The following tables present the balance of the allowance for credit losses (“ACL”) at June 30, 2025 and 2024. The balance of the ACL is based on the CECL methodology, as noted above. The tables identify the valuation allowances attributable to specifically identified impairments on individually analyzed loans, including those acquired with deteriorated credit quality, as well as valuation allowances for impairments on loans collectively evaluated. The tables include the underlying balance of loans receivable applicable to each category as of those dates.


	Allowance for Credit Losses June 30, 2025
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total allowance for credit losses
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	1,377	$	23,529	$	24,906
Nonresidential mortgage	—		20		—		6,918		6,938
Commercial business	—		23		971		1,434		2,428
Construction	—		—		—		1,155		1,155
One- to four-family residential mortgage	34		87		60		9,999		10,180
Home equity loans	11		—		32		447		490
Other consumer	—		—		—		94		94
Total loans	$	45	$	130	$	2,440	$	43,576	$	46,191


	Balance of Loans Receivable June 30, 2025
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total loans
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	30,857	$	2,678,797	$	2,709,654
Nonresidential mortgage	240		1,405		5,523		979,388		986,556
Commercial business	—		1,093		2,223		135,439		138,755
Construction	—		5,735		—		171,978		177,713
One- to four-family residential mortgage	614		3,551		5,936		1,738,490		1,748,591
Home equity loans	21		—		183		50,533		50,737
Other consumer	—		—		—		2,533		2,533
Total loans	$	875	$	11,784	$	44,722	$	5,757,158	$	5,814,539
Unaccreted yield adjustments									(1,602)
Loans receivable, net of yield adjustments									$	5,812,937


	Allowance for Credit Losses June 30, 2024
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total allowance for credit losses
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	—	$	24,125	$	24,125
Nonresidential mortgage	—		31		517		5,577		6,125
Commercial business	—		6		228		1,339		1,573
Construction	—		—		—		1,230		1,230
One- to four-family residential mortgage	9		95		108		11,249		11,461
Home equity loans	—		—		—		349		349
Other consumer	—		—		—		76		76
Total loans	$	9	$	132	$	853	$	43,945	$	44,939


	Balance of Loans Receivable June 30, 2024
	Loans acquired with deteriorated credit quality individually analyzed		Loans acquired with deteriorated credit quality collectively evaluated		Loans individually analyzed		Loans collectively evaluated		Total loans
	(In Thousands)
Multi-family mortgage	$	—	$	—	$	22,591	$	2,623,260	$	2,645,851
Nonresidential mortgage	284		2,145		9,539		936,107		948,075
Commercial business	—		2,794		714		139,239		142,747
Construction	—		5,735		—		203,502		209,237
One- to four-family residential mortgage	1,276		3,431		5,429		1,745,915		1,756,051
Home equity loans	24		—		20		44,060		44,104
Other consumer	—		—		—		2,685		2,685
Total loans	$	1,584	$	14,105	$	38,293	$	5,694,768	$	5,748,750
Unaccreted yield adjustments									(15,963)
Loans receivable, net of yield adjustments									$	5,732,787


	Changes in the Allowance for Credit Losses Year Ended June 30, 2025
	Balance at June 30, 2024		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2025
	(In Thousands)
Multi-family mortgage	$	24,125	$	—	$	—	$	781	$	24,906
Nonresidential mortgage	6,125		(830)		—		1,643		6,938
Commercial business	1,573		(295)		20		1,130		2,428
Construction	1,230		—		—		(75)		1,155
One- to four-family residential mortgage	11,461		(2)		2		(1,281)		10,180
Home equity loans	349		(2)		—		143		490
Other consumer	76		(7)		—		25		94
Total loans	$	44,939	$	(1,136)	$	22	$	2,366	$	46,191


	Changes in the Allowance for Credit Losses Year Ended June 30, 2024
	Balance at June 30, 2023		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2024
	(In Thousands)
Multi-family mortgage	$	26,362	$	(398)	$	—	$	(1,839)	$	24,125
Nonresidential mortgage	8,953		(5,975)		120		3,027		6,125
Commercial business	1,440		(3,866)		22		3,977		1,573
Construction	1,336		—		—		(106)		1,230
One- to four-family residential mortgage	10,237		(37)		113		1,148		11,461
Home equity loans	338		—		—		11		349
Other consumer	68		—		—		8		76
Total loans	$	48,734	$	(10,276)	$	255	$	6,226	$	44,939


	Changes in the Allowance for Loan Credit Year Ended June 30, 2023
	Balance at June 30, 2022		Charge-offs		Recoveries		Provision for (reversal of) credit losses		Balance at June 30, 2023
	(In Thousands)
Multi-family mortgage	$	25,321	$	(493)	$	—	$	1,534	$	26,362
Nonresidential mortgage	10,590		(39)		—		(1,598)		8,953
Commercial business	1,792		(364)		29		(17)		1,440
Construction	1,486		—		—		(150)		1,336
One- to four-family residential mortgage	7,540		—		2		2,695		10,237
Home equity loans	245		—		—		93		338
Other consumer	84		—		55		(71)		68
Total loans	$	47,058	$	(896)	$	86	$	2,486	$	48,734