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Loans Held for Investment (Tables) | 12 Months Ended
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Jun. 30, 2023
Loans Held for Investment |
Schedule of loans held for investment | ​ Loans held for investment consisted of the following at June 30, 2023 and 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | June 30, 2023 |  | June 30, 2022
Mortgage loans: |  | ​ |  |  | ​ |
Single-family | ​ | $ | 518,821 | ​ | $ | 378,234
Multi-family | ​ |  | 461,113 | ​ |  | 464,676
Commercial real estate | ​ |  | 90,558 | ​ |  | 90,429
Construction | ​ |  | 1,936 | ​ |  | 3,216
Other | ​ |  | 106 | ​ |  | 123
Commercial business loans | ​ |  | 1,565 | ​ |  | 1,206
Consumer loans | ​ |  | 65 | ​ |  | 86
Total loans held for investment, gross | ​ |  | 1,074,164 | ​ |  | 937,970
​ | ​ |  |  | ​ |  |
Advance payments of escrows | ​ |  | 148 | ​ |  | 47
Deferred loan costs, net | ​ |  | 9,263 | ​ |  | 7,539
Allowance for loan losses | ​ |  | (5,946) | ​ |  | (5,564)
Total loans held for investment, net | ​ | $ | 1,077,629 | ​ | $ | 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 | ​ | $ | 56,859 | ​ | $ | 22,936 | ​ | $ | 68,980 | ​ | $ | 258,085 | ​ | $ | 111,961 | ​ | $ | 518,821
Multi-family | ​ |  | 152,929 | ​ |  | 147,344 | ​ |  | 118,761 | ​ |  | 41,950 | ​ |  | 129 | ​ |  | 461,113
Commercial real estate | ​ |  | 39,071 | ​ |  | 15,069 | ​ |  | 35,135 | ​ |  | — | ​ |  | 1,283 | ​ |  | 90,558
Construction | ​ |  | 1,440 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 496 | ​ |  | 1,936
Other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 106 | ​ |  | 106
Commercial business loans | ​ |  | 1,565 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 1,565
Consumer loans | ​ |  | 65 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 65
Total loans held for investment, gross | ​ | $ | 251,929 | ​ | $ | 185,349 | ​ | $ | 222,876 | ​ | $ | 300,035 | ​ | $ | 113,975 | ​ | $ | 1,074,164
Schedule of gross loans held for investment by loan types and risk category | The following tables summarize gross loans held for investment by loan types and risk category at the dates indicated: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | Other | ​ | Commercial | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | Single-family |  | Multi-family |  | Real Estate |  | Construction |  | Mortgage |  | Business |  | Consumer |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 517,399 | ​ | $ | 460,603 | ​ | $ | 90,011 | ​ | $ | 1,936 | ​ | $ | 106 | ​ | $ | 1,565 | ​ | $ | 65 | ​ | $ | 1,071,685
Special Mention | ​ |  | — | ​ |  | 510 | ​ |  | — | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 510
Substandard | ​ |  | 1,422 | ​ |  | — | ​ |  | 547 | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ |  | 1,969
Total loans held for investment, gross | ​ | $ | 518,821 | ​ | $ | 461,113 | ​ | $ | 90,558 | ​ | $ | 1,936 | ​ | $ | 106 | ​ | $ | 1,565 | ​ | $ | 65 | ​ | $ | 1,074,164
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | The following summarizes the components of the net change in the allowance for loan losses for the years indicated: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended June 30,
(In Thousands) |  | 2023 |  | 2022
​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning of year | ​ | $ | 5,564 | ​ | $ | 7,587
Provision (recovery) for loan losses | ​ |  | 374 | ​ |  | (2,462)
Recoveries | ​ |  | 8 | ​ |  | 439
Charge-offs | ​ |  | — | ​ |  | —
Balance, end of year | ​ | $ | 5,946 | ​ | $ | 5,564
​
Schedule of past due status of gross loans held for investment, net of fair value adjustments | The following tables provide information on the past due status of the Corporation’s loans held for investment, gross, at the dates indicated.
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2023
​ | ​ | ​ | ​ | ​ | 30-89 Days Past | ​ | ​ | ​ | ​ | Total Loans Held for
(In Thousands) |  | Current |  | Due |  | Non-Accrual(1) |  | Investment, Gross
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family | ​ | $ | 517,399 | ​ | $ | — | ​ | $ | 1,422 | ​ | $ | 518,821
Multi-family | ​ |  | 461,113 | ​ |  | — | ​ |  | — | ​ |  | 461,113
Commercial real estate | ​ |  | 90,558 | ​ |  | — | ​ |  | — | ​ |  | 90,558
Construction | ​ |  | 1,936 | ​ |  | — | ​ |  | — | ​ |  | 1,936
Other | ​ |  | 106 | ​ |  | — | ​ |  | — | ​ |  | 106
Commercial business loans | ​ |  | 1,565 | ​ |  | — | ​ |  | — | ​ |  | 1,565
Consumer loans | ​ |  | 64 | ​ |  | 1 | ​ |  | — | ​ |  | 65
Total loans held for investment, gross | ​ | $ | 1,072,741 | ​ | $ | 1 | ​ | $ | 1,422 | ​ | $ | 1,074,164
​
(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 allowance for loan losses and recorded investment | The following tables summarize the Corporation’s allowance for loan losses and recorded investment in gross loans, by portfolio type, at the dates and for the years indicated. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended June 30, 2023 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | Single-family |  | Multi-family |  | Real Estate |  | Construction |  | Other Mortgage |  | Business |  | Consumer |  | Total |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
Allowance at beginning of period | ​ | $ | 1,383 | ​ | $ | 3,282 | ​ | $ | 816 | ​ | $ | 23 | ​ | $ | 3 | ​ | $ | 52 | ​ | $ | 5 | ​ | $ | 5,564 | ​
Provision (recovery) for loan losses | ​ |  | 329 | ​ |  | (12) | ​ |  | 52 | ​ |  | (8) | ​ |  | (1) | ​ |  | 15 | ​ |  | (1) | ​ |  | 374 | ​
Recoveries | ​ |  | 8 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 8 | ​
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
Allowance for loan losses, end of period | ​ | $ | 1,720 | ​ | $ | 3,270 | ​ | $ | 868 | ​ | $ | 15 | ​ | $ | 2 | ​ | $ | 67 | ​ | $ | 4 | ​ | $ | 5,946 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for allowances | ​ | $ | 37 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 37 | ​
Collectively evaluated for allowances | ​ |  | 1,683 | ​ |  | 3,270 | ​ |  | 868 | ​ |  | 15 | ​ |  | 2 | ​ |  | 67 | ​ |  | 4 | ​ |  | 5,909 | ​
Allowance for loan losses, end of period | ​ | $ | 1,720 | ​ | $ | 3,270 | ​ | $ | 868 | ​ | $ | 15 | ​ | $ | 2 | ​ | $ | 67 | ​ | $ | 4 | ​ | $ | 5,946 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Gross Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for allowances | ​ | $ | 996 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 996 | ​
Collectively evaluated for allowances | ​ |  | 517,825 | ​ |  | 461,113 | ​ |  | 90,558 | ​ |  | 1,936 | ​ |  | 106 | ​ |  | 1,565 | ​ |  | 65 | ​ |  | 1,073,168 | ​
Total loans held for investment, gross | ​ | $ | 518,821 | ​ | $ | 461,113 | ​ | $ | 90,558 | ​ | $ | 1,936 | ​ | $ | 106 | ​ | $ | 1,565 | ​ | $ | 65 | ​ | $ | 1,074,164 | ​
Allowance for loan losses as a percentage of gross loans held for investment | ​ |  | 0.33 | % |  | 0.71 | % |  | 0.96 | % |  | 0.77 | % |  | 1.89 | % |  | 4.28 | % |  | 6.15 | % |  | 0.55 | %
Net (recoveries) charge-offs to average loans receivable, net during the period | ​ |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended June 30, 2022 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) |  | Single-family |  | Multi-family |  | Real Estate |  | Construction |  | Other Mortgage |  | Business |  | Consumer |  | Total |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
Allowance at beginning of period | ​ | $ | 2,000 | ​ | $ | 4,485 | ​ | $ | 1,006 | ​ | $ | 51 | ​ | $ | 3 | ​ | $ | 36 | ​ | $ | 6 | ​ | $ | 7,587 | ​
(Recovery) provision for loan losses | ​ |  | (1,056) | ​ |  | (1,203) | ​ |  | (190) | ​ |  | (28) | ​ |  | — | ​ |  | 16 | ​ |  | (1) | ​ |  | (2,462) | ​
Recoveries | ​ |  | 439 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 439 | ​
Charge-offs | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
Allowance for loan losses, end of period | ​ | $ | 1,383 | ​ | $ | 3,282 | ​ | $ | 816 | ​ | $ | 23 | ​ | $ | 3 | ​ | $ | 52 | ​ | $ | 5 | ​ | $ | 5,564 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for allowances | ​ | $ | 38 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 38 | ​
Collectively evaluated for allowances | ​ |  | 1,345 | ​ |  | 3,282 | ​ |  | 816 | ​ |  | 23 | ​ |  | 3 | ​ |  | 52 | ​ |  | 5 | ​ |  | 5,526 | ​
Allowance for loan losses, end of period | ​ | $ | 1,383 | ​ | $ | 3,282 | ​ | $ | 816 | ​ | $ | 23 | ​ | $ | 3 | ​ | $ | 52 | ​ | $ | 5 | ​ | $ | 5,564 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Gross Loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for allowances | ​ | $ | 1,275 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 1,275 | ​
Collectively evaluated for allowances | ​ |  | 376,959 | ​ |  | 464,676 | ​ |  | 90,429 | ​ |  | 3,216 | ​ |  | 123 | ​ |  | 1,206 | ​ |  | 86 | ​ |  | 936,695 | ​
Total loans held for investment, gross | ​ | $ | 378,234 | ​ | $ | 464,676 | ​ | $ | 90,429 | ​ | $ | 3,216 | ​ | $ | 123 | ​ | $ | 1,206 | ​ | $ | 86 | ​ | $ | 937,970 | ​
Allowance for loan losses as a percentage of gross loans held for investment | ​ |  | 0.37 | % |  | 0.71 | % |  | 0.90 | % |  | 0.72 | % |  | 2.44 | % |  | 4.31 | % |  | 5.81 | % |  | 0.59 | %
Net (recoveries) charge-offs to average loans receivable, net during the period | ​ |  | (0.15) | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | (0.05) | %
​
Schedule of recorded investment in non-performing loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At or For the Year Ended June 30, 2023
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net | ​ | Average | ​ | Interest
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | Recorded | ​ | Recorded | ​ | Income
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment |  | Investment |  | Recognized
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 1,171 | ​ | $ | — | ​ | $ | 1,171 | ​ | $ | (122) | ​ | $ | 1,049 | ​ | $ | 996 | ​ | $ | 42
Without a related allowance(2) | ​ |  | 276 | ​ |  | (25) | ​ |  | 251 | ​ |  | — | ​ |  | 251 | ​ |  | 112 | ​ |  | —
Total single-family loans | ​ |  | 1,447 | ​ |  | (25) | ​ |  | 1,422 | ​ |  | (122) | ​ |  | 1,300 | ​ |  | 1,108 | ​ |  | 42
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 1,447 | ​ | $ | (25) | ​ | $ | 1,422 | ​ | $ | (122) | ​ | $ | 1,300 | ​ | $ | 1,108 | ​ | $ | 42
​
(1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
(2) | There was no related allowance for loan losses because these loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At or For the Year Ended June 30, 2022
​ | ​ | Unpaid | ​ | Related | ​ | ​ | ​ | ​ | ​ | Net | ​ | Average | ​ | Interest
​ | ​ | Principal | ​ | Charge-offs | ​ | Recorded | ​ | ​ | ​ | Recorded | ​ | Recorded | ​ | Income
(In Thousands) |  | Balance |  | Related |  | Investment |  | Allowance(1) |  | Investment |  | Investment |  | Recognized
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Single-family: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
With a related allowance | ​ | $ | 993 | ​ | $ | — | ​ | $ | 993 | ​ | $ | (85) | ​ | $ | 908 | ​ | $ | 2,594 | ​ | $ | 98
Without a related allowance(2) | ​ |  | 548 | ​ |  | (33) | ​ |  | 515 | ​ |  | — | ​ |  | 515 | ​ |  | 635 | ​ |  | 232
Total single-family loans | ​ |  | 1,541 | ​ |  | (33) | ​ |  | 1,508 | ​ |  | (85) | ​ |  | 1,423 | ​ |  | 3,229 | ​ |  | 330
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multi-family: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With a related allowance | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 957 | ​ |  | 46
Total multi-family loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 957 | ​ |  | 46
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total non-performing loans | ​ | $ | 1,541 | ​ | $ | (33) | ​ | $ | 1,508 | ​ | $ | (85) | ​ | $ | 1,423 | ​ | $ | 4,186 | ​ | $ | 376
(1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
(2) | There was no related allowance for loan losses because these loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of troubled debt restructurings by nonaccrual versus accrual status | The following table summarizes at the dates indicated the restructured loan balances, net of allowance for loan losses or charge-offs, by loan type and non-accrual versus accrual status at June 30, 2023 and 2022 : ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | At June 30,
(In Thousands) | ​ | 2023 | ​ | 2022
Restructured loans on non-accrual status: | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: |  | ​ |  |  | ​ |
Single-family | ​ | $ | 708 | ​ | $ | 722
Total | ​ |  | 708 | ​ |  | 722
​ | ​ | ​ | ​ | ​ | ​ | ​
Restructured loans on accrual status: | ​ |  |  | ​ |  |
Mortgage loans: | ​ |  |  | ​ |  |
Single-family | ​ |  | — | ​ |  | 3,748
Total | ​ |  | — | ​ |  | 3,748
Total restructured loans | ​ | $ | 708 | ​ | $ | 4,470
​
Schedule of recorded investment in restructured loans | The following tables show the restructured loans by type, net of allowance for loan losses or charge-offs, at June 30, 2023 and 2022:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At June 30, 2023
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Net
​ | ​ | Principal | ​ | Related | ​ | Recorded | ​ | ​ | ​ | ​ | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance(1) |  | Investment
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Single-family: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With a related allowance | ​ | $ | 745 | ​ | $ | — | ​ | $ | 745 | ​ | $ | (37) | ​ | $ | 708
Total single-family | ​ |  | 745 | ​ |  | — | ​ |  | 745 | ​ |  | (37) | ​ |  | 708
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total restructured loans | ​ | $ | 745 | ​ | $ | — | ​ | $ | 745 | ​ | $ | (37) | ​ | $ | 708
​
(1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 these 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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