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Loans Held for Investment (Tables) | 3 Months Ended
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Sep. 30, 2021
Loans Held for Investment |
Schedule of loans held for investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, | ​ | June 30, | ​
(In Thousands) | ​ | 2021 |  | 2021 | ​
Mortgage loans: |  | ​ |  |  | ​ |  |
Single-family | ​ | $ | 274,970 | ​ | $ | 268,272 | ​
Multi-family | ​ |  | 489,550 | ​ |  | 484,408 | ​
Commercial real estate | ​ |  | 91,779 | ​ |  | 95,279 | ​
Construction(1) | ​ |  | 2,574 | ​ |  | 3,040 | ​
Other | ​ |  | 137 | ​ |  | 139 | ​
Commercial business loans(2) | ​ |  | 865 | ​ |  | 849 | ​
Consumer loans(3) | ​ |  | 84 | ​ |  | 95 | ​
Total loans held for investment, gross | ​ |  | 859,959 | ​ |  | 852,082 | ​
​ | ​ |  |  | ​ |  | ​ | ​
Advance payments of escrows | ​ |  | 68 | ​ |  | 157 | ​
Deferred loan costs, net | ​ |  | 6,421 | ​ |  | 6,308 | ​
Allowance for loan losses | ​ |  | (7,413) | ​ |  | (7,587) | ​
Total loans held for investment, net | ​ | $ | 859,035 | ​ | $ | 850,960 | ​
​
(1) | Net of $3.8 million and $4.5 million of undisbursed loan funds as of September 30, 2021 and June 30, 2021, respectively.
(2) | Net of $441 thousand and $460 thousand of undisbursed lines of credit as of September 30, 2021 and June 30, 2021, respectively.
(3) | Net of $415 thousand and $425 thousand of undisbursed lines of credit as of September 30, 2021 and June 30, 2021, respectively.
Schedule of loans held for investment, contractual repricing | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Adjustable Rate | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | After |  | After |  | After |  | ​ | ​ |  | ​ | ​
​ | ​ | ​ | Within | ​ | One Year | ​ | 3 Years | ​ | 5 Years | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | One Year | ​ | Through 3 Years | ​ | Through 5 Years | ​ | Through 10 Years | ​ | Fixed Rate | ​ | Total
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 56,142 | ​ | $ | 41,341 | ​ | $ | 36,261 | ​ | $ | 98,249 | ​ | $ | 42,977 | ​ | $ | 274,970
Multi-family | ​ |  | 164,115 | ​ |  | 128,288 | ​ |  | 166,307 | ​ |  | 30,632 | ​ |  | 208 | ​ |  | 489,550
Commercial real estate | ​ |  | 45,447 | ​ |  | 28,973 | ​ |  | 17,359 | ​ |  | — | ​ |  | — | ​ |  | 91,779
Construction | ​ |  | 2,247 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 327 | ​ |  | 2,574
Other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 137 | ​ |  | 137
Commercial business loans | ​ |  | 519 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 346 | ​ |  | 865
Consumer loans | ​ |  | 84 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 84
Total loans held for investment, gross | ​ | $ | 268,554 | ​ | $ | 198,602 | ​ | $ | 219,927 | ​ | $ | 128,881 | ​ | $ | 43,995 | ​ | $ | 859,959
Schedule of gross loans held for investment by loan types and risk category | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2021
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | Other | ​ | Commercial | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | Single-family |  | Multi-family |  | Real Estate |  | Construction |  | Mortgage |  | Business |  | Consumer |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 267,220 | ​ | $ | 488,440 | ​ | $ | 91,779 | ​ | $ | 2,574 | ​ | $ | 137 | ​ | $ | 865 | ​ | $ | 84 | ​ | $ | 851,099
Special Mention | ​ |  | 1,610 | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 1,610
Substandard | ​ |  | 6,140 | ​ |  | 1,110 | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 7,250
Total loans held for investment, gross | ​ | $ | 274,970 | ​ | $ | 489,550 | ​ | $ | 91,779 | ​ | $ | 2,574 | ​ | $ | 137 | ​ | $ | 865 | ​ | $ | 84 | ​ | $ | 859,959
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2021
​ |  | ​ | ​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | Other | ​ | Commercial |  | ​ | ​ |  | ​ | ​
(In Thousands) | ​ | Single-family | ​ | Multi-family | ​ | Real Estate | ​ | Construction | ​ | ​ | Mortgage | ​ | Business | ​ | Consumer | ​ | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 258,217 | ​ | $ | 483,289 | ​ | $ | 95,279 | ​ | $ | 3,040 | ​ | $ | 139 | ​ | $ | 849 | ​ | $ | 95 | ​ | $ | 840,908
Special Mention | ​ |  | 1,767 | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 1,767
Substandard | ​ |  | 8,288 | ​ |  | 1,119 | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 9,407
Total loans held for investment, gross | ​ | $ | 268,272 | ​ | $ | 484,408 | ​ | $ | 95,279 | ​ | $ | 3,040 | ​ | $ | 139 | ​ | $ | 849 | ​ | $ | 95 | ​ | $ | 852,082
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 |
​ | ​ | September 30, | ​
(Dollars in Thousands) |  | 2021 |  | 2020 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance at beginning of period | ​ | $ | 7,587 | ​ | $ | 8,265 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(Recovery) provision for loan losses | ​ |  | (339) | ​ |  | 220 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Recoveries: | ​ |  |  | ​ |  |  | ​
Mortgage loans: | ​ |  |  | ​ |  |  | ​
Single-family | ​ |  | 165 | ​ |  | 5 | ​
Total recoveries | ​ |  | 165 | ​ |  | 5 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Charge-offs: | ​ |  |  | ​ |  |  | ​
Mortgage loans: | ​ |  |  | ​ |  |  | ​
Single-family | ​ |  | — | ​ |  | — | ​
Total charge-offs | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net recoveries (charge-offs) | ​ |  | 165 | ​ |  | 5 | ​
Balance at end of period | ​ | $ | 7,413 | ​ | $ | 8,490 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period | ​ |  | 0.86 | % |  | 0.95 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) | ​ |  | (0.08) | % |  | 0.00 | %
Schedule of allowance for loan losses and recorded investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Quarter Ended September 30, 2021 |
​ | ​ | Single- | ​ | Multi- | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | family |  | family |  | Real Estate | ​ | Construction | ​ | Other |  | Business | ​ | Consumer | ​ | Total | ​
Allowance for loan losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Allowance at beginning of period | ​ | $ | 2,000 | ​ | $ | 4,485 | ​ | $ | 1,006 | ​ | $ | 51 | ​ | $ | 3 | ​ | $ | 36 | ​ | $ | 6 | ​ | $ | 7,587 | ​
(Recovery) provision for loan losses | ​ |  | (338) | ​ |  | 40 | ​ |  | (39) | ​ |  | (2) | ​ |  | — | ​ |  | 1 | ​ |  | (1) | ​ |  | (339) | ​
Recoveries | ​ |  | 165 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 165 | ​
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
Allowance for loan losses, end of period | ​ | $ | 1,827 | ​ | $ | 4,525 | ​ | $ | 967 | ​ | $ | 49 | ​ | $ | 3 | ​ | $ | 37 | ​ | $ | 5 | ​ | $ | 7,413 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Individually evaluated for impairment | ​ | $ | 260 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 260 | ​
Collectively evaluated for impairment | ​ |  | 1,567 | ​ |  | 4,525 | ​ |  | 967 | ​ |  | 49 | ​ |  | 3 | ​ |  | 37 | ​ |  | 5 | ​ |  | 7,153 | ​
Allowance for loan losses, end of period | ​ | $ | 1,827 | ​ | $ | 4,525 | ​ | $ | 967 | ​ | $ | 49 | ​ | $ | 3 | ​ | $ | 37 | ​ | $ | 5 | ​ | $ | 7,413 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans held for investment: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Individually evaluated for impairment | ​ | $ | 5,894 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 5,894 | ​
Collectively evaluated for impairment | ​ |  | 269,076 | ​ |  | 489,550 | ​ |  | 91,779 | ​ |  | 2,574 | ​ |  | 137 | ​ |  | 865 | ​ |  | 84 | ​ |  | 854,065 | ​
Total loans held for investment, gross | ​ | $ | 274,970 | ​ | $ | 489,550 | ​ | $ | 91,779 | ​ | $ | 2,574 | ​ | $ | 137 | ​ | $ | 865 | ​ | $ | 84 | ​ | $ | 859,959 | ​
Allowance for loan losses as a percentage of gross loans held for investment | ​ |  | 0.66 | % |  | 0.92 | % |  | 1.05 | % |  | 1.90 | % |  | 2.19 | % |  | 4.28 | % |  | 5.95 | % |  | 0.86 | %
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Quarter Ended September 30, 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 | ​ | $ | 2,622 | ​ | $ | 4,329 | ​ | $ | 1,110 | ​ | $ | 171 | ​ | $ | 3 | ​ | $ | 24 | ​ | $ | 6 | ​ | $ | 8,265 | ​
Provision (recovery) for loan losses | ​ |  | 44 | ​ |  | 161 | ​ |  | 52 | ​ |  | (55) | ​ |  | — | ​ |  | 18 | ​ |  | — | ​ |  | 220 | ​
Recoveries | ​ |  | 5 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 5 | ​
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
Allowance for loan losses, end of period | ​ | $ | 2,671 | ​ | $ | 4,490 | ​ | $ | 1,162 | ​ | $ | 116 | ​ | $ | 3 | ​ | $ | 42 | ​ | $ | 6 | ​ | $ | 8,490 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Individually evaluated for impairment | ​ | $ | 80 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 4 | ​ | $ | — | ​ | $ | 84 | ​
Collectively evaluated for impairment | ​ |  | 2,591 | ​ |  | 4,490 | ​ |  | 1,162 | ​ |  | 116 | ​ |  | 3 | ​ |  | 38 | ​ |  | 6 | ​ |  | 8,406 | ​
Allowance for loan losses, end of period | ​ | $ | 2,671 | ​ | $ | 4,490 | ​ | $ | 1,162 | ​ | $ | 116 | ​ | $ | 3 | ​ | $ | 42 | ​ | $ | 6 | ​ | $ | 8,490 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans held for investment: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Individually evaluated for impairment | ​ | $ | 2,957 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 31 | ​ | $ | — | ​ | $ | 2,988 | ​
Collectively evaluated for impairment | ​ |  | 285,833 | ​ |  | 482,900 | ​ |  | 105,207 | ​ |  | 8,787 | ​ |  | 142 | ​ |  | 892 | ​ |  | 100 | ​ |  | 883,861 | ​
Total loans held for investment, gross | ​ | $ | 288,790 | ​ | $ | 482,900 | ​ | $ | 105,207 | ​ | $ | 8,787 | ​ | $ | 142 | ​ | $ | 923 | ​ | $ | 100 | ​ | $ | 886,849 | ​
Allowance for loan losses as a percentage of gross loans held for investment | ​ |  | 0.92 | % |  | 0.93 | % |  | 1.10 | % |  | 1.32 | % |  | 2.11 | % |  | 4.55 | % |  | 6.00 | % |  | 0.95 | %
Schedule of recorded investment in non-performing loans | ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At September 30, 2021
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 5,437 | ​ | $ | — | ​ | $ | 5,437 | ​ | $ | (309) | ​ | $ | 5,128
Without a related allowance(2) | ​ |  | 1,020 | ​ |  | (307) | ​ |  | 713 | ​ |  | — | ​ |  | 713
Total single-family loans | ​ |  | 6,457 | ​ |  | (307) | ​ |  | 6,150 | ​ |  | (309) | ​ |  | 5,841
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multi-family: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
With a related allowance | ​ |  | 1,111 | ​ |  | — | ​ |  | 1,111 | ​ |  | (336) | ​ |  | 775
Total multi-family loans | ​ |  | 1,111 | ​ |  | — | ​ |  | 1,111 | ​ |  | (336) | ​ |  | 775
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 7,568 | ​ | $ | (307) | ​ | $ | 7,261 | ​ | $ | (645) | ​ | $ | 6,616
​
(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, 2021
​ | ​ | Unpaid | ​ | Related | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Charge-offs | ​ | Recorded | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Related |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 7,400 | ​ | $ | — | ​ | $ | 7,400 | ​ | $ | (434) | ​ | $ | 6,966
Without a related allowance(2) | ​ |  | 1,335 | ​ |  | (436) | ​ |  | 899 | ​ |  | — | ​ |  | 899
Total single-family loans | ​ |  | 8,735 | ​ |  | (436) | ​ |  | 8,299 | ​ |  | (434) | ​ |  | 7,865
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multi-family: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
With a related allowance | ​ |  | 1,119 | ​ |  | — | ​ |  | 1,119 | ​ |  | (338) | ​ |  | 781
Total multi-family loans | ​ |  | 1,119 | ​ |  | — | ​ |  | 1,119 | ​ |  | (338) | ​ |  | 781
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 9,854 | ​ | $ | (436) | ​ | $ | 9,418 | ​ | $ | (772) | ​ | $ | 8,646
​
(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 loan forbearance related to COVID-19 hardship requests | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Forbearance Granted | ​ | Forbearance Completed(1) | ​ | Forbearance Remaining
​ |  | Number of |  | ​ |  | Number of |  | ​ |  | Number of |  | ​
(Dollars In Thousands) | ​ | Loans | ​ | Amount | ​ | Loans | ​ | Amount | ​ | Loans | ​ | Amount
Single-family loans |  | 59 | ​ | $ | 23,471 |  | 58 | ​ | $ | 23,163 |  | 1 | ​ | $ | 308
Multi-family loans |  | 5 | ​ |  | 2,308 |  | 5 | ​ |  | 2,308 |  | — | ​ |  | —
Commercial real estate loans |  | 3 | ​ |  | 1,990 |  | 3 | ​ |  | 1,990 |  | — | ​ |  | —
Total loan forbearance |  | 67 | ​ | $ | 27,769 |  | 66 | ​ | $ | 27,461 |  | 1 | ​ | $ | 308
​ (1) Includes 19 single-family loans totaling $7.1 million which were subsequently extended and classified as restructured non-performing loans, consistent with the Interagency Statement. ​ As of September 30, 2021, certain characteristics of loans in forbearance are described below: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ |  | ​ |  | Weighted |  | Weighted Avg.
​ | ​ | ​ | ​ | ​ | ​ | ​ | % of | ​ | ​ | ​ | Weighted | ​ | Avg. Debt | ​ | Forbearance
​ | ​ | Number | ​ | ​ | ​ | ​ | Total | ​ | Weighted | ​ | Avg. | ​ | Coverage | ​ | Period
(Dollars In Thousands) | ​ | of Loans | ​ | Amount | ​ | Loans | ​ | Avg. LTV(1) | ​ | FICO(2) | ​ | Ratio(3) | ​ | Granted(4)
Single-family loans |  | 1 | ​ | $ | 308 |  | 0.04 | % | 78 | % | 653 |  | N/A |  | 12.0
Total loans in forbearance |  | 1 | ​ | $ | 308 |  | 0.04 | % | 78 | % | 653 |  | N/A |  | 12.0
​
(1) | Current loan balance in comparison to the original appraised value.
(2) | At time of loan origination, borrowers and/or guarantors.
(3) | At time of loan origination.
(4) | In months.
Schedule of past due status of gross loans held for investment, net of fair value adjustments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2021
​ | ​ | ​ | ​ | ​ | 30-89 Days Past | ​ | ​ | ​ | ​ | Total Loans Held for
(In Thousands) |  | Current |  | Due |  | Non-Accrual(1) |  | Investment, Gross
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 268,811 | ​ | $ | 19 | ​ | $ | 6,140 | ​ | $ | 274,970
Multi-family | ​ |  | 488,440 | ​ |  | — | ​ |  | 1,110 | ​ |  | 489,550
Commercial real estate | ​ |  | 91,779 | ​ |  | — | ​ |  | — | ​ |  | 91,779
Construction | ​ |  | 2,574 | ​ |  | — | ​ |  | — | ​ |  | 2,574
Other | ​ |  | 137 | ​ |  | — | ​ |  | — | ​ |  | 137
Commercial business loans | ​ |  | 865 | ​ |  | — | ​ |  | — | ​ |  | 865
Consumer loans | ​ |  | 83 | ​ |  | 1 | ​ |  | — | ​ |  | 84
Total loans held for investment, gross | ​ | $ | 852,689 | ​ | $ | 20 | ​ | $ | 7,250 | ​ | $ | 859,959
​
(1) | All loans 90 days or greater past due are placed on non-accrual status.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2021
​ |  | ​ | ​ |  | 30-89 Days Past |  | ​ | ​ |  | Total Loans Held for
(In Thousands) | ​ | Current | ​ | Due | ​ | Non-Accrual(1) | ​ | Investment, Gross
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 259,984 | ​ | $ | — | ​ | $ | 8,288 | ​ | $ | 268,272
Multi-family | ​ |  | 483,289 | ​ |  | — | ​ |  | 1,119 | ​ |  | 484,408
Commercial real estate | ​ |  | 95,279 | ​ |  | — | ​ |  | — | ​ |  | 95,279
Construction | ​ |  | 3,040 | ​ |  | — | ​ |  | — | ​ |  | 3,040
Other | ​ | ​ | 139 | ​ |  | — | ​ |  | — | ​ |  | 139
Commercial business loans | ​ |  | 849 | ​ |  | — | ​ |  | — | ​ |  | 849
Consumer loans | ​ |  | 88 | ​ |  | 7 | ​ |  | — | ​ |  | 95
Total loans held for investment, gross | ​ | $ | 842,668 | ​ | $ | 7 | ​ | $ | 9,407 | ​ | $ | 852,082
​
(1) | All loans 90 days or greater past due are placed on non-accrual status.
Schedule of Nonperforming Loans on Interest Income | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Quarter Ended September 30,
​ | ​ | 2021 | ​ | 2020
​ | ​ | ​ | Average | ​ | Interest | ​ | Average | ​ | Interest
​ | ​ | ​ | Recorded | ​ | Income | ​ | Recorded | ​ | Income
(In Thousands) |  | ​ | Investment |  | Recognized |  | Investment |  | Recognized
Without related allowances: |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 817 | ​ | $ | 140 | ​ | $ | 1,883 |  | $ | —
​ |  |  | 817 | ​ |  | 140 | ​ |  | 1,883 |  |  | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With related allowances: |  |  | ​ | ​ |  | ​ | ​ |  | ​ |  |  | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ |  | 5,827 | ​ |  | 47 | ​ |  | 3,510 |  |  | 40
Multi-family | ​ |  | 1,114 | ​ |  | 15 | ​ |  | — |  |  | —
Commercial business loans | ​ |  | — | ​ |  | — | ​ |  | 32 |  |  | 1
​ |  |  | 6,941 | ​ |  | 62 | ​ |  | 3,542 |  |  | 41
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 7,758 | ​ | $ | 202 | ​ | $ | 5,425 |  | $ | 41
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Schedule of troubled debt restructurings by nonaccrual versus accrual status | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | At | ​ | At |
(In Thousands) | ​ | September 30, 2021 | ​ | June 30, 2021 | ​
Restructured loans on non-accrual status: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |
Single-family | ​ | $ | 5,102 | ​ | $ | 6,983 | ​
Total | ​ |  | 5,102 | ​ |  | 6,983 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Restructured loans on accrual status: | ​ |  |  | ​ |  | ​ | ​
Mortgage loans: | ​ |  |  | ​ |  | ​ | ​
Single-family | ​ |  | 2,773 | ​ |  | 876 | ​
Total | ​ |  | 2,773 | ​ |  | 876 | ​
Total restructured loans | ​ | $ | 7,875 | ​ | $ | 7,859 | ​
Schedule of recorded investment in restructured loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At September 30, 2021
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With a related allowance | ​ | $ | 5,191 | ​ | $ | — | ​ | $ | 5,191 | ​ | $ | (260) | ​ | $ | 4,931
Without a related allowance(2) | ​ |  | 3,199 | ​ |  | (255) | ​ |  | 2,944 | ​ |  | — | ​ |  | 2,944
Total single-family | ​ |  | 8,390 | ​ |  | (255) | ​ |  | 8,135 | ​ |  | (260) | ​ |  | 7,875
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total restructured loans | ​ | $ | 8,390 | ​ | $ | (255) | ​ | $ | 8,135 | ​ | $ | (260) | ​ | $ | 7,875
​
(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, 2021
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 7,151 | ​ | $ | — | ​ | $ | 7,151 | ​ | $ | (384) | ​ | $ | 6,767
Without a related allowance(2) | ​ |  | 1,457 | ​ |  | (365) | ​ |  | 1,092 | ​ |  | — | ​ |  | 1,092
Total single-family | ​ |  | 8,608 | ​ |  | (365) | ​ |  | 8,243 | ​ |  | (384) | ​ |  | 7,859
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total restructured loans | ​ | $ | 8,608 | ​ | $ | (365) | ​ | $ | 8,243 | ​ | $ | (384) | ​ | $ | 7,859
​
(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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