands) |  | Current |  | Past Due |  | Non-Accrual (1) |  | 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.
Schedule of allowance for loan losses and recorded investment |
|  | Quarter Ended March 31, 2020 |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  | Commercial |  |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,157 |  | $ | 3,502 |  | $ | 1,058 |  | $ | 168 |  | $ | 28 |  | $ | 8 |  | $ | 6,921 |
Provision (recovery) for loan losses |  |  | 431 |  |  | 456 |  |  | 3 |  |  | (12) |  |  | (2) |  |  | (2) |  |  | 874 |
Recoveries |  |  | 14 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 15 |
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Allowance for loan losses, end of period |  | $ | 2,602 |  | $ | 3,958 |  | $ | 1,061 |  | $ | 156 |  | $ | 26 |  | $ | 7 |  | $ | 7,810 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 45 |  | $ | — |  | $ | — |  | $ | — |  | $ | 6 |  | $ | — |  | $ | 51 |
Collectively evaluated for impairment |  |  | 2,557 |  |  | 3,958 |  |  | 1,061 |  |  | 156 |  |  | 20 |  |  | 7 |  |  | 7,759 |
Allowance for loan losses, end of period |  | $ | 2,602 |  | $ | 3,958 |  | $ | 1,061 |  | $ | 156 |  | $ | 26 |  | $ | 7 |  | $ | 7,810 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,698 |  | $ | — |  | $ | — |  | $ | — |  | $ | 40 |  | $ | — |  | $ | 2,738 |
Collectively evaluated for impairment |  |  | 323,988 |  |  | 475,941 |  |  | 105,691 |  |  | 6,346 |  |  | 462 |  |  | 122 |  |  | 912,550 |
Total loans held for investment, gross |  | $ | 326,686 |  | $ | 475,941 |  | $ | 105,691 |  | $ | 6,346 |  | $ | 502 |  | $ | 122 |  | $ | 915,288 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.80 | % |  | 0.83 | % |  | 1.00 | % |  | 2.46 | % |  | 5.18 | % |  | 5.74 | % |  | 0.85 | %
|  | Quarter Ended March 31, 2019 |  |  |  |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  |  |  | Commercial |  |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Other |  | 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 | %
|  | Nine Months Ended March 31, 2020 |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  |  |  |  | Commercial |  |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Other |  | Business |  | Consumer |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,709 |  | $ | 3,219 |  | $ | 1,050 |  | $ | 61 |  | $ | 3 |  | $ | 26 |  | $ | 8 |  | $ | 7,076 |
Provision (recovery) for loan losses |  |  | (169) |  |  | 739 |  |  | 11 |  |  | 95 |  |  | (3) |  |  | — |  |  | (2) |  |  | 671 |
Recoveries |  |  | 63 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 65 |
Charge-offs |  |  | (1) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  |  | (2) |
Allowance for loan losses, end of period |  | $ | 2,602 |  | $ | 3,958 |  | $ | 1,061 |  | $ | 156 |  | $ | — |  | $ | 26 |  | $ | 7 |  | $ | 7,810 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 45 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 6 |  | $ | — |  | $ | 51 |
Collectively evaluated for impairment |  |  | 2,557 |  |  | 3,958 |  |  | 1,061 |  |  | 156 |  |  | — |  |  | 20 |  |  | 7 |  |  | 7,759 |
Allowance for loan losses, end of period |  | $ | 2,602 |  | $ | 3,958 |  | $ | 1,061 |  | $ | 156 |  | $ | — |  | $ | 26 |  | $ | 7 |  | $ | 7,810 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,698 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 40 |  | $ | — |  | $ | 2,738 |
Collectively evaluated for impairment |  |  | 323,988 |  |  | 475,941 |  |  | 105,691 |  |  | 6,346 |  |  | — |  |  | 462 |  |  | 122 |  |  | 912,550 |
Total loans held for investment, gross |  | $ | 326,686 |  | $ | 475,941 |  | $ | 105,691 |  | $ | 6,346 |  | $ | — |  | $ | 502 |  | $ | 122 |  | $ | 915,288 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.80 | % |  | 0.8 | % |  | 1.00 | % |  | 2.46 | % |  | — | % |  | 5.18 | % |  | 5.74 | % |  | 0.85 | %
|  | Nine Months Ended March 31, 2019 |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  |  |  | Commercial |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Other |  | 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 | %
Schedule of recorded investment in non-performing loans |
|  | At March 31, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,802 |  | $ | — |  | $ | 1,802 |  | $ | (274) |  | $ | 1,528
Without a related allowance (2) |  |  | 2,548 |  |  | (475) |  |  | 2,073 |  |  | — |  |  | 2,073
Total single-family |  |  | 4,350 |  |  | (475) |  |  | 3,875 |  |  | (274) |  |  | 3,601
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 40 |  |  | — |  |  | 40 |  |  | (6) |  |  | 34
Total commercial business loans |  |  | 40 |  |  | — |  |  | 40 |  |  | (6) |  |  | 34
Total non-performing loans |  | $ | 4,390 |  | $ | (475) |  | $ | 3,915 |  | $ | (280) |  | $ | 3,635
| (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.
|  | 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 |  | $ | 2,640 |  | $ | — |  | $ | 2,640 |  | $ | (434) |  | $ | 2,206
Without a related allowance (2) |  |  | 3,518 |  |  | (518) |  |  | 3,000 |  |  | — |  |  | 3,000
Total single-family |  |  | 6,158 |  |  | (518) |  |  | 5,640 |  |  | (434) |  |  | 5,206
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance(2) |  |  | 971 |  |  | — |  |  | 971 |  |  | — |  |  | 971
Total construction |  |  | 971 |  |  | — |  |  | 971 |  |  | — |  |  | 971
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 49 |  |  | — |  |  | 49 |  |  | (8) |  |  | 41
Total commercial business loans |  |  | 49 |  |  | — |  |  | 49 |  |  | (8) |  |  | 41
Total non-performing loans |  | $ | 7,178 |  | $ | (518) |  | $ | 6,660 |  | $ | (442) |  | $ | 6,218
| (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.
Schedule of Nonperforming Loans on Interest Income | The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarter and nine months ended March 31, 2020 and 2019:
|  | Quarter Ended March 31,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
(In Thousands) |  | Investment |  | Recognized |  | Investment |  | Recognized
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 2,282 |  | $ | 8 |  | $ | 2,785 |  | $ | —
Construction |  |  | — |  |  | — |  |  | 745 |  |  | —
|  |  | 2,282 |  |  | 8 |  |  | 3,530 |  |  | —
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 1,569 |  |  | 20 |  |  | 2,841 |  |  | 29
Commercial business loans |  |  | 40 |  |  | 1 |  |  | 54 |  |  | 1
|  |  | 1,609 |  |  | 21 |  |  | 2,895 |  |  | 30
Total |  | $ | 3,891 |  | $ | 29 |  | $ | 6,425 |  | $ | 30
|  | Nine Months Ended March 31,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
(In Thousands) |  | Investment |  | Recognized |  | Investment |  | Recognized
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 2,747 |  | $ | 119 |  | $ | 3,570 |  | $ | 229
Construction |  |  | 361 |  |  | 20 |  |  | 579 |  |  | —
|  |  | 3,108 |  |  | 139 |  |  | 4,149 |  |  | 229
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 1,291 |  |  | 44 |  |  | 2,466 |  |  | 89
Commercial business loans |  |  | 43 |  |  | 3 |  |  | 61 |  |  | 3
|  |  | 1,334 |  |  | 47 |  |  | 2,527 |  |  | 92
Total |  | $ | 4,442 |  | $ | 186 |  | $ | 6,676 |  | $ | 321
Schedule of troubled debt restructurings by nonaccrual versus accrual status |
|  | At |  | At
(In Thousands) |  | March 31, 2020 |  | June 30, 2019
Restructured loans on non-accrual status: |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 1,726 |  | $ | 1,891
Commercial business loans |  |  | 34 |  |  | 41
Total |  |  | 1,760 |  |  | 1,932
Restructured loans on accrual status: |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |
Single-family |  |  | — |  |  | 1,861
Total |  |  | — |  |  | 1,861
Total restructured loans |  | $ | 1,760 |  | $ | 3,793
Schedule of recorded investment in restructured loans |
|  | At March 31, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 677 |  | $ | — |  | $ | 677 |  | $ | (45) |  | $ | 632
Without a related allowance (2) |  |  | 1,459 |  |  | (365) |  |  | 1,094 |  |  | — |  |  | 1,094
Total single-family |  |  | 2,136 |  |  | (365) |  |  | 1,771 |  |  | (45) |  |  | 1,726
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 40 |  |  | — |  |  | 40 |  |  | (6) |  |  | 34
Total commercial business loans |  |  | 40 |  |  | — |  |  | 40 |  |  | (6) |  |  | 34
Total restructured loans |  | $ | 2,176 |  | $ | (365) |  | $ | 1,811 |  | $ | (51) |  | $ | 1,760
| (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, 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.

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