
	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	$	55,494	$	26,543	$	88,014	$	241,014	$	110,879	$	521,944
Multi-family		165,778		151,438		116,462		24,714		110		458,502
Commercial real estate		36,963		15,035		35,387		—		1,255		88,640
Construction		2,534		—		—		—		—		2,534
Other		—		—		—		—		102		102
Commercial business loans		1,616		—		—		—		—		1,616
Consumer loans		68		—		—		—		—		68
Total loans held for investment, gross	$	262,453	$	193,016	$	239,863	$	265,728	$	112,346	$	1,073,406


	For the Quarter Ended						For the Six Months Ended
	December 31,						December 31,
(Dollars in Thousands)	2023			2022			2023			2022

Allowance at beginning of period	$	7,679		$	5,638		$	5,946		$	5,564

Impact of ASC 326 CECL adoption⁽¹⁾		—			—			1,197			—

(Recovery of) provision for credit losses		(679)			191			(143)			261

Recoveries:
Mortgage loans:
Single-family		—			1			—			5
Total recoveries		—			1			—			5

Total charge-offs		—			—			—			—

Net recoveries (charge-offs)		—			1			—			5
Allowance at end of period	$	7,000		$	5,830		$	7,000		$	5,830

ACL as a percentage of gross loans held for investment		0.65	%		0.56	%		0.65	%		0.56	%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)		0.00%	%		(0.00%)	%		0.00%	%		(0.00%)	%
ACL as a percentage of gross non-performing loans at the end of the period		386.74	%		561.12	%		386.74	%		561.12	%

(1)	Represents the impact of adopting ASC 326 on July 1, 2023. Since that date, as a result of adopting ASC 326, the methodology to compute the ACL has been based on CECL methodology, rather than the previously applied incurred loss methodology.


	Quarter Ended December 31, 2023
	Single-			Multi-			Commercial									Commercial
(In Thousands)	family			family			Real Estate			Construction			Other			Business			Consumer			Total
ACL:
Allowance at beginning of period	$	6,875		$	659		$	76		$	54		$	4		$	11		$	—		$	7,679
(Recovery of) provision for credit losses		(640)			(17)			(3)			(18)			(2)			1			—			(679)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	6,235		$	642		$	73		$	36		$	2		$	12		$	—		$	7,000

ACL:
Individually evaluated for impairment	$	37		$	—		$	—		$	—		$	—		$	—		$	—		$	37
Collectively evaluated for impairment		6,198			642			73			36			2			12			—			6,963
ACL, end of period	$	6,235		$	642		$	73		$	36		$	2		$	12		$	—		$	7,000

Loans held for investment:
Individually evaluated for impairment	$	810		$	—		$	—		$	—		$	—		$	—		$	—		$	810
Collectively evaluated for impairment		521,134			458,502			88,640			2,534			102			1,616			68			1,072,596
Total loans held for investment, gross	$	521,944		$	458,502		$	88,640		$	2,534		$	102		$	1,616		$	68		$	1,073,406
ACL as a percentage of gross loans held for investment		1.19	%		0.14	%		0.08	%		1.42	%		1.96	%		0.74	%		—	%		0.65	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	Quarter Ended December 31, 2022
	Single-			Multi-			Commercial									Commercial
(In Thousands)	family			family			Real Estate			Construction				Other		Business			Consumer			Total
ACL:
Allowance at beginning of period	$	1,450		$	3,305		$	806		$	22		$	3		$	48		$	4		$	5,638
Provision for (recovery of) credit losses		149			(5)			41			(5)			—			10			1			191
Recoveries		1			—			—			—			—			—			—			1
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	1,600		$	3,300		$	847		$	17		$	3		$	58		$	5		$	5,830

ACL:
Individually evaluated for impairment	$	38		$	—		$	—		$	—		$	—		$	—		$	—		$	38
Collectively evaluated for impairment		1,562			3,300			847			17			3			58			5			5,792
ACL, end of period	$	1,600		$	3,300		$	847		$	17		$	3		$	58		$	5		$	5,830

Loans held for investment:
Individually evaluated for impairment	$	810		$	—		$	—		$	—		$	—		$	—		$	—		$	810
Collectively evaluated for impairment		478,920			465,350			88,200			2,388			112			1,358			75			1,036,403
Total loans held for investment, gross	$	479,730		$	465,350		$	88,200		$	2,388		$	112		$	1,358		$	75		$	1,037,213
ACL as a percentage of gross loans held for investment		0.33	%		0.71	%		0.96	%		0.71	%		2.68	%		4.27	%		6.67	%		0.56	%
Net (recoveries) charge-offs to average loans receivable, net during the period		(0.00)	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	Six Months Ended December 31, 2023
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total
ACL:
Allowance at beginning of period	$	1,720		$	3,270		$	868		$	15		$	2		$	67		$	4		$	5,946
Adjustment to allowance for adoption of ASC 326		4,605			(2,614)			(786)			47			3			(54)			(4)			1,197
Recovery of credit losses		(90)			(14)			(9)			(26)			(3)			(1)			—			(143)
Recoveries		—			—			—			—			—			—			—			—
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	6,235		$	642		$	73		$	36		$	2		$	12		$	—		$	7,000

ACL:
Individually evaluated for impairment	$	37		$	—		$	—		$	—		$	—		$	—		$	—		$	37
Collectively evaluated for impairment		6,198			642			73			36			2			12			—			6,963
ACL, end of period	$	6,235		$	642		$	73		$	36		$	2		$	12		$	—		$	7,000

Loans held for investment:
Individually evaluated for impairment	$	810		$	—		$	—		$	—		$	—		$	—		$	—		$	810
Collectively evaluated for impairment		521,134			458,502			88,640			2,534			102			1,616			68			1,072,596
Total loans held for investment, gross	$	521,944		$	458,502		$	88,640		$	2,534		$	102		$	1,616		$	68		$	1,073,406
ACL as a percentage of gross loans held for investment		1.19	%		0.14	%		0.08	%		1.42	%		1.96	%		0.74	%		—	%		0.65	%
Net (recoveries) charge-offs to average loans receivable, net during the period		—	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%


	Six Months Ended December 31, 2022
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total
ACL:
Allowance at beginning of period	$	1,383		$	3,282		$	816		$	23		$	3		$	52		$	5		$	5,564
Provision for (recovery of) credit losses		212			18			31			(6)			—			6			—			261
Recoveries		5			—			—			—			—			—			—			5
Charge-offs		—			—			—			—			—			—			—			—
ACL, end of period	$	1,600		$	3,300		$	847		$	17		$	3		$	58		$	5		$	5,830

ACL:
Individually evaluated for impairment	$	38		$	—		$	—		$	—		$	—		$	—		$	—		$	38
Collectively evaluated for impairment		1,562			3,300			847			17			3			58			5			5,792
ACL, end of period	$	1,600		$	3,300		$	847		$	17		$	3		$	58		$	5		$	5,830

Loans held for investment:
Individually evaluated for impairment	$	810		$	—		$	—		$	—		$	—		$	—		$	—		$	810
Collectively evaluated for impairment		478,920			465,350			88,200			2,388			112			1,358			75			1,036,403
Total loans held for investment, gross	$	479,730		$	465,350		$	88,200		$	2,388		$	112		$	1,358		$	75		$	1,037,213
ACL as a percentage of gross loans held for investment		0.33	%		0.71	%		0.96	%		0.71	%		2.68	%		4.27	%		6.67	%		0.56	%
Net (recoveries) charge-offs to average loans receivable, net during the period		(0.00)	%		—	%		—	%		—	%		—	%		—	%		—	%		—	%