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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Jun. 30, 2023
Categories of Loans | Classes of loans at June 30, include:
|  | 2023 |  |  | 2022 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family, including home equity loans |  | $ | 163,854 |  |  | $ | 132,474 |
Multi-family |  |  | 89,649 |  |  |  | 88,247 |
Commercial |  |  | 193,707 |  |  |  | 167,375 |
Home equity lines of credit |  |  | 8,066 |  |  |  | 6,987 |
Construction |  |  | 50,973 |  |  |  | 41,254 |
Commercial |  |  | 79,693 |  |  |  | 80,418 |
Consumer |  |  | 8,382 |  |  |  | 8,981 |
|  |  | 594,324 |  |  |  | 525,736 |
Less |  |  |  |  |  |  |  |
Unearned fees and discounts, net |  |  | (272 | ) |  |  | (247 | )
Allowance for credit losses |  |  | 7,139 |  |  |  | 7,052 |
Loans, net |  | $ | 587,457 |  |  | $ | 518,931 |
Allowance for Credit Losses and Recorded Investment in Loans Based on Portfolio Segment and Impairment Method | Allowance for Credit Losses The following tables present the activity in the allowance for credit losses and the recorded investment in loans based on loan classes as of June 30, 2023 and 2022:
|  | 2023 |
|  | Real Estate Loans |
|  | One- to four- family |  |  | Multi-family |  |  | Commercial |  |  | Home Equity Lines of Credit |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year (prior to adoption of ASU 2016-13) |  | $ | 1,028 |  |  | $ | 1,375 |  |  | $ | 1,985 |  |  | $ | 70 |
Impact of adopting ASU 2016- 13 |  |  | 382 |  |  |  | (140 | ) |  |  | 385 |  |  |  | 33 |
Provision for credit losses |  |  | 487 |  |  |  | (114 | ) |  |  | (1 | ) |  |  | 18 |
Losses charged off |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Recoveries |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |
Balance, end of period |  | $ | 1,898 |  |  | $ | 1,121 |  |  | $ | 2,369 |  |  | $ | 121 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 163,854 |  |  | $ | 89,649 |  |  | $ | 193,707 |  |  | $ | 8,066 |
|  | 2023 (Continued) |
|  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year (prior to adoption of ASU 2016-13) |  | $ | 489 |  |  | $ | 2,025 |  |  | $ | 80 |  |  | $ | 7,052 |
Impact of adopting ASU 2016-13 |  |  | 192 |  |  |  | (818 | ) |  |  | 13 |  |  |  | 47 |
Provision for credit losses |  |  | 84 |  |  |  | (422 | ) |  |  | — |  |  |  | 52 |
Losses charged off |  |  | — |  |  |  | (14 | ) |  |  | (37 | ) |  |  | (51 | )
Recoveries |  |  | — |  |  |  | 23 |  |  |  | 15 |  |  |  | 39 |
Balance, end of year |  | $ | 765 |  |  | $ | 794 |  |  | $ | 71 |  |  | $ | 7,139 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 50,973 |  |  | $ | 79,693 |  |  | $ | 8,382 |  |  | $ | 594,324 |
|  | 2022 |
|  | Real Estate Loans |
|  | One- to four- family |  |  | Multi-family |  |  | Commercial |  |  | Home Equity Lines of Credit |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 967 |  |  | $ | 1,674 |  |  | $ | 1,831 |  |  | $ | 67 |
Provision charged to expense |  |  | 100 |  |  |  | (299 | ) |  |  | 154 |  |  |  | 3 |
Losses charged off |  |  | (40 | ) |  |  | — |  |  |  | — |  |  |  | — |
Recoveries |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |
Balance, end of period |  | $ | 1,028 |  |  | $ | 1,375 |  |  | $ | 1,985 |  |  | $ | 70 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 1,028 |  |  | $ | 1,375 |  |  | $ | 1,985 |  |  | $ | 70 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 132,474 |  |  | $ | 88,247 |  |  | $ | 167,375 |  |  | $ | 6,987 |
Ending balance: individually evaluated for impairment |  | $ | 1,350 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 131,124 |  |  | $ | 88,247 |  |  | $ | 167,375 |  |  | $ | 6,987 |
|  | 2022 (Continued) |
|  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 258 |  |  | $ | 1,740 |  |  | $ | 62 |  |  | $ | 6,599 |
Provision charged to expense |  |  | 231 |  |  |  | 265 |  |  |  | 38 |  |  |  | 492 |
Losses charged off |  |  | — |  |  |  | — |  |  |  | (27 | ) |  |  | (67 | )
Recoveries |  |  | — |  |  |  | 20 |  |  |  | 7 |  |  |  | 28 |
Balance, end of year |  | $ | 489 |  |  | $ | 2,025 |  |  | $ | 80 |  |  | $ | 7,052 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 489 |  |  | $ | 2,025 |  |  | $ | 80 |  |  | $ | 7,052 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 41,254 |  |  | $ | 80,418 |  |  | $ | 8,981 |  |  | $ | 525,736 |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 35 |  |  | $ | — |  |  | $ | 1,385 |
Ending balance: collectively evaluated for impairment |  | $ | 41,254 |  |  | $ | 80,383 |  |  | $ | 8,981 |  |  | $ | 524,351 |
Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Year of Origination | The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and year of origination as of June 30, 2023 and the risk rating category and class of loan as of June 30, 2022 (in thousands):
Risk Rating |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior Years |  |  | Total |
One- to Four-Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 22,032 |  |  | $ | 56,054 |  |  | $ | 27,843 |  |  | $ | 18,468 |  |  | $ | 5,996 |  |  | $ | 32,729 |  |  | $ | 163,122 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 335 |  |  |  | 335 |
Substandard |  |  | 14 |  |  |  | 6 |  |  |  | 94 |  |  |  | 61 |  |  |  | 222 |  |  |  | — |  |  |  | 397 |
Total |  | $ | 22,046 |  |  | $ | 56,060 |  |  | $ | 27,937 |  |  | $ | 18,529 |  |  | $ | 6,218 |  |  | $ | 33,064 |  |  | $ | 163,854 |
Multi-Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 674 |  |  | $ | 37,826 |  |  | $ | 10,647 |  |  | $ | 14,399 |  |  | $ | 8,587 |  |  | $ | 17,272 |  |  | $ | 89,405 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 244 |  |  |  | — |  |  |  | 244 |
Total |  | $ | 674 |  |  | $ | 37,826 |  |  | $ | 10,647 |  |  | $ | 14,399 |  |  | $ | 8,831 |  |  | $ | 17,272 |  |  | $ | 89,649 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 12,214 |  |  | $ | 63,645 |  |  | $ | 29,320 |  |  | $ | 32,502 |  |  | $ | 5,844 |  |  | $ | 49,239 |  |  | $ | 192,764 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 862 |  |  |  | 81 |  |  |  | — |  |  |  | 943 |
Total |  | $ | 12,214 |  |  | $ | 63,645 |  |  | $ | 29,320 |  |  | $ | 33,364 |  |  | $ | 5,925 |  |  | $ | 49,239 |  |  | $ | 193,707 |
Home Equity Line of Credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 982 |  |  | $ | 2,554 |  |  | $ | 1,301 |  |  | $ | 1,035 |  |  | $ | 789 |  |  | $ | 1,405 |  |  | $ | 8,066 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 982 |  |  | $ | 2,554 |  |  | $ | 1,301 |  |  | $ | 1,035 |  |  | $ | 789 |  |  | $ | 1,405 |  |  | $ | 8,066 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,882 |  |  | $ | 29,188 |  |  | $ | 10,432 |  |  | $ | 8,471 |  |  | $ | — |  |  | $ | — |  |  | $ | 50,973 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 2,882 |  |  | $ | 29,188 |  |  | $ | 10,432 |  |  | $ | 8,471 |  |  | $ | — |  |  | $ | — |  |  | $ | 50,973 |
Commercial Business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 12,449 |  |  | $ | 20,004 |  |  | $ | 17,673 |  |  | $ | 8,797 |  |  | $ | 7,669 |  |  | $ | 8,841 |  |  | $ | 75,433 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | 2,779 |  |  |  | 59 |  |  |  | 174 |  |  |  | 1,189 |  |  |  | 57 |  |  |  | 2 |  |  |  | 4,260 |
Total |  | $ | 15,228 |  |  | $ | 20,063 |  |  | $ | 17,847 |  |  | $ | 9,986 |  |  | $ | 7,726 |  |  | $ | 8,843 |  |  | $ | 79,693 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,391 |  |  | $ | 3,181 |  |  | $ | 1,653 |  |  | $ | 834 |  |  | $ | 211 |  |  | $ | 107 |  |  | $ | 8,377 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 5 |
Total |  | $ | 2,391 |  |  | $ | 3,181 |  |  | $ | 1,654 |  |  | $ | 834 |  |  | $ | 211 |  |  | $ | 111 |  |  | $ | 8,382 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 53,624 |  |  | $ | 212,452 |  |  | $ | 98,869 |  |  | $ | 84,506 |  |  | $ | 29,096 |  |  | $ | 109,593 |  |  | $ | 588,140 |
Watch |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 335 |  |  |  | 335 |
Substandard |  |  | 2,793 |  |  |  | 65 |  |  |  | 269 |  |  |  | 2,112 |  |  |  | 604 |  |  |  | 6 |  |  |  | 5,849 |
Total |  | $ | 56,417 |  |  | $ | 212,517 |  |  | $ | 99,138 |  |  | $ | 86,618 |  |  | $ | 29,700 |  |  | $ | 109,934 |  |  | $ | 594,324 |
|  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |
|  | One- to Four- Family |  |  | Multi-Family |  |  | Commercial |  |  | Home Equity Lines of Credit |  |  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
June 30, 2022: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 130,950 |  |  | $ | 87,993 |  |  | $ | 164,424 |  |  | $ | 6,987 |  |  | $ | 41,254 |  |  | $ | 73,226 |  |  | $ | 8,970 |  |  | $ | 513,804 |
Substandard |  |  | 1,524 |  |  |  | 254 |  |  |  | 2,951 |  |  |  | — |  |  |  | — |  |  |  | 7,192 |  |  |  | 11 |  |  |  | 11,932 |
Total |  | $ | 132,474 |  |  | $ | 88,247 |  |  | $ | 167,375 |  |  | $ | 6,987 |  |  | $ | 41,254 |  |  | $ | 80,418 |  |  | $ | 8,981 |  |  | $ | 525,736 |
Association's Loan Portfolio Aging Analysis | The following tables present the Company’s loan portfolio aging analysis:
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Current |  |  | Total Loans Receivable |  |  | Total Loans 90 Days Past Due & Accruing |
June 30, 2023: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 523 |  |  | $ | 116 |  |  | $ | — |  |  | $ | 639 |  |  | $ | 163,215 |  |  | $ | 163,854 |  |  | $ | — |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 89,649 |  |  |  | 89,649 |  |  |  | — |
Commercial |  |  | 153 |  |  |  | — |  |  |  | — |  |  |  | 153 |  |  |  | 193,554 |  |  |  | 193,707 |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | 20 |  |  |  | — |  |  |  | 20 |  |  |  | 8,046 |  |  |  | 8,066 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 50,973 |  |  |  | 50,973 |  |  |  | — |
Commercial |  |  | 56 |  |  |  | — |  |  |  | 58 |  |  |  | 114 |  |  |  | 79,579 |  |  |  | 79,693 |  |  |  | — |
Consumer |  |  | 47 |  |  |  | 6 |  |  |  | 2 |  |  |  | 55 |  |  |  | 8,327 |  |  |  | 8,382 |  |  |  | — |
Total |  | $ | 779 |  |  | $ | 142 |  |  | $ | 60 |  |  | $ | 981 |  |  | $ | 593,343 |  |  | $ | 594,324 |  |  | $ | — |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Current |  |  | Total Loans Receivable |  |  | Total Loans 90 Days Past Due & Accruing |
June 30, 2022: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 374 |  |  | $ | 144 |  |  | $ | 1,174 |  |  | $ | 1,692 |  |  | $ | 130,782 |  |  | $ | 132,474 |  |  | $ | 47 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 88,247 |  |  |  | 88,247 |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167,375 |  |  |  | 167,375 |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,987 |  |  |  | 6,987 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 41,254 |  |  |  | 41,254 |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 80,418 |  |  |  | 80,418 |  |  |  | — |
Consumer |  |  | 78 |  |  |  | 21 |  |  |  | — |  |  |  | 99 |  |  |  | 8,882 |  |  |  | 8,981 |  |  |  | — |
Total |  | $ | 452 |  |  | $ | 165 |  |  | $ | 1,174 |  |  | $ | 1,791 |  |  | $ | 523,945 |  |  | $ | 525,736 |  |  | $ | 47 |
Summary of Impaired Loans | The following tables present impaired loans for year ended June 30, 2022:
|  | June 30, 2022 |
|  | 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 |  | $ | 1,350 |  |  | $ | 1,350 |  |  | $ | — |  |  | $ | 1,361 |  |  | $ | 15 |  |  | $ | 13 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 35 |  |  |  | 35 |  |  |  | — |  |  |  | 40 |  |  |  | 4 |  |  |  | 4 |
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 |  | $ | 1,350 |  |  | $ | 1,350 |  |  | $ | — |  |  | $ | 1,361 |  |  | $ | 15 |  |  | $ | 13 |
Multi-family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 35 |  |  |  | 35 |  |  |  | — |  |  |  | 40 |  |  |  | 4 |  |  |  | 4 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,385 |  |  | $ | 1,385 |  |  | $ | — |  |  | $ | 1,401 |  |  | $ | 19 |  |  | $ | 17 |
Nonaccrual Loans | The following table presents the Company’s nonaccrual loans at June 30, 2023 and 2022:
|  | 2023 |  |  | 2022 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family, including home equity loans |  | $ | — |  |  | $ | 1,127 |
Multi-family |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |
Commercial |  |  | 115 |  |  |  | — |
Consumer |  |  | 2 |  |  |  | — |
Total |  | $ | 117 |  |  | $ | 1,127 |
Loans Modified as Troubled Debt Restructurings | The following table presents the recorded balance, at original cost, of troubled debt restructurings, as of June 30, 2023 and 2022. All were performing according to the terms of the restructuring as of both June 30, 2023 and June 30, 2022. All loans listed as of both June 30, 2023 and 2022 were accruing.
|  | June 30, 2023 |  |  | June 30, 2022 |
Real estate loans |  |  |  |  |  |  |  |
One- to four-family, including home equity loans |  | $ | 189 |  |  | $ | 962 |
Multi-family |  |  | — |  |  |  | — |
Commercial |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | — |  |  |  | — |
Total real estate loans |  |  | 189 |  |  |  | 962 |
Construction |  |  | — |  |  |  | — |
Commercial |  |  | 26 |  |  |  | 36 |
Consumer |  |  | — |  |  |  | — |
Total |  | $ | 215 |  |  | $ | 998 |

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