(In thousands)

June 30, 2025

June 30, 2024

Outstanding related party loans at July 1,

$

1,978

$

2,078

New loans

-

-

Draws

-

-

Transfers

-

-

Repayments

(102

)

(100

)

Outstanding related party loans at June 30,

$

1,876

$

1,978

(In thousands)

Residential 1-4 Family

Multifamily

Second Mortgages and Home Equity Lines of Credit

Construction

Commercial Real Estate

Consumer

Home Improvement

Unallocated

Total

Allowance for credit losses for loans

Balance at June 30, 2024

$

1,043

$

191

$

18

$

-

$

240

$

1

$

60

$

-

$

1,553

Provision (benefit) for credit losses

(15

)

17

34

-

(39

)

-

(3

)

-

(6

)

Balance at June 30, 2025

$

1,028

$

208

$

52

$

-

$

201

$

1

$

57

$

-

$

1,547

Allowance for credit losses for off-balance sheet exposures

Balance at June 30, 2024

$

5

$

26

$

-

$

-

$

-

$

-

$

-

$

-

$

31

Provision (benefit) for credit losses

(1

)

(2

)

-

-

-

-

-

-

(3

)

Balance at June 30, 2025

$

4

$

24

$

-

$

-

$

-

$

-

$

-

$

-

$

28

Allowance for credit losses for loans

Balance at June 30, 2023

$

974

$

190

$

29

$

-

$

346

$

-

$

64

$

144

$

1,747

Adoption of ASU 2016-13(1)

139

2

23

-

(19

)

2

9

(144

)

12

Adjusted beginning balance

$

1,113

$

192

$

52

$

-

$

327

$

2

$

73

$

-

$

1,759

Provision (benefit) for credit losses

(70

)

(1

)

(34

)

-

(87

)

2

(13

)

-

(203

)

Loans charged-off

-

-

-

-

-

(3

)

-

-

(3

)

Balance at June 30, 2024

$

1,043

$

191

$

18

$

-

$

240

$

1

$

60

$

-

$

1,553

Allowance for credit losses for off-balance sheet exposures

Balance at June 30, 2023

$

-

$

-

$

-

$

-

$

-

$

-

$

-

$

-

$

-

Adoption of ASU 2016-13

5

7

-

-

7

4

-

-

23

Adjusted beginning balance

$

5

$

7

$

-

$

-

$

7

$

4

$

-

$

-

$

23

Provision (benefit) for credit losses

-

19

-

-

(7

)

(4

)

-

-

8

Balance at June 30, 2024

$

5

$

26

$

-

$

-

$

-

$

-

$

-

$

-

$

31

Term Loans at Amortized Cost by Fiscal Origination Year

Revolving Loans

(In thousands)

2025

2024

2023

2022

2021

Prior

Amortized Cost

Total

Balance at June 30, 2025

Residential 1-4 family:

Pass

$

18,256

$

6,820

$

10,515

$

27,606

$

15,776

$

61,948

$

-

$

140,921

Substandard

-

-

-

-

-

1,352

-

1,352

Total residential 1-4 family

18,256

6,820

10,515

27,606

15,776

63,300

-

142,273

Multifamily:

Pass

2,474

688

376

4,075

2,915

5,287

547

16,362

Total multifamily

2,474

688

376

4,075

2,915

5,287

547

16,362

Second mortgages and home equity lines of credit:

Pass

604

1,487

539

51

197

286

1,031

4,195

Total second mortgages and home equity lines of credit

604

1,487

539

51

197

286

1,031

4,195

Commercial:

Pass

-

2,859

8,095

647

155

2,537

-

14,293

Total commercial

-

2,859

8,095

647

155

2,537

-

14,293

Consumer:

Pass

32

22

-

-

-

27

-

81

Total consumer

32

22

-

-

-

27

-

81

Home improvement:

Pass

386

258

305

265

244

99

-

1,557

Total home improvement

386

258

305

265

244

99