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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details)
 3 Months Ended 12 Months Ended
Mar. 31, 2025
USD ($)
borrower
Mar. 31, 2024
USD ($)
Dec. 31, 2024
USD ($)
Financing Receivable, Allowance for Credit Losses      
Average loans $ 205,868,000 $ 175,914,000  
Net charge-offs to average loans (annualized) 0.01% 0.66%  
Number of borrowers | borrower 4    
Loans charged off $ 42,000   $ 384,000
Outstanding commitments 33,700,000 $ 34,600,000  
Increase (Decrease) in outstanding commitments (900,000)    
Term Loans by Origination Year      
Year 3     13,000
Year 4 24,000   299,000
Year 5 6,000   51,000
Prior 12,000   21,000
Total 42,000   384,000
Unfunded commitments      
Beginning balance 584,000 473,000 473,000
Reduction of unfunded reserve (474,000) (15,000)  
Provisions charged to operations   39,000  
Ending balance $ 110,000 $ 497,000 584,000
Real Estate Loan | Single-family Residential      
Financing Receivable, Allowance for Credit Losses      
Number of borrowers | borrower 1    
Commercial and Industrial | Commercial and Industrial      
Financing Receivable, Allowance for Credit Losses      
Loans charged off     299,000
Term Loans by Origination Year      
Year 4     299,000
Total     299,000
Consumer Loans      
Financing Receivable, Allowance for Credit Losses      
Loans charged off $ 42,000   85,000
Term Loans by Origination Year      
Year 3     13,000
Year 4 24,000   0
Year 5 6,000   51,000
Prior 12,000   21,000
Total 42,000   85,000
Consumer Loans | Consumer      
Financing Receivable, Allowance for Credit Losses      
Loans charged off     18,000
Term Loans by Origination Year      
Year 3     13,000
Prior     5,000
Total     18,000
Consumer Loans | Automobile      
Financing Receivable, Allowance for Credit Losses      
Loans charged off 42,000   67,000
Term Loans by Origination Year      
Year 4 24,000    
Year 5 6,000   51,000
Prior 12,000   16,000
Total $ 42,000   $ 67,000