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Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Sep. 30, 2025

Loans and Allowance for Credit Losses [Line Items]

Categories of Loans

		September 30, 2025				June 30, 2025
Segments of loans include:
Real estate loans:
One- to four-family		$	181,617			$	178,979
Multi-family			118,318				126,127
Commercial			196,022				201,550
Home equity lines of credit			10,359				10,487
Construction			20,015				22,927
Commercial			93,243				93,961
Consumer			5,864				5,855
Total loans			625,438				639,886
Less:
Unearned fees and discounts, net			(335	)			(344	)
Allowance for credit losses			6,491				6,627
Loans, net		$	619,282			$	633,603

Allowance for Credit Losses

Allowance for Credit Losses

The following tables present the activity in the allowance for credit losses for the three-month periods ended September 30, 2025 and 2024 and the year ended June 30, 2025:

		Three Months Ended September 30, 2025 Real Estate Loans
		One- to Four- Family				Multi-Family				Commercial				Home Equity Lines of Credit
Allowance for credit losses:
Balance, beginning of period		$	1,475			$	1,513			$	2,252			$	144
Provision (credit) charged to expense			75				(153	)			(135	)			(8	)
Losses charged off			—				—				—				—
Recoveries			2				—				—				—
Balance, end of period		$	1,552			$	1,360			$	2,117			$	136
Loans:
Ending balance		$	181,617			$	118,318			$	196,022			$	10,359

		Three Months Ended September 30, 2025 (Continued)
		Construction				Commercial				Consumer				Total
Allowance for credit losses:
Balance, beginning of period		$	206			$	985			$	52			$	6,627
Provision (credit) charged to expense			(26	)			174				8				(65	)
Losses charged off			—				(70	)			(9	)			(79	)
Recoveries			—				2				4				8
Balance, end of period		$	180			$	1,091			$	55			$	6,491
Loans:
Ending balance		$	20,015			$	93,243			$	5,864			$	625,438

		Year Ended June 30, 2025 Real Estate Loans
		One- to Four- Family				Multi-Family				Commercial				Home Equity Lines of Credit
Allowance for credit losses:
Balance, beginning of period		$	1,774			$	1,764			$	2,358			$	148
Provision (credit) charged to expense			(222	)			(121	)			(106	)			(4	)
Losses charged off			(79	)			(350	)			—				—
Recoveries			2				220				—				—
Balance, end of period		$	1,475			$	1,513			$	2,252			$	144
Loans:
Ending balance		$	178,979			$	126,127			$	201,550			$	10,487

		Year Ended June 30, 2025 (Continued)
		Construction				Commercial				Consumer				Total
Allowance for credit losses:
Balance, beginning of period		$	337			$	1,053			$	65			$	7,499
Provision (credit) charged to expense			(131	)			(131	)			37				(678	)
Losses charged off			—				(50	)			(70	)			(549	)
Recoveries			—				113				20				355
Balance, end of period		$	206			$	985			$	52			$	6,627
Loans:
Ending balance		$	22,927			$	93,961			$	5,855			$	639,886

		Three Months Ended September 30, 2024
		Real Estate Loans
		One- to Four- Family				Multi-Family				Commercial				Home Equity Lines of Credit
Allowance for credit losses:
Balance, beginning of period		$	1,774			$	1,764			$	2,358			$	148
Provision (credit) charged to expense			(147	)			348				4				(1	)
Losses charged off			—				(350	)			—				—
Recoveries			1				—				—				—
Balance, end of period		$	1,628			$	1,762			$	2,362			$	147
Loans:
Ending balance		$	176,334			$	125,906			$	205,103			$	9,927

		Three Months Ended September 30, 2024 (Continued)
		Construction				Commercial				Consumer				Total
Allowance for credit losses:
Balance, beginning of period		$	337			$	1,053			$	65			$	7,499
Provision (credit) charged to expense			(59	)			231				1				377
Losses charged off			—				(50	)			(9	)			(409	)
Recoveries			—				2				2				5
Balance, end of period		$	278			$	1,236			$	59			$	7,472
Loans:
Ending balance		$	30,839			$	98,894			$	7,186			$	654,189

Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Calendar Year of Origination

The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and calendar year of origination as of both September 30, 2025 and June 30, 2025 (in thousands):

September 30, 2025
Risk Rating		2025				2024				2023				2022				2021				Prior Years				Total
One- to Four-Family
Pass		$	25,196			$	23,827			$	30,970			$	43,951			$	18,951			$	37,950			$	180,845
Watch			—				34				274				—				—				40				348
Substandard			—				254				—				3				5				162				424
Total		$	25,196			$	24,115			$	31,244			$	43,954			$	18,956			$	38,152			$	181,617
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	2			$	2
Multi-Family
Pass		$	7,326			$	15,562			$	10,322			$	38,340			$	19,684			$	26,861			$	118,095
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				223				223
Total		$	7,326			$	15,562			$	10,322			$	38,340			$	19,684			$	27,084			$	118,318
Commercial Real Estate
Pass		$	10,943			$	14,199			$	25,985			$	49,163			$	28,706			$	64,903			$	193,899
Watch			—				—				—				170				—				—				170
Substandard			—				123				—				503				829				498				1,953
Total		$	10,943			$	14,322			$	25,985			$	49,836			$	29,535			$	65,401			$	196,022
Home Equity Line of Credit
Pass		$	1,778			$	2,570			$	1,788			$	1,512			$	1,208			$	1,503			$	10,359
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—
Total		$	1,778			$	2,570			$	1,788			$	1,512			$	1,208			$	1,503			$	10,359
Construction
Pass		$	6,367			$	1,476			$	12,050			$	122			$	—			$	—			$	20,015
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—
Total		$	6,367			$	1,476			$	12,050			$	122			$	—			$	—			$	20,015
Commercial Business
Pass		$	14,119			$	20,747			$	31,849			$	3,249			$	5,432			$	14,403			$	89,799
Watch			—				—				—				49				—				17				66
Substandard			—				—				3,067				—				100				211				3,378
Total		$	14,119			$	20,747			$	34,916			$	3,298			$	5,532			$	14,631			$	93,243
Current period charge-offs		$	—			$	(70	)		$	—			$	—			$	—			$	—			$	(70	)
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	2			$	2
Consumer
Pass		$	2,184			$	1,376			$	1,207			$	775			$	230			$	77			$	5,849
Watch			—				—				—				—				—				—				—
Substandard			—				—				15				—				—				—				15
Total		$	2,184			$	1,376			$	1,222			$	775			$	230			$	77			$	5,864
Current period charge-offs		$	(9	)		$	—			$	—			$	—			$	—			$	—			$	(9	)
Current period recoveries		$	4			$	—			$	—			$	—			$	—			$	—			$	4
Total Loans
Pass		$	67,913			$	79,757			$	114,171			$	137,112			$	74,211			$	145,697			$	618,861
Watch			—				34				274				219				—				57				584
Substandard			—				377				3,082				506				934				1,094				5,993
Total		$	67,913			$	80,168			$	117,527			$	137,837			$	75,145			$	146,848			$	625,438

June 30, 2025
Risk Rating		2025				2024				2023				2022				2021				Prior Years				Total
One- to Four-Family
Pass		$	16,760			$	23,826			$	32,946			$	45,173			$	19,879			$	40,102			$	178,686
Watch			—				—				—				—				51				40				91
Substandard			—				—				—				3				5				194				202
Total		$	16,760			$	23,826			$	32,946			$	45,176			$	19,935			$	40,336			$	178,979
Current period charge-offs		$	—			$	—			$	—			$	—			$	—			$	(79	)		$	(79	)
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	2			$	2
Multi-Family
Pass		$	4,517			$	15,648			$	10,379			$	39,148			$	19,827			$	36,383			$	125,902
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				225				225
Total		$	4,517			$	15,648			$	10,379			$	39,148			$	19,827			$	36,608			$	126,127
Current period charge-offs		$	—			$	(350	)		$	—			$	—			$	—			$	—			$	(350	)
Current period recoveries		$	—			$	220			$	—			$	—			$	—			$	—			$	220
Commercial Real Estate
Pass		$	9,649			$	14,724			$	26,490			$	50,471			$	28,946			$	69,788			$	200,068
Watch			—				—				—				—				135				—				135
Substandard			—				—				—				—				846				501				1,347
Total		$	9,649			$	14,724			$	26,490			$	50,471			$	29,927			$	70,289			$	201,550
Home Equity Line of Credit
Pass		$	1,004			$	2,884			$	1,851			$	1,616			$	1,230			$	1,902			$	10,487
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—
Total		$	1,004			$	2,884			$	1,851			$	1,616			$	1,230			$	1,902			$	10,487
Construction
Pass		$	2,165			$	8,574			$	12,062			$	123			$	—			$	3			$	22,927
Watch			—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—
Total		$	2,165			$	8,574			$	12,062			$	123			$	—			$	3			$	22,927
Commercial Business
Pass		$	10,266			$	23,374			$	31,068			$	4,070			$	5,209			$	14,493			$	88,480
Watch			—				—				—				—				—				—				—
Substandard			—				—				3,355				3				197				1,926				5,481
Total		$	10,266			$	23,374			$	34,423			$	4,073			$	5,406			$	16,419			$	93,961
Current period charge-offs		$	—			$	(50	)		$	—			$	—			$	—			$	—			$	(50	)
Current period recoveries		$	—			$	50			$	—			$	—			$	—			$	63			$	113
Consumer
Pass		$	1,489			$	1,583			$	1,430			$	883			$	304			$	149			$	5,838
Watch			—				—				—				—				—				—				—
Substandard			—				—				17				—				—				—				17
Total		$	1,489			$	1,583			$	1,447			$	883			$	304			$	149			$	5,855
Current period charge-offs		$	(28	)		$	(41	)		$	—			$	(1	)		$	—			$	—			$	(70	)
Current period recoveries		$	7			$	13			$	—			$	—			$	—			$	—			$	20
Total Loans
Pass		$	45,850			$	90,613			$	116,226			$	141,484			$	75,395			$	162,820			$	632,388
Watch			—				—				—				—				186				40				226
Substandard			—				—				3,372				6				1,048				2,846				7,272
Total		$	45,850			$	90,613			$	119,598			$	141,490			$	76,629			$	165,706			$	639,886

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				Greater Than 90 Days				Total Past Due				Current				Total Loans Receivable				Total Loans > 90 Days & Accruing
September 30, 2025:
Real estate loans:
One- to four-family		$	636			$	479			$	254			$	1,369			$	180,248			$	181,617			$	—
Multi-family			113				—				—				113				118,205				118,318				—
Commercial			583				415				626				1,624				194,398				196,022				—
Home equity lines of credit			14				—				—				14				10,345				10,359				—
Construction			—				—				—				—				20,015				20,015				—
Commercial			20				—				122				142				93,101				93,243				—
Consumer			8				62				—				70				5,794				5,864				—
Total		$	1,374			$	956			$	1,002			$	3,332			$	622,106			$	625,438			$	—

		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, 2025:
Real estate loans:
One- to four-family		$	866			$	307			$	29			$	1,202			$	177,777			$	178,979			$	29
Multi-family			25				—				—				25				126,102				126,127				—
Commercial			1,049				249				—				1,298				200,252				201,550				—
Home equity lines of credit			—				—				—				—				10,487				10,487				—
Construction			—				—				—				—				22,927				22,927				—
Commercial			256				300				—				556				93,405				93,961				—
Consumer			56				—				17				73				5,782				5,855				—
Total		$	2,252			$	856			$	46			$	3,154			$	636,732			$	639,886			$	29

Nonaccrual with no Allowance for Credit Losses and Nonaccrual Loans

The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated for which no allowance was recorded at September 30, 2025 and June 30, 2025:

		September 30, 2025								June 30, 2025
		Nonaccrual with no Allowance for Credit Losses				Nonaccrual				Nonaccrual with no Allowance for Credit Losses				Nonaccrual
Mortgages on real estate:
One- to four-family		$	254			$	254			$	—			$	—
Multi-family			—				—				—				—
Commercial			626				626				—				—
Home equity lines of credit			—				—				—				—
Construction loans			—				—				—				—
Commercial business loans			—				—				—				—
Consumer loans			—				15				—				17
Total		$	880			$	895			$	—			$	17

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-Topic 326
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-Section 50
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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
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