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LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Allowance for credit losses (Details) $ in Thousands | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2020 USD ($) borrower | Jun. 30, 2019 USD ($) borrower | Dec. 31, 2019 USD ($)
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES |  |  |
Average loans | $ 284,168 | $ 295,425 |
Net charge-offs to average loans (annualized) | 0.02% | 0.24% |
Number of borrowers | borrower | 20 | 39 |
Loans charged off | $ 171 | $ 435 | $ 616
Outstanding commitments | 31,800 | 25,300 |
Unfunded commitments |  |  |
Beginning balance | 37 | 35 | 35
Reduction of unfunded reserve |  | (23) |
Provisions charged to operations | 60 |  |
Ending balance | $ 97 | $ 12 | $ 37

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- Definition Net Charge Offs to Average Loans and Leases Receivables as a percentage + References No definition available. + Details
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- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922352-210448 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
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- Definition Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions. + References No definition available. + Details
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