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v3.21.2

Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Jun. 30, 2021
Categories of Loans | Classes of loans at June 30, include:
|  | 2021 |  |  | 2020 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family, including home equity loans |  | $ | 117,435 |  |  | $ | 128,876 |
Multi-family |  |  | 104,433 |  |  |  | 96,195 |
Commercial |  |  | 155,884 |  |  |  | 145,113 |
Home equity lines of credit |  |  | 6,688 |  |  |  | 8,551 |
Construction |  |  | 25,345 |  |  |  | 22,042 |
Commercial |  |  | 103,088 |  |  |  | 107,581 |
Consumer |  |  | 7,653 |  |  |  | 7,529 |
|  |  | 520,526 |  |  |  | 515,887 |
Less |  |  |  |  |  |  |  |
Unearned fees and discounts, net |  |  | 556 |  |  |  | (164 | )
Allowance for loan losses |  |  | 6,599 |  |  |  | 6,234 |
Loans, net |  | $ | 513,371 |  |  | $ | 509,817 |
Allowance for Loan Losses and Recorded Investment in Loans Based on Portfolio Segment and Impairment Method | The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of June 30, 2021 and 2020:
|  | 2021 |
|  | Real Estate Loans |
|  | One- to four- family |  |  | Multi-family |  |  | Commercial |  |  | Home Equity Lines of Credit |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 1,044 |  |  | $ | 1,514 |  |  | $ | 1,706 |  |  | $ | 87 |
Provision charged to expense |  |  | (64 | ) |  |  | 160 |  |  |  | 125 |  |  |  | (20 | )
Losses charged off |  |  | (15 | ) |  |  | — |  |  |  | — |  |  |  | — |
Recoveries |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | — |
Balance, end of period |  | $ | 967 |  |  | $ | 1,674 |  |  | $ | 1,831 |  |  | $ | 67 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 967 |  |  | $ | 1,674 |  |  | $ | 1,831 |  |  | $ | 67 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 117,435 |  |  | $ | 104,433 |  |  | $ | 155,884 |  |  | $ | 6,688 |
Ending balance: individually evaluated for impairment |  | $ | 1,252 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 116,183 |  |  | $ | 104,433 |  |  | $ | 155,884 |  |  | $ | 6,688 |
|  | 2021 (Continued) |
|  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 240 |  |  | $ | 1,583 |  |  | $ | 60 |  |  | $ | 6,234 |
Provision charged to expense |  |  | 18 |  |  |  | 611 |  |  |  | 14 |  |  |  | 844 |
Losses charged off |  |  | — |  |  |  | (473 | ) |  |  | (25 | ) |  |  | (513 | )
Recoveries |  |  | — |  |  |  | 19 |  |  |  | 13 |  |  |  | 34 |
Balance, end of year |  | $ | 258 |  |  | $ | 1,740 |  |  | $ | 62 |  |  | $ | 6,599 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 258 |  |  | $ | 1,740 |  |  | $ | 62 |  |  | $ | 6,599 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 25,345 |  |  | $ | 103,088 |  |  | $ | 7,653 |  |  | $ | 520,526 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 46 |  |  | $ | — |  |  | $ | 1,298 |
Ending balance: collectively evaluated for impairment |  | $ | 25,345 |  |  | $ | 103,042 |  |  | $ | 7,653 |  |  | $ | 519,228 |
|  | 2020 |
|  | Real Estate Loans |
|  | One- to four- family |  |  | Multi-family |  |  | Commercial |  |  | Home Equity Lines of Credit |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 1,031 |  |  | $ | 1,642 |  |  | $ | 1,623 |  |  | $ | 89 |
Provision charged to expense |  |  | 50 |  |  |  | (128 | ) |  |  | 83 |  |  |  | (2 | )
Losses charged off |  |  | (40 | ) |  |  | — |  |  |  | — |  |  |  | — |
Recoveries |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | — |
Balance, end of period |  | $ | 1,044 |  |  | $ | 1,514 |  |  | $ | 1,706 |  |  | $ | 87 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 1,044 |  |  | $ | 1,514 |  |  | $ | 1,706 |  |  | $ | 87 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 128,876 |  |  | $ | 96,195 |  |  | $ | 145,113 |  |  | $ | 8,551 |
Ending balance: individually evaluated for impairment |  | $ | 1,336 |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |
Ending balance: collectively evaluated for impairment |  | $ | 127,540 |  |  | $ | 96,195 |  |  | $ | 145,113 |  |  | $ | 8,536 |
|  | 2020 (Continued) |
|  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 213 |  |  | $ | 1,659 |  |  | $ | 71 |  |  | $ | 6,328 |
Provision charged to expense |  |  | 27 |  |  |  | 84 |  |  |  | 14 |  |  |  | 128 |
Losses charged off |  |  | — |  |  |  | (191 | ) |  |  | (37 | ) |  |  | (268 | )
Recoveries |  |  | — |  |  |  | 31 |  |  |  | 12 |  |  |  | 46 |
Balance, end of year |  | $ | 240 |  |  | $ | 1,583 |  |  | $ | 60 |  |  | $ | 6,234 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 240 |  |  | $ | 1,583 |  |  | $ | 60 |  |  | $ | 6,234 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 22,042 |  |  | $ | 107,581 |  |  | $ | 7,529 |  |  | $ | 515,887 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 304 |  |  | $ | 5 |  |  | $ | 1,660 |
Ending balance: collectively evaluated for impairment |  | $ | 22,042 |  |  | $ | 107,277 |  |  | $ | 7,524 |  |  | $ | 514,227 |
Credit Risk Profile of Association's Loan Portfolio Based on Rating Category and Payment Activity | The following tables present the credit risk profile of the Company’s loan portfolio, as of June 30, 2021 and 2020, based on rating category and payment activity:
|  | Real Estate Loans |  |  |  |
June 30, 2021 |  | One- to four- family |  |  | Multi- family |  |  | Commercial |  |  | Home Equity Lines of Credit |  |  | Construction |
Pass |  | $ | 116,980 |  |  | $ | 104,170 |  |  | $ | 154,833 |  |  | $ | 6,688 |  |  | $ | 25,345 |
Watch |  |  | — |  |  |  | — |  |  |  | 954 |  |  |  | — |  |  |  | — |
Substandard |  |  | 455 |  |  |  | 263 |  |  |  | 97 |  |  |  | — |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 117,435 |  |  | $ | 104,433 |  |  | $ | 155,884 |  |  | $ | 6,688 |  |  | $ | 25,345 |
June 30, 2021, (Continued) |  | Commercial |  |  | Consumer |  |  | Total |  |  |  |  |  |  |
Pass |  | $ | 97,078 |  |  | $ | 7,652 |  |  | $ | 512,746 |  |  |  |  |  |  |  |  |
Watch |  |  | 5,964 |  |  |  | 1 |  |  |  | 6,919 |  |  |  |  |  |  |  |  |
Substandard |  |  | 46 |  |  |  | — |  |  |  | 861 |  |  |  |  |  |  |  |  |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  | $ | 103,088 |  |  | $ | 7,653 |  |  | $ | 520,526 |  |  |  |  |  |  |  |  |
|  | Real Estate Loans |  |  |  |
June 30, 2020 |  | One- to four- family |  |  | Multi -family |  |  | Commercial |  |  | Home Equity Lines of Credit |  |  | Construction |
Pass |  | $ | 127,279 |  |  | $ | 95,925 |  |  | $ | 143,727 |  |  | $ | 8,402 |  |  | $ | 22,042 |
Watch |  |  | 775 |  |  |  | — |  |  |  | 1,073 |  |  |  | 134 |  |  |  | — |
Substandard |  |  | 822 |  |  |  | 270 |  |  |  | 313 |  |  |  | 15 |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 128,876 |  |  | $ | 96,195 |  |  | $ | 145,113 |  |  | $ | 8,551 |  |  | $ | 22,042 |
June 30, 2020, (Continued) |  | Commercial |  |  | Consumer |  |  | Total |  |  |  |  |  |  |
Pass |  | $ | 105,605 |  |  | $ | 7,524 |  |  | $ | 510,504 |  |  |  |  |  |  |  |  |
Watch |  |  | 1,651 |  |  |  | — |  |  |  | 3,633 |  |  |  |  |  |  |  |  |
Substandard |  |  | 81 |  |  |  | 5 |  |  |  | 1,506 |  |  |  |  |  |  |  |  |
Doubtful |  |  | 244 |  |  |  | — |  |  |  | 244 |  |  |  |  |  |  |  |  |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  | $ | 107,581 |  |  | $ | 7,529 |  |  | $ | 515,887 |  |  |  |  |  |  |  |  |
Association's Loan Portfolio Aging Analysis | The following tables present the Company’s loan portfolio aging analysis as of June 30, 2021 and 2020:
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Total Loans Receivable |  |  | Total Loans > 90 Days & Accruing |
June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 320 |  |  | $ | 52 |  |  | $ | 152 |  |  | $ | 524 |  |  | $ | 116,911 |  |  | $ | 117,435 |  |  | $ | 118 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 104,433 |  |  |  | 104,433 |  |  |  | — |
Commercial |  |  | 86 |  |  |  | — |  |  |  | — |  |  |  | 86 |  |  |  | 155,798 |  |  |  | 155,884 |  |  |  | — |
Home equity lines of credit |  |  | 55 |  |  |  | — |  |  |  | — |  |  |  | 55 |  |  |  | 6,633 |  |  |  | 6,688 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,345 |  |  |  | 25,345 |  |  |  | — |
Commercial |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | 103,079 |  |  |  | 103,088 |  |  |  | — |
Consumer |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 7,647 |  |  |  | 7,653 |  |  |  | — |
Total |  | $ | 476 |  |  | $ | 52 |  |  | $ | 152 |  |  | $ | 680 |  |  | $ | 519,846 |  |  | $ | 520,526 |  |  | $ | 118 |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,034 |  |  | $ | 225 |  |  | $ | 385 |  |  | $ | 1,644 |  |  | $ | 127,232 |  |  | $ | 128,876 |  |  | $ | 304 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 96,195 |  |  |  | 96,195 |  |  |  | — |
Commercial |  |  | 172 |  |  |  | 95 |  |  |  | — |  |  |  | 267 |  |  |  | 144,846 |  |  |  | 145,113 |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,551 |  |  |  | 8,551 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 22,042 |  |  |  | 22,042 |  |  |  | — |
Commercial |  |  | — |  |  |  | 4 |  |  |  | 244 |  |  |  | 248 |  |  |  | 107,333 |  |  |  | 107,581 |  |  |  | — |
Consumer |  |  | 24 |  |  |  | 43 |  |  |  | — |  |  |  | 67 |  |  |  | 7,462 |  |  |  | 7,529 |  |  |  | — |
Total |  | $ | 1,230 |  |  | $ | 367 |  |  | $ | 629 |  |  | $ | 2,226 |  |  | $ | 513,661 |  |  | $ | 515,887 |  |  | $ | 304 |
Summary of Impaired Loans | The following tables present impaired loans for year ended June 30, 2021 and 2020:
|  | June 30, 2021 |
|  | Recorded Balance |  |  | Unpaid Principal Balance |  |  | Specific Allowance |  |  | Average Investment in Impaired Loans |  |  | Interest Income Recognized |  |  | Interest on Cash Basis |
Loans without a specific allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,252 |  |  | $ | 1,252 |  |  | $ | — |  |  | $ | 1,271 |  |  | $ | 67 |  |  | $ | 50 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 46 |  |  |  | 46 |  |  |  | — |  |  |  | 265 |  |  |  | 19 |  |  |  | 23 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Loans with a specific allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,252 |  |  | $ | 1,252 |  |  | $ | — |  |  | $ | 1,271 |  |  | $ | 67 |  |  | $ | 50 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 46 |  |  |  | 46 |  |  |  | — |  |  |  | 265 |  |  |  | 19 |  |  |  | 23 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,298 |  |  | $ | 1,298 |  |  | $ | — |  |  | $ | 1,536 |  |  | $ | 86 |  |  | $ | 73 |
|  | June 30, 2020 |
|  | Recorded Balance |  |  | Unpaid Principal Balance |  |  | Specific Allowance |  |  | Average Investment in Impaired Loans |  |  | Interest Income Recognized |  |  | Interest on Cash Basis |
Loans without a specific allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,336 |  |  | $ | 1,336 |  |  | $ | — |  |  | $ | 1,388 |  |  | $ | 61 |  |  | $ | 62 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | 15 |  |  |  | 15 |  |  |  | — |  |  |  | 18 |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 304 |  |  |  | 304 |  |  |  | — |  |  |  | 382 |  |  |  | 23 |  |  |  | 25 |
Consumer |  |  | 5 |  |  |  | 5 |  |  |  | — |  |  |  | 9 |  |  |  | — |  |  |  | — |
Loans with a specific allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,336 |  |  | $ | 1,336 |  |  | $ | — |  |  | $ | 1,388 |  |  | $ | 61 |  |  | $ | 62 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | 15 |  |  |  | 15 |  |  |  | — |  |  |  | 18 |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 304 |  |  |  | 304 |  |  |  | — |  |  |  | 382 |  |  |  | 23 |  |  |  | 25 |
Consumer |  |  | 5 |  |  |  | 5 |  |  |  | — |  |  |  | 9 |  |  |  | — |  |  |  | — |
Total |  | $ | 1,660 |  |  | $ | 1,660 |  |  | $ | — |  |  | $ | 1,800 |  |  | $ | 84 |  |  | $ | 87 |
Loans Modified as Troubled Debt Restructurings | The following table represents loans modified as troubled debt restructurings during the years ending June 30, 2021 and 2020:
|  | Year Ended June 30, 2021 |  |  | Year Ended June 30, 2020 |
|  | Number of Modifications |  |  | Recorded Investment |  |  | Number of Modifications |  |  | Recorded Investment |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 61 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 61 |
Nonaccrual 1 [Member] |
Nonaccrual Loans | The following table presents the Company’s nonaccrual loans at June 30, 2021 and 2020:
|  | 2021 |  |  | 2020 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family, including home equity loans |  | $ | 34 |  |  | $ | 81 |
Multi-family |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | 15 |
Construction |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | 304 |
Consumer |  |  | — |  |  |  | 5 |
Total |  | $ | 34 |  |  | $ | 405 |
Nonaccrual 2 [Member] |
Nonaccrual Loans | The following table presents the recorded balance, at original cost, of troubled debt restructurings, as of June 30, 2021 and 2020. With the exception of a single one- to four-family loan in the amount of $118,000, all were performing according to the terms of the restructuring as of June 30, 2021, and with the exception of a single one- to four-family loan for $127,000, all loans were performing according to the terms of restructuring as of June 30, 2020. As of June 30, 2021 all loans listed were accruing. As of June 30, 2020 all loans listed were on nonaccrual except for nine one- to four-family residential loans totaling $1.3 million.
|  | June 30, 2021 |  |  | June 30, 2020 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,218 |  |  | $ | 1,256 |
Multi-family |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | 15 |
Total real estate loans |  |  | 1,218 |  |  |  | 1,271 |
Construction |  |  | — |  |  |  | — |
Commercial |  |  | 46 |  |  |  | 59 |
Consumer |  |  | — |  |  |  | — |
Total |  | $ | 1,264 |  |  | $ | 1,330 |

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