Loans Receivable (Tables)

3 Months Ended

Sep. 30, 2026

Loans Receivable [Abstract]

Loans Receivable

Loans receivable are summarized as follows:

		September, 2026				June 30, 2026
		(In Thousands)
Loans Secured by Mortgages on Real Estate
One-to-Four Family Residential		$	160,407			$	164,214
Commercial			142,751				141,002
Multi-Family Residential			35,506				30,641
Land			34,154				34,825
Construction			31,117				25,435
Equity and Second Mortgage			3,074				3,177
Equity Lines of Credit			23,207				21,657

Total Mortgage Loans			430,216				420,951

Commercial Loans			57,832				58,866
Consumer Loans
Loans on Savings Accounts			1,074				436
Other Consumer Loans			198				247

Total Consumer Loans			1,272				683
Total Loans			489,320				480,500

Less: Allowance for Credit Losses			(4,902	)			(4,926	)
Unamortized Loan Fees			(86	)			(83	)

Net Loans Receivable		$	484,332			$	475,491

Designated Internal Risk Categories by Portfolio Segment and Loan Class

The following tables summarize designated internal risk categories by portfolio segment and loan class, by origination year, as of September 30, 2026

		Term Loans Amortized Cost by Origination Year																								Revolving Lines
As of September 30, 2026		2026				2025				2024				2023				2022				Prior				Revolving Lines				Total
		(In Thousands)
One-to-four family residential
Risk rating
Pass		$	14,125			$	14,232			$	12,708			$	34,280			$	28,497			$	51,560			$	-			$	155,402
Pass watch			-				71				806				385				509				1,407				-				3,178
Special mention			-				-				229				-				-				862				-				1,091
Substandard		$	-			$	-			$	153			$	181			$	194			$	208			$	-			$	736
Total one-to-four family residential		$	14,125			$	14,303			$	13,896			$	34,846			$	29,200			$	54,037			$	-			$	160,407
Current period gross charge-offs			-				-				-				-				-				-				-				-

Commercial
Risk rating
Pass		$	18,688			$	24,423			$	5,845			$	8,984			$	20,436			$	56,710			$	-			$	135,086
Pass watch			-				-				71				-				5,348				101				-				5,520
Special mention			-				-				-				99				2,032				-				-				2,131
Substandard			-				-				-				-				14				-				-				14
Total commercial		$	18,688			$	24,423			$	5,916			$	9,083			$	27,830			$	56,811			$	-			$	142,751
Current period gross charge-offs		$	-			$	435			$	12			$	-			$	-			$	-			$	-			$	447

Multi-family residential
Risk rating
Pass		$	6,040			$	7,461			$	-			$	-			$	316			$	14,659			$	-			$	28,476
Pass watch			-				-				1,108				1,787				-				4,135				-				7,030
Total multi-family residential		$	6,040			$	7,461			$	1,108			$	1,787			$	316			$	18,794			$	-			$	35,506
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Land
Risk rating
Pass		$	5,137			$	9,945			$	2,111			$	1,745			$	3,230			$	11,986			$	-			$	34,154
Total land		$	5,137			$	9,945			$	2,111			$	1,745			$	3,230			$	11,986			$	-			$	34,154
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Construction
Risk rating
Pass		$	6,385			$	19,036			$	5,260			$	-			$	-			$	436			$	-			$	31,117
Total construction		$	6,385			$	19,036			$	5,260			$	-			$	-			$	436			$	-			$	31,117
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		Term Loans Amortized Cost by Origination Year																								Revolving Lines
As of September 30, 2026		2026				2025				2024				2023				2022				Prior				Revolving Lines				Total
		(In Thousands)
Equity loans and lines of credit and second mortgage
Risk rating
Pass		$	442			$	551			$	526			$	357			$	589			$	383			$	22,911			$	25,759
Special mention			-				-				-				84				-				-				71				155
Substandard			-				-				-				142				-				-				225				367
Total home equity and lines of credit and second mortgage		$	442			$	551			$	526			$	583			$	589			$	383			$	23,207			$	26,281
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial Loans
Risk rating
Pass		$	13,763			$	10,892			$	14,599			$	5,270			$	1,544			$	10,787			$	-			$	56,855
Pass watch			10				-				558				6				294				-				-				868
Special mention			-				-				-				105				-				-				-				105
Substandard			-				-				-				-				-				4				-				4
Total commercial loans		$	13,773			$	10,892			$	15,157			$	5,381			$	1,838			$	10,791			$	-			$	57,832
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Consumer Loans
Risk rating
Pass		$	845			$	139			$	138			$	32			$	37			$	78			$	-			$	1,269
Substandard			-				-				-				3				-				-				-				3
Total consumer loans		$	845			$	139			$	138			$	35			$	37			$	78			$	-			$	1,272
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Total
Risk rating
Pass		$	65,425			$	86,679			$	41,187			$	50,668			$	54,649			$	146,599			$	22,911			$	468,118
Pass watch			10				71				2,543				2,178				6,151				5,643				-				16,596
Special mention			-				-				229				288				2,032				862				71				3,482
Substandard			-				-				153				326				208				212				225				1,124
Total		$	65,435			$	86,750			$	44,112			$	53,460			$	63,040			$	153,316			$	23,207			$	489,320
Current period gross charge-offs		$	-			$	435			$	12			$	-			$	-			$	-			$	-			$	447

The following tables summarize designated internal risk categories by portfolio segment and loan class, by origination year, as of June 30, 2026:

		Term Loans Amortized Cost by Origination Year																								Revolving Lines
As of June 30, 2026		2026				2025				2024				2023				2022				Prior				Revolving Lines				Total
		(In Thousands)
One-to-four family residential
Risk rating
Pass		$	8,265			$	15,620			$	13,051			$	34,844			$	30,024			$	55,262			$	-			$	157,066
Pass watch			-				72				1,421				390				755				1,393				-				4,031
Special mention			-				-				-				-				-				841				-				841
Substandard			-				578				554				183				752				209				-				2,276
Total One-to-four family residential		$	8,265			$	16,270			$	15,026			$	35,417			$	31,531			$	57,705			$	-			$	164,214
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial
Risk rating
Pass		$	12,343			$	24,819			$	5,919			$	9,152			$	21,632			$	59,263			$	-			$	133,128
Pass watch			-				-				74				98				5,383				103				-				5,658
Special mention			-				-				-				-				2,052				150				-				2,202
Substandard			-				-				-				-				14				-				-				14
Total commercial		$	12,343			$	24,819			$	5,993			$	9,250			$	29,081			$	59,516			$	-			$	141,002
Current period gross charge-offs		$	-			$	-			$	-			$	60			$	-			$	145			$	-			$	205

Multi-family residential
Risk rating
Pass		$	-			$	6,969			$	-			$	1,801			$	319			$	16,286			$	-			$	25,375
Pass watch			-				-				1,112				-				-				4,154				-				5,266
Total multi-family residential		$	-			$	6,969			$	1,112			$	1,801			$	319			$	20,440			$	-			$	30,641
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Land
Risk rating
Pass		$	4,415			$	9,846			$	2,308			$	1,737			$	3,331			$	13,031			$	-			$	34,668
Pass watch			-				157				-				-				-				-				-				157
Total land		$	4,415			$	10,003			$	2,308			$	1,737			$	3,331			$	13,031			$	-			$	34,825
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	10			$	-			$	-			$	10

Construction
Risk rating
Pass		$	1,746			$	17,896			$	5,113			$	580			$	-			$	100			$	-			$	25,435
Total construction		$	1,746			$	17,896			$	5,113			$	580			$	-			$	100			$	-			$	25,435
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		Term Loans Amortized Cost by Origination Year																								Revolving Lines
As of June 30, 2026		2026				2025				2024				2023				2022				Prior				Revolving Lines				Total
		(In Thousands)
Equity loans and lines of credit
Risk rating
Pass		$	444			$	559			$	538			$	415			$	599			$	394			$	21,361			$	24,310
Pass watch			-				-				-				-				-				-				-				-
Special mention			-				-				-				86				-				-				71				157
Substandard			-				-				-				142				-				-				225				367
Total home equity and lines of credit		$	444			$	559			$	538			$	643			$	599			$	394			$	21,657			$	24,834
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial Loans
Risk rating
Pass		$	9,235			$	9,460			$	14,841			$	4,410			$	1,906			$	13,516			$	-			$	53,368
Pass watch			623				1,827				1,080				1,500				317				-				-				5,347
Special mention			-				-				-				146				-				-				-				146
Substandard			-				-				-				-				-				5				-				5
Total commercial loans		$	9,858			$	11,287			$	15,921			$	6,056			$	2,223			$	13,521			$	-			$	58,866
Current period gross charge-offs		$	-			$	-			$	-			$	-			$	16			$	-			$	-			$	16

Consumer Loans
Risk rating
Pass		$	124			$	169			$	187			$	50			$	43			$	106			$	-			$	679
Substandard			-				-				-				4				-				-				-				4
Total consumer loans		$	124			$	169			$	187			$	54			$	43			$	106			$	-			$	683
Current period gross charge-offs		$	-			$	1			$	23			$	1			$	-			$	-			$	-			$	25

Total
Risk rating
Pass		$	36,572			$	85,338			$	41,957			$	52,989			$	57,854			$	157,958			$	21,361			$	454,029
Pass watch			623				2,056				3,687				1,988				6,455				5,650				-				20,459
Special mention			-				-				-				232				2,052				991				71				3,346
Substandard			-				578				554				329				766				214				225				2,666
Total		$	37,195			$	87,972			$	46,198			$	55,538			$	67,127			$	164,813			$	21,657			$	480,500
Current period gross charge-offs		$	-			$	1			$	23			$	61			$	26			$	145			$	-			$	256

Aging Analysis of Past Due Loans Segregated by Class of Loans

The following tables present an aging analysis of past due loans, segregated by class of loans, as of September 30, 2026 and June 30, 2026:

September 30, 2026		30-59 Days Past Due				60-89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans Receivable				Recorded Investment > 90 Days and Accruing
		(In Thousands)
Real Estate Loans:
One-to-Four Family Residential		$	537			$	1,713			$	633			$	2,883			$	157,524			$	160,407			$	-
Commercial			99				-				14				113				142,638				142,751				-
Multi-Family Residential			-				-				-				0				35,506				35,506				-
Land			-				24				-				24				34,130				34,154				-
Construction			-				-				-				0				31,117				31,117				-
Equity and Second Mortgage			-				-				142				142				2,932				3,074				-
Equity Lines of Credit			26				-				225				251				22,956				23,207				-
Commercial Loans			24				4				-				28				57,804				57,832				-
Consumer Loans			-				-				-				0				1,272				1,272				-
Total		$	686			$	1,741			$	1,014			$	3,441			$	485,879			$	489,320			$	-

June 30, 2026		30-59 Days Past Due				60-89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans Receivable				Recorded Investment > 90 Days and Accruing
		(In Thousands)
Real Estate Loans:
One-to-Four Family Residential		$	780			$	389			$	2,607			$	3,776			$	160,438			$	164,214			$	453
Commercial			14				-				-				14				140,988				141,002				-
Multi-Family Residential			-				-				-				0				30,641				30,641				-
Land			-				-				-				0				34,825				34,825				-
Construction			-				-				-				0				25,435				25,435				-
Equity and Second Mortgage			-				-				142				142				3,035				3,177				-
Equity Lines of Credit			-				-				225				225				21,432				21,657				-
Commercial Loans			205				-				-				205				58,661				58,866				-
Consumer Loans			15				-				-				15				668				683				-
Total		$	1,014			$	389			$	2,974			$	4,377			$	476,123			$	480,500			$	453

Allowance for Credit Losses and Recorded Investment in Loans

The change in the allowance for credit losses by loan portfolio class and recorded investment in loans for the three months ended September 30, 2026 and year ended June 30, 2026 was as follows:

		Real Estate Loans
		1-4 Family Residential				Commercial				Multi- Family				Land				Construction				Home Equity Loans and Lines of Credit				Commercial Loans				Consumer Loans				Total
		(In Thousands)
Allowance for credit losses:
Beginning Balances		$	2,349			$	1,277			$	108			$	248			$	195			$	190			$	541			$	18			$	4,926
Charge-Offs			-				(447	)			-				-				-				-				-				-				(447	)
Recoveries			1				140				-				1				-				1				2				3				148
Current Provision			(544	)			355				88				84				126				111				32				23				275
Ending Balances		$	1,806			$	1,325			$	196			$	333			$	321			$	302			$	575			$	44			$	4,902

		Real Estate Loans
		1-4 Family Residential				Commercial				Multi- Family				Land				Construction				Home Equity Loans and Lines of Credit				Commercial Loans				Consumer Loans				Total
		(In Thousands)
Allowance for credit losses:
Beginning Balances		$	2,202			$	1,202			$	113			$	165			$	74			$	182			$	538			$	8			$	4,484
Charge-Offs			-				(205	)			-				(10	)			-				-				(16	)			(25	)			(256	)
Recoveries			6				60				-				2				-				22				2				12				104
Current Provision			141				220				(5	)			91				121				(14	)			17				23				594
Ending Balances		$	2,349			$	1,277			$	108			$	248			$	195			$	190			$	541			$	18			$	4,926

Loans Individually Evaluated for Impairment Segregated by Class of Loans

The following table presents loans individually evaluated for impairment, segregated by class of loans, as of September 30, 2026 and June 30, 2026:

		September 30, 2026								June 30, 2026
		Loan Balance				Specific Allocations				Loan Balance				Specific Allocations
		(In Thousands)
Real Estate Loans:
One-to-Four Family Residential		$	1,815			$	53			$	3,364			$	505
Commercial			14				-				20				-
Land			77				3				79				3
Home Equity Loans and Lines of Credit			367				57				367				6
Commercial Loans			4				-				5				-

Total		$	2,277			$	113			$	3,835			$	514