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Loans Held for Investment (Tables) | 3 Months Ended
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Sep. 30, 2022
Loans Held for Investment |
Schedule of loans held for investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, | ​ | June 30, | ​
(In Thousands) | ​ | 2022 |  | 2022 | ​
Mortgage loans: |  | ​ |  |  | ​ |  |
Single-family | ​ | $ | 429,575 | ​ | $ | 378,234 | ​
Multi-family | ​ |  | 468,031 | ​ |  | 464,676 | ​
Commercial real estate | ​ |  | 89,339 | ​ |  | 90,429 | ​
Construction | ​ |  | 3,151 | ​ |  | 3,216 | ​
Other | ​ |  | 118 | ​ |  | 123 | ​
Commercial business loans | ​ |  | 1,117 | ​ |  | 1,206 | ​
Consumer loans | ​ |  | 70 | ​ |  | 86 | ​
Total loans held for investment, gross | ​ |  | 991,401 | ​ |  | 937,970 | ​
​ | ​ |  |  | ​ |  | ​ | ​
Advance payments of escrows | ​ |  | 20 | ​ |  | 47 | ​
Deferred loan costs, net | ​ |  | 8,159 | ​ |  | 7,539 | ​
Allowance for loan losses | ​ |  | (5,638) | ​ |  | (5,564) | ​
Total loans held for investment, net | ​ | $ | 993,942 | ​ | $ | 939,992 | ​
​
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 | ​ | $ | 51,772 | ​ | $ | 22,388 | ​ | $ | 37,305 | ​ | $ | 211,503 | ​ | $ | 106,607 | ​ | $ | 429,575
Multi-family | ​ |  | 134,344 | ​ |  | 132,184 | ​ |  | 146,691 | ​ |  | 54,651 | ​ |  | 161 | ​ |  | 468,031
Commercial real estate | ​ |  | 44,631 | ​ |  | 20,582 | ​ |  | 22,803 | ​ |  | — | ​ |  | 1,323 | ​ |  | 89,339
Construction | ​ |  | 1,803 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 1,348 | ​ |  | 3,151
Other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 118 | ​ |  | 118
Commercial business loans | ​ |  | 1,049 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 68 | ​ |  | 1,117
Consumer loans | ​ |  | 70 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 70
Total loans held for investment, gross | ​ | $ | 233,669 | ​ | $ | 175,154 | ​ | $ | 206,799 | ​ | $ | 266,154 | ​ | $ | 109,625 | ​ | $ | 991,401
Schedule of gross loans held for investment by loan types and risk category | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | Other | ​ | Commercial | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | Single-family |  | Multi-family |  | Real Estate |  | Construction |  | Mortgage |  | Business |  | Consumer |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 428,527 | ​ | $ | 468,031 | ​ | $ | 89,339 | ​ | $ | 3,151 | ​ | $ | 118 | ​ | $ | 1,117 | ​ | $ | 70 | ​ | $ | 990,353
Special Mention | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | —
Substandard | ​ |  | 1,048 | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 1,048
Total loans held for investment, gross | ​ | $ | 429,575 | ​ | $ | 468,031 | ​ | $ | 89,339 | ​ | $ | 3,151 | ​ | $ | 118 | ​ | $ | 1,117 | ​ | $ | 70 | ​ | $ | 991,401
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2022
​ |  | ​ | ​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | Other | ​ | Commercial |  | ​ | ​ |  | ​ | ​
(In Thousands) | ​ | Single-family | ​ | Multi-family | ​ | Real Estate | ​ | Construction | ​ | ​ | Mortgage | ​ | Business | ​ | Consumer | ​ | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 376,502 | ​ | $ | 464,676 | ​ | $ | 90,429 | ​ | $ | 3,216 | ​ | $ | 123 | ​ | $ | 1,206 | ​ | $ | 86 | ​ | $ | 936,238
Special Mention | ​ |  | 224 | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 224
Substandard | ​ |  | 1,508 | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 1,508
Total loans held for investment, gross | ​ | $ | 378,234 | ​ | $ | 464,676 | ​ | $ | 90,429 | ​ | $ | 3,216 | ​ | $ | 123 | ​ | $ | 1,206 | ​ | $ | 86 | ​ | $ | 937,970
Schedule of allowance for loan losses and recorded investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Quarter Ended September 30, 2022 |
​ | ​ | Single- | ​ | Multi- | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | family |  | family |  | Real Estate | ​ | Construction | ​ | Other |  | Business | ​ | Consumer | ​ | Total | ​
Allowance for loan losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Allowance at beginning of period | ​ | $ | 1,383 | ​ | $ | 3,282 | ​ | $ | 816 | ​ | $ | 23 | ​ | $ | 3 | ​ | $ | 52 | ​ | $ | 5 | ​ | $ | 5,564 | ​
Provision (recovery) for loan losses | ​ |  | 63 | ​ |  | 23 | ​ |  | (10) | ​ |  | (1) | ​ |  | — | ​ |  | (4) | ​ |  | (1) | ​ |  | 70 | ​
Recoveries | ​ |  | 4 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 4 | ​
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
Allowance for loan losses, end of period | ​ | $ | 1,450 | ​ | $ | 3,305 | ​ | $ | 806 | ​ | $ | 22 | ​ | $ | 3 | ​ | $ | 48 | ​ | $ | 4 | ​ | $ | 5,638 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Individually evaluated for impairment | ​ | $ | 38 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 38 | ​
Collectively evaluated for impairment | ​ |  | 1,412 | ​ |  | 3,305 | ​ |  | 806 | ​ |  | 22 | ​ |  | 3 | ​ |  | 48 | ​ |  | 4 | ​ |  | 5,600 | ​
Allowance for loan losses, end of period | ​ | $ | 1,450 | ​ | $ | 3,305 | ​ | $ | 806 | ​ | $ | 22 | ​ | $ | 3 | ​ | $ | 48 | ​ | $ | 4 | ​ | $ | 5,638 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans held for investment: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Individually evaluated for impairment | ​ | $ | 819 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 819 | ​
Collectively evaluated for impairment | ​ |  | 428,756 | ​ |  | 468,031 | ​ |  | 89,339 | ​ |  | 3,151 | ​ |  | 118 | ​ |  | 1,117 | ​ |  | 70 | ​ |  | 990,582 | ​
Total loans held for investment, gross | ​ | $ | 429,575 | ​ | $ | 468,031 | ​ | $ | 89,339 | ​ | $ | 3,151 | ​ | $ | 118 | ​ | $ | 1,117 | ​ | $ | 70 | ​ | $ | 991,401 | ​
Allowance for loan losses as a percentage of gross loans held for investment | ​ |  | 0.34 | % |  | 0.71 | % |  | 0.90 | % |  | 0.70 | % |  | 2.54 | % |  | 4.30 | % |  | 5.71 | % |  | 0.57 | %
Net (recoveries) charge-offs to average loans receivable, net during the period | ​ | ​ | (0.00) | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | (0.00) | %
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 | %
Net (recoveries) charge-offs to average loans receivable, net during the period | ​ | ​ | (0.25) | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | — | % | ​ | (0.08) | %
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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) |  | 2022 |  | 2021 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance at beginning of period | ​ | $ | 5,564 | ​ | $ | 7,587 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Provision (recovery) for loan losses | ​ |  | 70 | ​ |  | (339) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Recoveries: | ​ |  |  | ​ |  |  | ​
Mortgage loans: | ​ |  |  | ​ |  |  | ​
Single-family | ​ |  | 4 | ​ |  | 165 | ​
Total recoveries | ​ |  | 4 | ​ |  | 165 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Charge-offs: | ​ |  |  | ​ |  |  | ​
Consumer loans | ​ |  | — | ​ |  | — | ​
Total charge-offs | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net recoveries (charge-offs) | ​ |  | 4 | ​ |  | 165 | ​
Balance at end of period | ​ | $ | 5,638 | ​ | $ | 7,413 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period | ​ |  | 0.57 | % |  | 0.86 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) | ​ |  | (0.00) | % |  | (0.08) | %
Allowance for loan losses as a percentage of gross non-performing loans at the end of the period | ​ | ​ | 537.98 | % | ​ | 102.11 | %
Schedule of recorded investment in non-performing loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At September 30, 2022
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 988 | ​ | $ | — | ​ | $ | 988 | ​ | $ | (84) | ​ | $ | 904
Without a related allowance(2) | ​ |  | 89 | ​ |  | (29) | ​ |  | 60 | ​ |  | — | ​ |  | 60
Total single-family loans | ​ |  | 1,077 | ​ |  | (29) | ​ |  | 1,048 | ​ |  | (84) | ​ |  | 964
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 1,077 | ​ | $ | (29) | ​ | $ | 1,048 | ​ | $ | (84) | ​ | $ | 964
​
(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, 2022
​ | ​ | Unpaid | ​ | Related | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Charge-offs | ​ | Recorded | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Related |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 993 | ​ | $ | — | ​ | $ | 993 | ​ | $ | (85) | ​ | $ | 908
Without a related allowance(2) | ​ |  | 548 | ​ |  | (33) | ​ |  | 515 | ​ |  | — | ​ |  | 515
Total single-family loans | ​ |  | 1,541 | ​ |  | (33) | ​ |  | 1,508 | ​ |  | (85) | ​ |  | 1,423
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 1,541 | ​ | $ | (33) | ​ | $ | 1,508 | ​ | $ | (85) | ​ | $ | 1,423
​
(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 past due status of gross loans held for investment, net of fair value adjustments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2022
​ | ​ | ​ | ​ | ​ | 30-89 Days Past | ​ | ​ | ​ | ​ | Total Loans Held for
(In Thousands) |  | Current |  | Due |  | Non-Accrual(1) |  | Investment, Gross
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 428,527 | ​ | $ | — | ​ | $ | 1,048 | ​ | $ | 429,575
Multi-family | ​ |  | 468,031 | ​ |  | — | ​ |  | — | ​ |  | 468,031
Commercial real estate | ​ |  | 89,339 | ​ |  | — | ​ |  | — | ​ |  | 89,339
Construction | ​ |  | 3,151 | ​ |  | — | ​ |  | — | ​ |  | 3,151
Other | ​ |  | 118 | ​ |  | — | ​ |  | — | ​ |  | 118
Commercial business loans | ​ |  | 1,117 | ​ |  | — | ​ |  | — | ​ |  | 1,117
Consumer loans | ​ |  | 69 | ​ |  | 1 | ​ |  | — | ​ |  | 70
Total loans held for investment, gross | ​ | $ | 990,352 | ​ | $ | 1 | ​ | $ | 1,048 | ​ | $ | 991,401
​
(1) | All loans 90 days or greater past due are placed on non-accrual status.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2022
​ |  | ​ | ​ |  | 30-89 Days Past |  | ​ | ​ |  | Total Loans Held for
(In Thousands) | ​ | Current | ​ | Due | ​ | Non-Accrual(1) | ​ | Investment, Gross
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 376,726 | ​ | $ | — | ​ | $ | 1,508 | ​ | $ | 378,234
Multi-family | ​ |  | 464,676 | ​ |  | — | ​ |  | — | ​ |  | 464,676
Commercial real estate | ​ |  | 90,429 | ​ |  | — | ​ |  | — | ​ |  | 90,429
Construction | ​ |  | 3,216 | ​ |  | — | ​ |  | — | ​ |  | 3,216
Other | ​ | ​ | 123 | ​ |  | — | ​ |  | — | ​ |  | 123
Commercial business loans | ​ |  | 1,206 | ​ |  | — | ​ |  | — | ​ |  | 1,206
Consumer loans | ​ |  | 83 | ​ |  | 3 | ​ |  | — | ​ |  | 86
Total loans held for investment, gross | ​ | $ | 936,459 | ​ | $ | 3 | ​ | $ | 1,508 | ​ | $ | 937,970
​
(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 | ​ | At |
(In Thousands) | ​ | September 30, 2022 | ​ | June 30, 2022 | ​
Restructured loans on non-accrual status: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |
Single-family | ​ | $ | 721 | ​ | $ | 722 | ​
Total | ​ |  | 721 | ​ |  | 722 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Restructured loans on accrual status: | ​ |  |  | ​ |  | ​ | ​
Mortgage loans: | ​ |  |  | ​ |  | ​ | ​
Single-family | ​ |  | 1,906 | ​ |  | 3,748 | ​
Total | ​ |  | 1,906 | ​ |  | 3,748 | ​
Total restructured loans | ​ | $ | 2,627 | ​ | $ | 4,470 | ​
Schedule of recorded investment in restructured loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At September 30, 2022
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With a related allowance | ​ | $ | 759 | ​ | $ | — | ​ | $ | 759 | ​ | $ | (38) | ​ | $ | 721
Without a related allowance(2) | ​ |  | 1,906 | ​ |  | — | ​ |  | 1,906 | ​ |  | — | ​ |  | 1,906
Total single-family | ​ |  | 2,665 | ​ |  | — | ​ |  | 2,665 | ​ |  | (38) | ​ |  | 2,627
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total restructured loans | ​ | $ | 2,665 | ​ | $ | — | ​ | $ | 2,665 | ​ | $ | (38) | ​ | $ | 2,627
​
(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, 2022
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 760 | ​ | $ | — | ​ | $ | 760 | ​ | $ | (38) | ​ | $ | 722
Without a related allowance(2) | ​ |  | 3,748 | ​ |  | — | ​ |  | 3,748 | ​ |  | — | ​ |  | 3,748
Total single-family | ​ |  | 4,508 | ​ |  | — | ​ |  | 4,508 | ​ |  | (38) | ​ |  | 4,470
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total restructured loans | ​ | $ | 4,508 | ​ | $ | — | ​ | $ | 4,508 | ​ | $ | (38) | ​ | $ | 4,470
​
(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 Nonperforming Loans on Interest Income | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Quarter Ended September 30,
​ | ​ | 2022 | ​ | 2021
​ | ​ | ​ | Average | ​ | Interest | ​ | Average | ​ | Interest
​ | ​ | ​ | Recorded | ​ | Income | ​ | Recorded | ​ | Income
(In Thousands) |  | ​ | Investment |  | Recognized |  | Investment |  | Recognized
Without related allowances: |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 127 | ​ | $ | — | ​ | $ | 817 |  | $ | 140
​ |  |  | 127 | ​ |  | — | ​ |  | 817 |  |  | 140
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With related allowances: |  |  | ​ | ​ |  | ​ | ​ |  | ​ |  |  | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ |  | 991 | ​ |  | 5 | ​ |  | 5,827 |  |  | 47
Multi-family | ​ |  | — | ​ |  | — | ​ |  | 1,114 |  |  | 15
​ |  |  | 991 | ​ |  | 5 | ​ |  | 6,941 |  |  | 62
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 1,118 | ​ | $ | 5 | ​ | $ | 7,758 |  | $ | 202
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​

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