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LOANS RECEIVABLE - Loan Portfolio by Credit Quality Classification and Origination Year (Details) - USD ($) $ in Thousands | Sep. 30, 2025 | Dec. 31, 2024
--- | --- | ---
Loans |  |
2025/2024 | $ 9,146 | $ 19,025
2024/2023 | 19,254 | 11,653
2023/2022 | 11,068 | 15,519
2022/2021 | 14,602 | 5,875
2021/2020 | 4,483 | 6,374
Prior | 60,428 | 61,202
Line-of-credit Arrangements | 28,635 | 40,883
Line-of-credit Arrangements Converted to Term Loans | 17,151 | 6,545
Total | 164,767 | 167,076
Pass |  |
Loans |  |
2025/2024 | 8,149 | 18,776
2024/2023 | 18,619 | 11,632
2023/2022 | 11,058 | 15,417
2022/2021 | 13,708 | 5,378
2021/2020 | 4,117 | 6,337
Prior | 58,118 | 58,828
Line-of-credit Arrangements | 28,391 | 40,883
Line-of-credit Arrangements Converted to Term Loans | 17,151 | 6,545
Total | 159,311 | 163,796
Special Mention |  |
Loans |  |
2025/2024 | 19 |
2023/2022 |  | 102
2022/2021 | 98 | 376
2021/2020 | 366 |
Line-of-credit Arrangements | 244 |
Total | 727 | 478
Substandard |  |
Loans |  |
2025/2024 | 978 | 249
2024/2023 | 635 | 21
2023/2022 | 10 |
2022/2021 | 796 | 121
2021/2020 |  | 37
Prior | 2,310 | 2,374
Total | 4,729 | 2,802
One- to four-family residential |  |
Loans |  |
2025/2024 | 2,375 | 2,277
2024/2023 | 3,716 | 2,723
2023/2022 | 3,772 | 12,205
2022/2021 | 11,826 | 3,110
2021/2020 | 2,545 | 2,755
Prior | 49,474 | 52,543
Line-of-credit Arrangements | 2,255 | 2,488
Line-of-credit Arrangements Converted to Term Loans | 2,410 | 2,996
Total | 78,373 | 81,097
One- to four-family residential | Pass |  |
Loans |  |
2025/2024 | 2,375 | 2,255
2024/2023 | 3,695 | 2,702
2023/2022 | 3,762 | 12,205
2022/2021 | 11,826 | 3,054
2021/2020 | 2,491 | 2,731
Prior | 47,219 | 50,193
Line-of-credit Arrangements | 2,011 | 2,488
Line-of-credit Arrangements Converted to Term Loans | 2,410 | 2,996
Total | 75,789 | 78,624
One- to four-family residential | Special Mention |  |
Loans |  |
2022/2021 |  | 56
2021/2020 | 54 |
Line-of-credit Arrangements | 244 |
Total | 298 | 56
One- to four-family residential | Substandard |  |
Loans |  |
2025/2024 |  | 22
2024/2023 | 21 | 21
2023/2022 | 10 |
2021/2020 |  | 24
Prior | 2,255 | 2,350
Total | 2,286 | 2,417
Commercial real estate |  |
Loans |  |
2025/2024 | 1,749 | 3,403
2024/2023 | 4,409 | 4,691
2023/2022 | 4,922 | 1,831
2022/2021 | 1,537 | 1,390
2021/2020 | 1,122 | 3,236
Prior | 8,075 | 5,673
Line-of-credit Arrangements | 82 |
Line-of-credit Arrangements Converted to Term Loans | 11,783 | 1,884
Total | 33,679 | 22,108
Commercial real estate | Pass |  |
Loans |  |
2025/2024 | 1,749 | 3,176
2024/2023 | 4,187 | 4,691
2023/2022 | 4,922 | 1,729
2022/2021 | 1,439 | 1,070
2021/2020 | 810 | 3,236
Prior | 8,041 | 5,673
Line-of-credit Arrangements | 82 |
Line-of-credit Arrangements Converted to Term Loans | 11,783 | 1,884
Total | 33,013 | 21,459
Commercial real estate | Special Mention |  |
Loans |  |
2023/2022 |  | 102
2022/2021 | 98 | 320
2021/2020 | 312 |
Total | 410 | 422
Commercial real estate | Substandard |  |
Loans |  |
2025/2024 |  | 227
2024/2023 | 222 |
Prior | 34 |
Total | 256 | 227
Construction and land |  |
Loans |  |
2025/2024 | 479 | 1,731
2024/2023 | 196 | 48
2023/2022 |  | 102
2022/2021 | 99 | 172
2021/2020 | 48 | 66
Prior | 303 | 371
Line-of-credit Arrangements | 17,725 | 30,451
Total | 18,850 | 32,941
Construction and land | Pass |  |
Loans |  |
2025/2024 | 368 | 1,731
2024/2023 | 196 | 48
2023/2022 |  | 102
2022/2021 | 99 | 51
2021/2020 | 48 | 53
Prior | 282 | 347
Line-of-credit Arrangements | 17,725 | 30,451
Total | 18,718 | 32,783
Construction and land | Substandard |  |
Loans |  |
2025/2024 | 111 |
2022/2021 |  | 121
2021/2020 |  | 13
Prior | 21 | 24
Total | 132 | 158
Multi-family residential |  |
Loans |  |
2022/2021 |  | 470
2021/2020 | 470 |
Prior | 1,939 | 2,100
Line-of-credit Arrangements Converted to Term Loans | 2,958 |
Total | 5,367 | 2,570
Multi-family residential | Pass |  |
Loans |  |
2022/2021 |  | 470
2021/2020 | 470 |
Prior | 1,939 | 2,100
Line-of-credit Arrangements Converted to Term Loans | 2,958 |
Total | 5,367 | 2,570
Commercial and industrial |  |
Loans |  |
2025/2024 | 2,763 | 11,095
2024/2023 | 10,651 | 3,640
2023/2022 | 2,093 | 1,142
2022/2021 | 975 | 429
2021/2020 | 168 | 243
Prior | 442 | 281
Line-of-credit Arrangements | 8,573 | 7,944
Line-of-credit Arrangements Converted to Term Loans |  | 1,665
Total | 25,665 | 26,439
Commercial and industrial | Pass |  |
Loans |  |
2025/2024 | 1,877 | 11,095
2024/2023 | 10,259 | 3,640
2023/2022 | 2,093 | 1,142
2022/2021 | 179 | 429
2021/2020 | 168 | 243
Prior | 442 | 281
Line-of-credit Arrangements | 8,573 | 7,944
Line-of-credit Arrangements Converted to Term Loans |  | 1,665
Total | 23,591 | 26,439
Commercial and industrial | Special Mention |  |
Loans |  |
2025/2024 | 19 |
Total | 19 |
Commercial and industrial | Substandard |  |
Loans |  |
2025/2024 | 867 |
2024/2023 | 392 |
2022/2021 | 796 |
Total | 2,055 |
Consumer |  |
Loans |  |
2025/2024 | 1,780 | 519
2024/2023 | 282 | 551
2023/2022 | 281 | 239
2022/2021 | 165 | 304
2021/2020 | 130 | 74
Prior | 195 | 234
Total | 2,833 | 1,921
Consumer | Pass |  |
Loans |  |
2025/2024 | 1,780 | 519
2024/2023 | 282 | 551
2023/2022 | 281 | 239
2022/2021 | 165 | 304
2021/2020 | 130 | 74
Prior | 195 | 234
Total | $ 2,833 | $ 1,921

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