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LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Allowance for credit losses (Details) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2020 USD ($) borrower | Sep. 30, 2019 USD ($) borrower | Dec. 31, 2019 USD ($)
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES |  |  |
Average loans | $ 281,773 | $ 293,958 |
Net charge-offs to average loans (annualized) | 0.07% | 0.14% |
Number of borrowers | borrower | 30 | 47 |
Loans charged off | $ 277 | $ 519 | $ 616
Outstanding commitments | 33,100 | 34,600 |
Unfunded commitments |  |  |
Beginning balance | 37 | 35 | 35
Reduction of unfunded reserve | (8) | (23) |
Provisions charged to operations |  | 25 |
Ending balance | $ 29 | $ 37 | $ 37

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- Definition The Average of Loans and Leases Receivable Net of Deferred Income. + References No definition available. + Details
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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=121599337&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=121611835&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=121647567&loc=SL82922352-210448 + 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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