XML 94 R72.htm IDEA: XBRL DOCUMENT v3.25.2
Loans Held for Investment - Schedule of Allowance For Credit Losses and Recorded Investment in Gross Loans, by Portfolio Type (Details) - USD ($)
$ in Thousands
12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 7,065 $ 5,946
(Recovery of) provision for credit losses (641) (78)
ACL, end of period 6,424 7,065
Allowance for credit losses: Individually evaluated for impairment   37
Allowance for credit losses: Collectively evaluated for impairment 6,424 7,028
Loans held for investment: Individually evaluated for allowances 836 1,134
Loans held for investment: Collectively evaluated for allowances 1,041,587 1,049,712
Total loans held for investment $ 1,042,423 $ 1,050,846
ACL on loans as a percentage of gross loans held for investment 0.62% 0.67%
ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ 1,197
Mortgage loans | Single-family    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 6,295 1,720
(Recovery of) provision for credit losses (561) (30)
ACL, end of period 5,734 6,295
Allowance for credit losses: Individually evaluated for impairment   37
Allowance for credit losses: Collectively evaluated for impairment 5,734 6,258
Loans held for investment: Individually evaluated for allowances 369 1,134
Loans held for investment: Collectively evaluated for allowances 544,056 516,957
Total loans held for investment $ 544,425 $ 518,091
ACL on loans as a percentage of gross loans held for investment 1.05% 1.22%
Mortgage loans | Single-family | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ 4,605
Mortgage loans | Multi-family    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 595 3,270
(Recovery of) provision for credit losses 20 (61)
ACL, end of period 615 595
Allowance for credit losses: Collectively evaluated for impairment 615 595
Loans held for investment: Individually evaluated for allowances 467  
Loans held for investment: Collectively evaluated for allowances 422,950 445,182
Total loans held for investment $ 423,417 $ 445,182
ACL on loans as a percentage of gross loans held for investment 0.15% 0.13%
Mortgage loans | Multi-family | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ (2,614)
Mortgage loans | Commercial real estate    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 66 868
(Recovery of) provision for credit losses (11) (16)
ACL, end of period 55 66
Allowance for credit losses: Collectively evaluated for impairment 55 66
Loans held for investment: Collectively evaluated for allowances 72,766 83,349
Total loans held for investment $ 72,766 $ 83,349
ACL on loans as a percentage of gross loans held for investment 0.08% 0.08%
Mortgage loans | Commercial real estate | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ (786)
Mortgage loans | Construction    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 97 15
(Recovery of) provision for credit losses (85) 35
ACL, end of period 12 97
Allowance for credit losses: Collectively evaluated for impairment 12 97
Loans held for investment: Collectively evaluated for allowances 402 2,692
Total loans held for investment $ 402 $ 2,692
ACL on loans as a percentage of gross loans held for investment 2.99% 3.60%
Mortgage loans | Construction | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ 47
Mortgage loans | Other    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 1 2
(Recovery of) provision for credit losses 1 (4)
ACL, end of period 2 1
Allowance for credit losses: Collectively evaluated for impairment 2 1
Loans held for investment: Collectively evaluated for allowances 89 95
Total loans held for investment $ 89 $ 95
ACL on loans as a percentage of gross loans held for investment 2.25% 1.05%
Mortgage loans | Other | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ 3
Commercial business loans    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period $ 11 67
(Recovery of) provision for credit losses (5) (2)
ACL, end of period 6 11
Allowance for credit losses: Collectively evaluated for impairment 6 11
Loans held for investment: Collectively evaluated for allowances 1,267 1,372
Total loans held for investment $ 1,267 $ 1,372
ACL on loans as a percentage of gross loans held for investment 0.47% 0.80%
Commercial business loans | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ (54)
Consumer loans    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   4
Loans held for investment: Collectively evaluated for allowances $ 57 65
Total loans held for investment $ 57 65
Consumer loans | ASC 326 | Impact of ASU adoption    
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
ACL, beginning of period   $ (4)