CMS Bancorp 10-Q 12 Feb 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Dec. 31, 2014	Feb. 11, 2015
Document and Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Dec-14
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1
Trading Symbol	cmsb
Entity Registrant Name	CMS Bancorp, Inc.
Entity Central Index Key	1350072
Current Fiscal Year End Date	-21
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		1,862,803
Entity Current Reporting Status	Yes

Consolidated_Statements_Of_Fin

Consolidated Statements Of Financial Condition (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and amounts due from depository institutions	$755	$1,343
Interest-bearing deposits	1,650	1,804
Total cash and cash equivalents	2,405	3,147
Securities available for sale	39,302	39,365
Loans held for sale	0	349
Loans receivable, net of allowance for loan losses of $660 and $740, respectively	218,891	223,786
Other real estate owned	183	183
Premises and equipment	2,522	2,593
Federal Home Loan Bank of New York stock, at cost	1,491	1,150
Accrued interest receivable	992	925
Other assets	2,046	1,846
Total assets	267,832	273,344
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	212,355	226,782
Advances from Federal Home Loan Bank of New York	26,905	18,950
Advance payments by borrowers for taxes and insurance	2,200	1,284
Other liabilities	2,331	2,452
Total liabilities	243,791	249,468
Commitments and Contingencies
Stockholders' equity:
Preferred stock, $.01 par value, 1,000,000 shares authorized, 1,500 shares issued and outstanding (liquidation preference value $1,000 per share)	0	0
Common stock, $.01 par value, authorized shares: 7,000,000; shares issued: 2,055,165; shares outstanding: 1,862,803	21	21
Additional paid-in capital	20,380	20,358
Retained earnings	7,619	7,574
Treasury stock, 192,362 shares	-1,660	-1,660
Unearned Employee Stock Ownership Plan ("ESOP") shares	-1,219	-1,233
Accumulated other comprehensive (loss)	-1,100	-1,184
Total stockholders' equity	24,041	23,876
Total liabilities and stockholders' equity	$267,832	$273,344

Consolidated_Statements_Of_Fin1

Consolidated Statements Of Financial Condition (Parenthetical) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, except Share data, unless otherwise specified
Consolidated Statements Of Financial Condition
Loans receivable, allowance for loan losses	$660	$740
Preferred stock, par value	$0.01	$0.01
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	1,500	1,500
Preferred stock, shares outstanding	1,500	1,500
Preferred Stock, Liquidation Preference Per Share	$1,000	$1,000
Common stock, par value	$0.01	$0.01
Common Stock, Shares Authorized	7,000,000	7,000,000
Common stock, shares issued	2,055,165	2,055,165
Common stock, shares outstanding	1,862,803	1,862,803
Treasury stock, shares	192,362	192,362

Consolidated_Statements_Of_Inc

Consolidated Statements Of Income (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Interest income:
Loans	$2,608	$2,587
Securities	184	182
Other interest-earning assets	14	16
Total interest income	2,806	2,785
Interest expense:
Deposits	381	359
Mortgage escrow funds	6	10
Borrowings, short term	62	5
Borrowings, long term	0	172
Total interest expense	449	546
Net interest income	2,357	2,239
Provision for loan losses	75	100
Net interest income after provision for loan losses	2,282	2,139
Non-interest income:
Fees and service charges	33	41
Net gain on sale of loans	30	40
Other	3	3
Total non-interest income	66	84
Non-interest expense
Salaries and employee benefits	1,059	936
Net occupancy	322	333
Equipment	225	194
Professional fees	343	140
Advertising	19	14
Federal insurance premium	50	54
Directors' fees	35	47
Other	192	160
Total non-interest expenses	2,245	1,878
Income before income taxes	103	345
Income tax expense	35	134
Net income	68	211
Preferred stock dividends	23	23
Net income attributable to common shareholders	$45	$188
Net income per common share - basic and diluted	$0.03	$0.11
Weighted average number of common shares outstanding: Basic	1,740,863	1,735,382
Weighted average number of common shares outstanding: Diluted	1,783,980	1,736,370

Consolidated_Statements_Of_Com

Consolidated Statements Of Comprehensive Income (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Consolidated Statements Of Comprehensive Income
Net income	$68		$211
Other comprehensive income (loss):
Gross unrealized holding gains (losses) on securities available for sale, net of deferred income (tax) benefit of $63 and $115, respectively	97		-176
Retirement plan, net of deferred income tax of $9 and $9	-13	[1]	-14	[1]
Other comprehensive income (loss)	84		-190
Comprehensive income (loss)	$152		$21
[1]	Retirement plan amortization and related income tax are reflected in the consolidated statements of income within the salaries and benefits and income tax expense lines, respectively.

Consolidated_Statements_Of_Com1

Consolidated Statements Of Comprehensive Income (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements Of Comprehensive Income
Gross unrealized holding gains (losses) on securities available for sale, deferred income (tax) benefit	$63	$115
Retirement plan, deferred income tax	$9	$9

Consolidated_Statements_Of_Cas

Consolidated Statements Of Cash Flows (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$68	$211
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment	98	88
Amortization and accretion, net	18	63
Provision for loan losses	75	100
Deferred income taxes	55	100
ESOP expense	14	12
Stock option expense	10	10
Restricted stock award expense	8	9
Net gain on sale of loans	-30	-40
Loans originated for sale	-425	-2,013
Proceeds from sales of loans originated for resale	804	2,390
(Increase) decrease in interest receivable	-67	-48
(Increase) decrease in other assets	-328	-33
(Decrease) increase in accrued interest payable	-52	-33
Increase (decrease) in other liabilities	-69	-111
Net cash provided by operating activities	179	705
Cash flows from investing activities:
Principal repayments and calls on securities available for sale	206	707
Net decrease (increase) in loans receivable	4,820	-5,016
Additions to premises and equipment	-27	-57
(Purchase) and redemption of Federal Home Loan Bank of NY stock, net	-341	5
Net cash (used by) provided by investing activities	4,658	-4,361
Cash flows from financing activities:
Net (decrease) increase in deposits	-14,427	4,389
Net short-term advances (repayments) from Federal Home Loan Bank of N.Y.	12,955	-105
Repayment of long-term advance from Federal Home Loan Bank of N.Y	-5,000	0
Net increase in payments by borrowers for taxes and insurance	916	272
Preferred stock dividends	-23	-23
Net cash provided by (used by) financing activities	-5,579	4,533
Net increase in cash and cash equivalents	-742	877
Cash and cash equivalents-beginning	3,147	2,477
Cash and cash equivalents-ending	2,405	3,354
Supplemental information
Cash paid during the period for: Interest	501	579
Cash paid during the period for: Income taxes	$185	$186

Principles_of_Consolidation

Principles of Consolidation	3 Months Ended
	Dec. 31, 2014
Principles Of Consolidation [Abstract]
Principles of Consolidation	1. Principles of Consolidation
	The consolidated financial statements include the accounts of CMS Bancorp, Inc. (“CMS Bancorp” or the “Company”) and its wholly-owned subsidiary, CMS Bank (the “Bank”). The Company’s business is conducted principally through the Bank. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified in the consolidated financial statements to conform to the current presentation.

Description_of_Business_and_Na

Description of Business and Nature of Operations	3 Months Ended
	Dec. 31, 2014
Description of Business and Nature of Operations [Abstract]
Description of Business and Nature of Operations	2. Description of Business and Nature of Operations
	The Bank was originally chartered in 1887 as Community Savings and Loan, a New York State-chartered savings and loan association. In 1980, it converted to a New York State-chartered savings bank and changed its name to Community Mutual Savings Bank of Southern New York. In 1983, Community Mutual Savings Bank of Southern New York changed its name to Community Mutual Savings Bank. In 2007, the Bank reorganized to a federally-chartered mutual savings bank and simultaneously converted from a federally-chartered mutual savings bank to a federally-chartered stock savings bank, with the concurrent formation of the Company. The Company, a stock holding company for the Bank, conducted a public offering of its common stock in connection with the conversion. After the 2007 conversion and offering, all of the Bank’s stock became owned by the Company. In June 2012, the Bank completed its conversion from a federally-chartered savings bank to a New York state-chartered savings bank after receiving approval from the New York State Department of Financial Services (“NYSDFS”) and non-objection from the Office of the Comptroller of the Currency (“OCC”), and changed its name to CMS Bank. The Company will continue to be regulated as a savings and loan holding company by the Federal Reserve Bank of Philadelphia as long as the Bank continues to meet the requirements to remain a “qualified thrift lender” under the Home Owners’ Loan Act.
	The Bank is a community and customer-oriented retail savings bank offering residential mortgage loans and traditional deposit products and commercial real estate, small business and consumer loans in Westchester County, New York, and the surrounding areas. The Bank also invests in various types of assets, including securities of various government-sponsored enterprises, corporations, municipalities and mortgage-backed securities. The Bank’s revenues are derived principally from interest on loans, interest and dividends received from its investment securities and fees for bank services. The Bank’s primary sources of funds are deposits, scheduled amortization and prepayments of loan principal and mortgage-backed securities, maturities and calls of investment securities, funds provided by operations and borrowings from the Federal Home Loan Bank of New York (“FHLB”).
	In addition to its single class of common stock, the Company also has outstanding Series A Noncumulative Perpetual Preferred Stock (“Series A Preferred Stock”) pursuant to the terms of such preferred stock as set forth in the Certificate of Designations establishing the designations, powers, preferences, limitations, restrictions, and relative rights of the Series A Preferred Stock filed with the Secretary of State of Delaware on May 21, 2013. For additional information on the Series A Preferred Stock, see the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission (“SEC”) on May 24, 2013.  Pursuant to the terms of a pending merger agreement with Putnam County Savings Bank as described below, the Company is required to redeem all outstanding shares of the Series A Preferred Stock immediately prior to closing.
	Pending Merger Agreement with Putnam County Savings Bank
	On September 25, 2014, CMS Bancorp and the Bank entered into an Agreement and Plan of Merger dated as of September 25,
	2014 (“Merger Agreement”) by and among Putnam County Savings Bank, a New York mutual savings bank (“Putnam”), Putnam
	County Acquisition Corporation, (“Acquisition Corporation”), CMS Bancorp and CMS Bank. Under the terms of the Merger Agreement, and subject to the terms and conditions thereof, Putnam will acquire CMS Bancorp and the Bank through a series of transactions by which the Acquisition Corporation will merge with and into CMS Bancorp, immediately thereafter followed by the merger of CMS Bancorp with and into Putnam and the merger of the Bank with and into Putnam, with Putnam as the surviving bank (collectively, the “Merger”). The combined organization will be operated under the name of “Putnam County Savings Bank.”
	Upon effectiveness of the Merger, each share of CMS Bancorp common stock issued and outstanding immediately prior to the effective time of the Merger shall be converted into the right to receive a cash payment of $13.25 per share and each option issued and outstanding immediately prior to the effective time of the Merger shall be cancelled and converted into the right to receive a cash payment in an amount determined in the manner set forth in the Merger Agreement equal to the difference between $13.25 and the exercise price of the option.
	In accordance with the terms of the Merger Agreement, CMS Bancorp and Bank and their advisors are not permitted to solicit alternative acquisition proposals from third parties. The Merger Agreement provides that CMS Bancorp is required to pay to Putnam a termination fee equal to one million dollars ($1,000,000) in the event CMS Bancorp terminates the Merger Agreement to accept an alternative acquisition proposal that is determined to be a “Superior Proposal” or CMS Bancorp’s Board otherwise fails to call and hold a shareholders meeting for approval of the Merger Agreement or recommend that CMS Bancorp’s shareholders approve the Merger Agreement. In the event that either party commits willful conduct or gross negligence resulting in a breach of a representation or warranty or failure to perform or comply with a covenant or agreement that leads to the termination of the Merger Agreement, the breaching party is liable to the non-breaching party for up to $350,000 of documented reasonable out-of-pocket costs and expenses.
	The Merger Agreement was unanimously approved by CMS Bancorp’s Board of Directors. The Merger Agreement contains various conditions, and assuming satisfaction or waiver of such conditions, it is currently expected that the Merger will be completed within the first half of calendar year 2015. The transactions contemplated by the Merger Agreement are subject to, among other things, approval of the Merger Agreement by the shareholders of the Company, the receipt of requisite bank regulatory approvals, a provision that not more than 10% of CMS Bancorp’s shareholders express dissent to the Merger terms by invoking applicable state law with respect to appraisal rights, and other customary conditions. Moreover, as noted above, in accordance with the terms of the Merger Agreement, all outstanding shares of CMS Bancorp’s preferred stock will be redeemed immediately prior to closing of the Merger.
	Each director and executive officer of CMS Bancorp as of the date of the Merger Agreement has entered into a voting and lockup agreement with Putnam, pursuant to which each such person has agreed to vote in favor of approval of the Merger Agreement and related transactions, including the Merger, until such time as the Voting Agreement is terminated in accordance with its terms. For additional information about the Merger Agreement with Putnam, see CMS Bancorp’s Current Report on Form 8-K filed with the SEC on September 25, 2014.  Stockholders of CMS Bancorp will be asked to approve the Merger Agreement at a special meeting to be held on February 12, 2015, or at any adjournment thereof.

Basis_of_Presentation

Basis of Presentation	3 Months Ended
	Dec. 31, 2014
Basis Of Presentation [Abstract]
Basis of Presentation	3. Basis of Presentation
	The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”). However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three months ended December 31, 2014 are not necessarily indicative of the results which may be expected for the entire fiscal year. These consolidated financial statements should be read in conjunction with the Company’s audited consolidated financial statements and notes thereto which are in the Company’s Annual Report for the fiscal year ended September 30, 2014, filed with the SEC on December 22, 2014, as amended in an Annual Report on Form 10-K/A filed with the SEC on January 27, 2015.

Critical_Accounting_Policies

Critical Accounting Policies	3 Months Ended
	Dec. 31, 2014
Critical Accounting Policies [Abstract]
Critical Accounting Policies	4. Critical Accounting Policies
	The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the statements of financial condition and revenues and expenses for the periods then ended. Actual results could differ significantly from those estimates. Management’s ability to determine material estimates which are susceptible to significant change, relate to the allowance for loan losses, the determination of other-than-temporary impairment on securities and the fair assessment of whether deferred taxes are more likely than not to be realized.
	The Company follows Financial Accounting Standards Board (“FASB”) guidance on subsequent events, which establishes general standards for accounting for and disclosure of events that occur after the balance sheet date but before the financial statements are issued. This guidance sets forth the period after the balance sheet date during which management of the reporting entity should evaluate events or transactions that occur for potential recognition in the financial statements. This guidance identifies the circumstances under which an entity should recognize events or transactions occurring after the balance sheet date in its financial statements, and the disclosure that should be made about events or transactions that occur after the balance sheet date. In preparing these consolidated financial statements, the Company evaluated the events that occurred after December 31, 2014 and through the date these consolidated financial statements were issued.

Net_Income_Per_Share

Net Income Per Share	3 Months Ended
	Dec. 31, 2014
Net Income Per Share [Abstract]
Net Income Per Share	5. Net Income per Share
	Basic net income per share was computed by dividing the net income available to common stockholders by the weighted average number of shares of common stock outstanding, adjusted for unearned shares of the Company’s employee stock ownership plan, or “ESOP”. Stock options granted are considered common stock equivalents and are therefore considered in diluted net income per share calculations, if dilutive, using the treasury stock method. None of the 186,479 stock options outstanding were anti-dilutive and therefore excluded from the computation of diluted net income per share for the three months ended December 31, 2014. 185,491 of the 186,479 stock options outstanding were anti-dilutive and therefore excluded from the computation of diluted net income per share for the three months ended December 31, 2013. Unallocated common shares held by the ESOP are not included in the weighted average number of common shares outstanding for purposes of calculating both basic and diluted net income per share until they are committed to be released.

Retirement_Plan_Components_of_

Retirement Plan - Components of Net Periodic Pension Cost	3 Months Ended
	Dec. 31, 2014
Retirement Plan - Components of Net Periodic Pension Cost [Abstract]
Retirement Plan - Components of Net Periodic Pension Cost	6. Retirement Plan – Components of Net Periodic Pension Cost
	The components of periodic pension expense were as follows:
		Three Months
		Ended
		December 31,
		2014		2013
		(In thousands)
	Interest cost	$	62	$	62
	Expected return on plan assets		-73		-73
	Amortization of unrecognized loss		23		23
	Total	$	12	$	12

Stock_Based_Compensation

Stock Based Compensation	3 Months Ended
	Dec. 31, 2014
Stock Based Compensation [Abstract]
Stock-Based Compensation	7. Stock Based Compensation
	At a special meeting of the stockholders of the Company held on November 9, 2007, the stockholders approved the CMS Bancorp, Inc. 2007 Stock Option Plan and the CMS Bancorp, Inc. 2007 Recognition and Retention Plan (collectively the “Plans”). The Plans authorize the award of up to 205,516 stock options and 82,206 shares of restricted stock. The stock options and restricted stock awarded under the Plans vest over a five year service period based on the anniversary of the grant date.
	The Company recorded compensation expense with respect to stock options of $10,000 and $10,000 during the three month periods ended December 31, 2014 and 2013, respectively. Unrecognized compensation expense associated with stock option grants as of December 31, 2014 was $74,000.
	The Company recorded compensation expense with respect to restricted stock of $8,000 and $9,000 during the three month periods ended December 31, 2014 and 2013, respectively. Unrecognized compensation expense associated with grants of restricted stock as of December 31, 2014 was $48,000.

Securities

Securities	3 Months Ended
	Dec. 31, 2014
Securities [Abstract]
Securities	8. Securities
	Securities available for sale as of December 31, 2014 and September 30, 2014 were as follows:
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
	31-Dec-14	Cost		Gains		Losses		Value
		(In thousands)
	U.S. Government Agencies:
	Due within five years	$	4,997	$	-	$	25	$	4,972
	Due after five but within ten years		9,995		-		223		9,772
	Due after ten years but within fifteen years		5,000		-		40		4,960
	Corporate bonds due after five years but within ten years		4,359		74		-		4,433
	Municipal bonds:
	Due after one but within five years		1,277		9		-		1,286
	Due after five years but within ten years		2,434		59		7		2,486
	Mortgage-backed securities		11,279		175		61		11,393
		$	39,341	$	317	$	356	$	39,302
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	September 30, 2014	Cost		Gains		Losses		Value
		(In thousands)
	U.S. Government Agencies:
	Due within five years	$	4,997	$	-	$	30	$	4,967
	Due after five but within ten years		9,995		-		241		9,754
	Due after ten years but within fifteen years		5,000		-		148		4,852
	Corporate bonds due after five years but within ten years		4,364		53		-		4,417
	Municipal bonds:
	Due within five years		1,281		17		-		1,298
	Due after five years but within ten years		2,436		58		3		2,491
	Mortgage-backed securities		11,492		178		84		11,586
		$	39,565	$	306	$	506	$	39,365
	The age of unrealized losses and fair value of related securities available for sale at December 31, 2014 and September 30, 2014 were as follows:
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	31-Dec-14	Value		Losses		Value		Losses		Value		Losses
		(In thousands)
	U.S. Government Agencies	$	-	$	-	$	19,704	$	288	$	19,704	$	288
	Municipal bonds		-		-		1,318		7		1,318		7
	Mortgage-backed securities		-		-		3,635		61		3,635		61
		$	-	$	-	$	24,657	$	356	$	24,657	$	356
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	30-Sep-14	Value		Losses		Value		Losses		Value		Losses
		(In thousands)
	U.S. Government Agencies	$	-	$	-	$	19,573	$	419	$	19,573	$	419
	Municipal bonds		-		-		1,324		3		1,324		3
	Mortgage-backed securities		-		-		3,743		84		3,743		84
		$	-	$	-	$	24,640	$	506	$	24,640	$	506
	When the fair value of security is below its amortized cost, and depending on the length of time the condition exists, additional analysis is performed to determine whether an other-than-temporary impairment condition exists. Securities are analyzed quarterly for possible other-than-temporary impairment. The analysis considers (i) whether the Company has the intent to sell the securities prior to recovery and/or maturity and (ii) whether it is more likely than not that the Company will have to sell the securities prior to recovery and/or maturity. Often, the information available to conduct these assessments is limited and rapidly changing, making estimates of fair value subject to judgment. If actual information or conditions are different than estimated, the extent of the impairment of the security may be different than previously estimated, which could have a material effect on the Company’s consolidated financial statements.
	The unrealized losses reported on securities at December 31, 2014 relate to four securities issued by U.S. Government Agencies, one Municipal bond and one Mortgage-backed security. These unrealized losses were due to changes in interest rates.  The unrealized losses reported on securities at September 30, 2014 relate to four securities issued by U.S Government Agencies, one Municipal bond and one Mortgage-backed security. These unrealized losses were due to changes in interest rates.
	All mortgage-backed securities are U.S. Government Agencies backed and collateralized by residential mortgages.
	There were no sales of securities available for sale during the three month periods ended December 31, 2014 or 2013, respectively.

Loans

Loans	3 Months Ended
	Dec. 31, 2014
Loans [Abstract]
Loans	9. Loans
	Loans receivable are carried at unpaid principal balances and net deferred loan origination costs less the allowance for loan losses.
	The Company defers loan origination fees and certain direct loan origination costs and accretes net amounts as an adjustment of yield over the contractual lives of the related loans. Unamortized net fees and costs are written off if the loan is repaid before its stated maturity date.
	Recognition of interest income is discontinued and existing accrued interest receivable is reversed on loans that are more than ninety days delinquent and where management, through its loan review process, feels such loan should be classified as non-accrual. Income is subsequently recognized only to the extent that cash payments are received until the obligation has been brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally nine months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt, in which case the loan is returned to an accrual status. The past due status of all classes of loans receivable is determined based on the contractual due dates for loan payments.
	Loan balances as of December 31, 2014 and September 30, 2014 consist of the following:
		31-Dec-14			30-Sep-14
		(In thousands)
	Real estate:
	One-to-four-family	$	88,878		$	90,567
	Multi-family		28,620			28,659
	Non-residential		55,673			56,076
	Construction		292			174
	Home equity and second mortgages		8,563			8,653
			182,026			184,129
	Commercial & Industrial		36,495			40,346
	Consumer		49			55
	Other		998			-
	Total Loans		219,568			224,530
	Allowance for loan losses		-660			-740
	Net deferred loan origination fees and costs		-17			-4
		$	218,891		$	223,786
	An allowance for loan and lease losses (“ALLL”) is maintained to absorb losses from the loan portfolio. The ALLL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.
	The Bank’s methodology for determining the ALLL is based on the requirements of the FASB’s Accounting Standards Codification (“ASC”) Sub-Topic 450-20 for loans collectively evaluated for impairment, ASC Section 310-10-35 for loans individually evaluated for impairment, as well as the Interagency Policy Statement on the Allowance for Loan and Lease Losses, and other bank regulatory guidance. The total of the two components represents the Bank’s ALLL.
	Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends and Federal Deposit Insurance Corporation (“FDIC”) Uniform Bank Performance Report (“UBPR”) loss experience for the Bank’s Peer Group are used in the estimation of losses in the current portfolio. These historical loss amounts are modified by other qualitative factors.
	The classes described below, which are based on the Consolidated Report of Condition and Income (CALL Report) classifications, provide the starting point for the ALLL analysis. Management tracks the historical net charge-off activity at the reporting class level. A historical charge-off factor is calculated utilizing one year to five year averages, depending on the trend of losses and other factors. In addition, the UBPR Peer Group charge-off factor is determined. The Bank uses Bank specific charge-off experience adjusted for recent loss trends and economic conditions as well as Peer Group charge-off experience to establish its historical charge-off factor.
	“Pass” rated credits are segregated from “Classified” credits for the application of qualitative factors. Management has identified a number of additional qualitative factors that it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience. The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources are: national and local economic trends and conditions; levels of and trends in delinquency rates and non-accrual loans; trends in volumes and terms of loans; effects of changes in lending policies; experience, ability, and depth of lending staff; value of underlying collateral; and concentrations of credit from a loan type, industry and/or geographic standpoint.
	An allowance for loan losses is maintained at a level that represents management’s best estimate of losses known and inherent in the loan portfolio that are both probable and reasonably estimable. The allowance is decreased by loan charge-offs, increased by subsequent recoveries of loans previously charged off, and then adjusted, via either a charge or credit to operations, to an amount determined by management to be necessary. Loans or portions thereof are charged off when, after collection efforts are exhausted, they are determined to be uncollectible. Management of the Company, in determining the allowance for loan losses, considers the losses inherent in its loan portfolio and changes in the nature and volume inherent in its loan activities, along with the general economic and real estate market conditions. The total of the two components represents the Bank’s ALLL. The Company utilizes a two tier approach: (1) identification of impaired loans and establishment of specific loss allowances on such loans; and (2) establishment of general valuation allowances on the remainder of its loan portfolio. The Company maintains a loan review system which allows for a periodic review of its loan portfolio and the early identification of potential impaired loans.
	Such system takes into consideration, among other things, delinquency status, size of loans, and type of collateral and financial condition of the borrowers. Specific loan loss allowances are established for identified loans based on a review of such information and/or appraisals of the underlying collateral. General loan losses are determined based upon a combination of factors including, but not limited to, actual loan loss experience, composition of the loan portfolio, current economic conditions and management’s judgment. Although management believes that specific and general loan losses are established in accordance with management’s best estimate, actual losses are dependent upon future events and, as such, further additions to the level of loan loss allowances may be necessary.
	The segments of the Bank’s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. Loans secured by real estate consist of one-to-four-family, multi-family, non-residential, construction and home equity and second mortgage loans. Substantially all of the commercial loans are secured and consumer loans are principally secured.
	Management uses a nine category internal risk rating system to monitor the credit quality of the overall loan portfolio that generally follows bank regulatory definitions. Pass graded loans are considered to have average or better than average risk characteristics. They demonstrate satisfactory debt service capacity and coverage along with a generally stable financial position. These loans are performing in accordance with the terms of their loan agreement. The Watch category, a non-bank regulatory category, includes assets that, while performing, demonstrate above average risk through a pattern of declining earnings trends, strained cash flow, increasing leverage, and/or weakening market fundamentals. The Special Mention category includes assets that are currently protected but exhibit potential credit weakness or a downward trend which, if not checked or corrected, will weaken the Bank’s asset or inadequately protect the Bank’s position. Loans in the Substandard category have a well-defined weakness that jeopardizes the orderly liquidation of the debt. For loans in this category, normal repayment from the borrower is in jeopardy and there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. All loans greater than 90 days past due are considered Substandard. Loans in the Doubtful category have weaknesses inherent in those classified Substandard with the added provision that the weakness makes collection of debt in full, on the basis of current existing facts, conditions, and values, highly questionable and improbable. The portion of any loan that represents a specific allocation of the allowance for loan losses is placed in the special valuation category. Loans that are deemed incapable of repayment where continuance as an active asset of the Bank is not warranted are charged off as a Loss. The classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off the asset even though partial recovery may be achieved in the future.
	To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as delinquency, bankruptcy, repossession, or death occurs to raise awareness of a possible credit event. The Bank’s Senior Lending Officer is responsible for the timely and accurate risk rating of the loans in the portfolios at origination and on an ongoing basis. The Bank has an experienced outsourced Loan Review function that on a quarterly basis, reviews and assesses loans within the portfolio and the adequacy of the Bank’s allowance for loan losses. Detailed reviews, including plans for resolution, are performed on loans classified as Substandard or Doubtful on a quarterly basis. Loans in the Special Mention and Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance.
	Management evaluates individual loans in all of the segments for possible impairment if the loan is either in nonaccrual status, or is risk rated Substandard or Doubtful. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of any shortfall in relation to the principal and interest owed.
	Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Bank’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. A loan evaluated for impairment is deemed to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as impaired are evaluated independently. The Company does not aggregate such loans for evaluation purposes. A reserve for losses related to unfunded lending commitments is also maintained. This reserve represents management’s estimate of losses inherent in unfunded credit commitments.
	The following table summarizes the primary segments of the loan portfolio, including net deferred loan origination fees and costs, as of December 31, 2014 and September 30, 2014:
		Individually			Collectively
		Evaluated for			Evaluated for
	31-Dec-14	Impairment			Impairment			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	5,713		$	83,158		$	88,871
	Multi-family		-			28,618			28,618
	Non-residential		527			55,139			55,666
	Construction		-			291			291
	Home equity and second mortgages		459			8,104			8,563
			6,699			175,310			182,009
	Commercial & Industrial		4,976			31,519			36,495
	Consumer		-			49			49
	Other		-			998			998
	Total	$	11,675		$	207,876		$	219,551
		Individually			Collectively
		Evaluated for			Evaluated for
	30-Sep-14	Impairment			Impairment			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	5,740		$	84,825		$	90,565
	Multi-family		-			28,658			28,658
	Non-residential		1,738			54,337			56,075
	Construction		-			174			174
	Home equity and second mortgages		374			8,279			8,653
			7,852			176,273			184,125
	Commercial & Industrial		3,297			37,049			40,346
	Consumer		4			51			55
	Total	$	11,153		$	213,373		$	224,526
	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2014 and September 30, 2014:
							Impaired
							Loans with
	Impaired Loans with						No Specific
	Specific Allowance						Allowance		Total Impaired Loans
												Unpaid
	Recorded			Related			Recorded		Recorded			Principal
31-Dec-14	Investment			Allowance			Investment		Investment			Balance
	(In thousands)
Real estate:
One-to-four-family	$	506		$	1		$	5,207	$	5,713		$	5,843
Multi-family		-			-			-		-			-
Non-residential		-			-			527		527			860
Construction		-			-			-		-			-
Home equity and second mortgages		90			5			369		459			459
		596			6			6,103		6,699			7,162
Commercial & Industrial		-			-			4,976		4,976			4,976
Consumer		-			-			-		-			-
Total	$	596		$	6		$	11,079	$	11,675		$	12,138
							Impaired
							Loans with
	Impaired Loans with						No Specific
	Specific Allowance						Allowance		Total Impaired Loans
												Unpaid
	Recorded			Related			Recorded		Recorded			Principal
30-Sep-14	Investment			Allowance			Investment		Investment			Balance
	(In thousands)
Real estate:
One-to-four-family	$	-		$	-		$	5,740	$	5,740		$	5,874
Multi-family		-			-			-		-			-
Non-residential		-			-			1,738		1,738			2,071
Construction		-			-			-		-			-
Home equity and second mortgages		-			-			374		374			374
		-			-			7,852		7,852			8,319
Commercial & Industrial		-			-			3,297		3,297			3,297
Consumer		4			4			-		4			4
Total	$	4		$	4		$	11,149	$	11,153		$	11,620
The following table presents the average recorded investment in impaired loans and related interest income recognized for the three month periods ended December 31, 2014 and 2013:
	One-to-			Home Equity							Commercial
	four-			and Second				Non-			&
31-Dec-14	family			Mortgages				residential			Industrial		Consumer			Total
	(In thousands)
Average investment in impaired loans	$	6,212		$	398		$	633		$	1,081		$	-		$	8,324
Interest income recognized on an accrual basis on impaired loans		32			2			21			55			-			110
Interest income recognized on a cash basis on impaired loans		11			2			3			-			-			16
	One-to-			Home Equity							Commercial
	four-			and Second				Non-			&
31-Dec-13	family			Mortgages				residential			Industrial		Consumer			Total
	(In thousands)
Average investment in impaired loans	$	6,579		$	433			707		$	-		$	-		$	7,719
Interest income recognized on an accrual basis on impaired loans		21			3			-			-			-			24
Interest income recognized on a cash basis on impaired loans		16			-			-			-			-			16
The following table presents the classes of the loan portfolio summarized by the aggregate Pass (including loans graded Watch) and the classified ratings of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2014 and September 30, 2014:
				Special
31-Dec-14	Pass			Mention			Substandard		Doubtful			Total
	(In thousands)
Real estate:
One-to-four-family	$	86,459		$	-			2,412	$	-		$	88,871
Multi-family		28,618			-			-		-			28,618
Non-residential		55,139			-			527		-			55,666
Construction		291			-			-		-			291
Home equity and second mortgages		8,328			50			185		-			8,563
		178,835			50			3,124		-			182,009
Commercial & Industrial		30,972			547			4,976		-			36,495
Consumer		49			-			-		-			49
Other		998			-			-		-			998
Total	$	210,854		$	597		$	8,100	$	-		$	219,551
				Special
30-Sep-14	Pass			Mention			Substandard		Doubtful			Total
	(In thousands)
Real estate:
One-to-four-family	$	87,808		$	-		$	2,757	$	-		$	90,565
Multi-family		28,658			-			-		-			28,658
Non-residential		54,337			-			1,738		-			56,075
Construction		174			-			-		-			174
Home equity and second mortgages		8,417			139			97		-			8,653
		179,394			139			4,592		-			184,125
Commercial & Industrial		35,839			1,210			3,297		-			40,346
Consumer		51			-			-		4			55
Total	$	215,284		$	1,349		$	7,889	$	4		$	224,526
Management further monitors the performance and credit quality of the loan portfolio by analyzing the delinquency aging of the portfolio as determined by the length of time a recorded payment is past due.
The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of December 31, 2014 and September 30, 2014:
													90 Days
				30-59			60-89		90 Days or				or More		Total
				Days			Days		More Past				Past Due			Past
				Past			Past		Due and				and Non-		Total
31-Dec-14	Current			Due			Due		Accruing			Accrual			Due			Total
	(In thousands)
Real estate:
One-to-four-family	$	86,164		$	113		$	581	$	-		$	2,013		$	2,707		$	88,871
Multi-family		28,618			-			-		-			-			-			28,618
Non-residential		55,666			-			-		-			-			-			55,666
Construction		291			-			-		-			-			-			291
Home equity and second mortgages		8,353			25			-		-			185			210			8,563
		179,092			138			581		-			2,198			2,917			182,009
Commercial & Industrial		36,495			-			-		-			-			-			36,495
Consumer		49			-			-		-			-			-			49
Other		998			-			-		-			-			-			998
Total	$	216,634		$	138		$	581	$	-		$	2,198		$	2,917		$	219,551
													90 Days
				30-59			60-89		90 Days or				or More
				Days			Days		More Past				Past Due		Total
				Past			Past		Due and			and Non-			Past
30-Sep-14	Current			Due			Due		Accruing			Accrual			Due			Total
	(In thousands)
Real estate:
One-to-four-family	$	88,304		$	240		$	-	$	-		$	2,021		$	2,261		$	90,565
Multi-family		28,658			-			-		-			-			-			28,658
Non-residential		56,075			-			-		-			-			-			56,075
Construction		174			-			-		-			-			-			174
Home equity and second mortgages		8,416			-			50		-			187			237			8,653
		181,627			240			50		-			2,208			2,498			184,125
Commercial & Industrial		39,678			511			-		-			157			668			40,346
Consumer		51			-			-		4			-			4			55
Total	$	221,356		$	751		$	50	$	4		$	2,365		$	3,170		$	224,526
The Company is not committed to lend additional funds on nonaccrual loans at December 31, 2014.
Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALLL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALLL. Management utilizes an internally developed spreadsheet to track and apply the various components of the allowance.
The following table summarizes the primary segments of the ALLL, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2014 and September 30, 2014:
				Collectively			Individually
	ALLL			Evaluated for			Evaluated for
31-Dec-14	Balance			Impairment			Impairment
	(In thousands)
Real estate:
One-to-four-family	$	257		$	256		$	1
Multi-family		83			83			-
Non-residential		189			189			-
Home equity and second mortgages		27			22			5
		556			550			6
Commercial & Industrial		100			100			-
Consumer		4			4			-
Total	$	660		$	654		$	6
				Collectively			Individually
	ALLL			Evaluated for			Evaluated for
30-Sep-14	Balance			Impairment			Impairment
	(In thousands)
Real estate:
One-to-four-family	$	257		$	257		$	-
Multi-family		83			83			-
Non-residential		266			266			-
Home equity and second mortgages		26			26			-
		632			632			-
Commercial & Industrial		100			100			-
Consumer		8			4			4
Total	$	740		$	736		$	4
The following table summarizes activity in the primary segments of the ALLL for the three month periods ended December 31, 2014 and 2013:
	Balance			Charge-								Balance
31-Dec-14	30-Sep-14			offs			Recoveries		Provision			31-Dec-14
	(In thousands)
Real estate:
One-to-four-family	$	257		$	-		$	-	$	-		$	257
Multi-family		83			-			-		-			83
Non-residential		266			-			-		-77			189
Home equity and second mortgages		26			-			-		1			27
		632			-			-		-76			556
Commercial & Industrial		100			-151			-		151			100
Consumer		8			-4			-		-			4
Total	$	740		$	-155		$	-	$	75		$	660
	Balance			Charge-								Balance
31-Dec-13	30-Sep-13			offs			Recoveries		Provision			31-Dec-13
	(In thousands)
Real estate:
One-to-four-family	$	225		$	-44		$	-	$	46		$	227
Multi-family		48			-			-		-34			14
Non-residential		374			-324			-		212			262
Construction		7			-			-		-3			4
Home equity and second mortgages		82			-			-		-1			81
		736			-368			-		220			588
Commercial & Industrial		187			-9			-		-125			53
Consumer		-			-			-		5			5
Total	$	923		$	-377		$	-	$	100		$	646
A troubled debt restructuring (“TDR”) is a loan that has been modified whereby the Bank has agreed to make certain concessions that would otherwise not be granted to a borrower experiencing or expected to experience financial difficulties in order to maximize the ultimate recovery of a loan. The types of concessions granted generally include, but are not limited to interest rate reductions, limitations on the accrued interest charged, term extensions, and deferment of principal. In evaluating whether a restructuring constitutes a TDR, a creditor must separately conclude that the restructuring constitutes a concession and the borrower is experiencing financial difficulties. The concessions granted on these loans consisted of interest rate reductions and/- or extensions of the loan term. The following table summarizes the TDR identified during the quarter ended December 31, 2014 and 2013:
			Recorded Investment			Recorded Investment
	Number of Loans		Before Modification			After Modification
Three Months Ended December 31, 2014	(Dollars in thousands)
One-to-four-family	1		$	98		$	98
Three Months Ended December 31, 2013
One-to-four-family	1		$	523		$	523
A default on a troubled debt restructured loan for purposes of disclosure occurs when a borrower is 90 days past due or a foreclosure or repossession of the applicable collateral has occurred. During the three month period ended December 31, 2014, no defaults occurred on troubled debt restructured loans that were modified as a TDR within the previous 12 months. There was one TDR default for the period ended December 31, 2013.

Fair_Value_Measurements_and_Fa

Fair Value Measurements and Fair Value of Financial Instruments	3 Months Ended
	Dec. 31, 2014
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value Measurements and Fair Value of Financial Instruments	10. Fair Value Measurements and Fair Value of Financial Instruments
	U.S. GAAP has established a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are as follows:
	Level 1: Quoted prices in active markets for identical assets or liabilities.
	Level 2: Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
	Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
	An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
	In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and counterparty creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective value or reflective of future values.
	While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. In addition, the guidance requires the Company to disclose the fair value for financial assets on both a recurring and non-recurring basis for financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy at December 31, 2014 and September 30, 2014 are summarized below:
						(Level 1)
						Quoted Prices in			(Level 2)			(Level 3)
			Fair			Active Markets for			Significant Other			Significant
	Description		Value			Identical Assets			Observable Inputs			Unobservable Inputs
			(In thousands)
	31-Dec-14
	Securities available for sale:
	U.S. Government Agencies		$	19,704		$	-		$	19,704		$	-
	Corporate bonds			4,433			-			4,433			-
	Municipal bonds			3,772			-			3,772			-
	Mortgage-backed securities			11,393			-			11,393			-
						(Level 1)
						Quoted Prices in			(Level 2)			(Level 3)
			Fair			Active Markets for			Significant Other			Significant
	Description		Value			Identical Assets			Observable Inputs			Unobservable Inputs
			(In thousands)
	30-Sep-14
	Securities available for sale:
	U.S. Government Agencies		$	19,573		$	-		$	19,573		$	-
	Corporate bonds			4,417			-			4,417			-
	Municipal bonds			3,789			-			3,789			-
	Mortgage-backed securities			11,586			-			11,586			-
	For financial assets measured at fair value on a non-recurring basis, the fair value measurement by level within the fair value hierarchy are summarized below:
			Fair Value		(Level 1)         Quoted Prices in Active Markets for Identical Assets		(Level 2)                 Significant Other Observable Inputs		(Level 3) Significant Unobservable Inputs
					(In thousands)
	31-Dec-14
	Impaired loans	$	590	$		$		$	590
	30-Sep-14
	Impaired loans	$	1,908	$		$		$	1,908
	Other real estate owned		183		-		-		183
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value:
			Fair Value estimate	Valuation techniques	Unobservable input	Range					Weighted average
	31-Dec-14
	Impaired loans	$	590	Appraisals (1)	Liquidation expenses (2)	2.58	%	to	3.25	%	2.68	%
			Fair Value estimate	Valuation techniques	Unobservable input	Range					Weighted average
	30-Sep-14
	Impaired loans	$	1,908	Appraisals (1)	Liquidation expenses (2)	4.02	%	to	5.67	%	4.84	%
	Other real estate owned		183	Appraisals (1)	Liquidation expenses (2)			6.0	%		6.0	%
	(Dollars in thousands)
		1)		Fair value is generally determined through discounted independent appraisals of the underlying collateral less any loan related liquidation expenses.
		2)		Includes estimated liquidation expenses by borrower.
	The following methods and assumptions were used to estimate the fair value of each class of financial instruments at December 31, 2014 and September 30, 2014.
	Cash and Cash Equivalents, Interest Receivable and Interest Payable. The carrying amounts for cash and cash equivalents, interest receivable and interest payable approximate fair value because they mature in three months or less.
	Securities. The fair value for debt securities are based on quoted market prices or dealer prices (Level 1), if available. If quoted market prices are not available, fair values are determined by obtaining matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs).
	Loans Receivable. The fair value of loans receivable is estimated by discounting the future cash flows, using the current market rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities, of such loans.
	Loans Held for Sale. Loans held for sale are carried at estimated fair value in the aggregate, determined based on actual amounts subsequently realized after the balance sheet date, or estimates of amounts to be subsequently realized, based on actual amounts realized for similar loans.
	Deposits. The fair value of demand, savings and club accounts is equal to the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated using market rates currently offered for deposits of similar remaining maturities. The fair value estimates do not include the benefit that results from the low-cost funding provided by deposit liabilities compared to the cost of borrowing funds in the market.
	Advances from FHLB. Fair value is estimated using rates currently offered for advances of similar remaining maturities.
	Commitments to Extend Credits. The fair value of commitments to fund credit lines and originate or participate in loans is estimated using fees currently charged to enter into similar agreements taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest and the committed rates. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, was not considered material at December 31, 2014 and September 30, 2014.
	The carrying amounts and estimated fair values of financial instruments at December 31, 2014 and September 30, 2014 are summarized as follows:
									(Level 1)
									Quoted Prices in			(Level 2)		(Level 3)
			Carrying			Fair			Active Markets for			Significant Other		Significant
	Description		Amount			Value			Identical Assets			Observable Inputs		Unobservable Inputs
			(In thousands)
	31-Dec-14
Financial assets:
Cash and cash equivalents		$	2,405		$	2,405		$	2,405		$	-	$	-
Securities available-for-sale			39,302			39,302			-			39,302		-
Loans receivable			218,891			220,870			-			-		220,870
Accrued interest receivable			992			992			-			992
Financial liabilities:
Deposits			212,355			203,232			-			203,232		-
FHLB-NY advances			26,905			26,909			-			26,909		-
Accrued interest payable			57			57			-			57		-
								(Level 1)
								Quoted Prices in			(Level 2)		(Level 3)
		Carrying			Fair			Active Markets for			Significant Other		Significant
Description		Amount			Value			Identical Assets			Observable Inputs		Unobservable Inputs
		(In thousands)
30-Sep-14
Financial assets:
Cash and cash equivalents		$	3,147		$	3,147		$	3,147		$	-	$	-
Securities available-for-sale			39,365			39,365			-			39,365		-
Loans held for sale			349			349			-			349		-
Loans receivable			223,786			221,189			-			-		221,189
Accrued interest receivable			925			925			-			925		-
Financial liabilities:
Deposits			226,782			217,765			-			217,765		-
FHLB-NY advances			18,950			20,976			-			20,976		-
Accrued interest payable			109			109			-			109		-
Limitations
The fair value estimates are made at a discrete point in time based on relevant market information about the financial instruments. Fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Further, the foregoing estimates may not reflect the actual amount that could be realized if all of the financial instruments were offered for sale.
In addition, the fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to value the anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets and liabilities include premises and equipment and advances from borrowers for taxes and insurance. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.
Finally, reasonable comparability between financial institutions may not be likely due to the wide range of permitted valuation techniques and numerous estimates which must be made given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies introduces a greater degree of subjectivity to these estimated fair values.

Federal_Home_Loan_Bank_of_New_

Federal Home Loan Bank of New York Stock	3 Months Ended
	Dec. 31, 2014
Federal Home Loan Bank Of New York Stock [Abstract]
Federal Home Loan Bank of New York Stock	11. Federal Home Loan Bank of New York Stock
	The Company’s required investment in the common stock of the FHLB is carried at cost as of December 31, 2014 and September 30, 2014. Management evaluates this common stock for impairment in accordance with the FASB guidance on accounting by certain entities that lend to or finance the activities of others. Management’s determination of whether this investment is impaired is based on its assessment of the ultimate recoverability of the investment’s cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB, and (4) the liquidity position of the FHLB. Management believes no impairment charge related to the FHLB stock was necessary as of December 31, 2014 and September 30, 2014.

Recent_Accounting_Pronouncemen

Recent Accounting Pronouncements	3 Months Ended
	Dec. 31, 2014
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	12. Recent Accounting Pronouncements
	In January 2014, the FASB issued ASU 2014-04 “Receivables—Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure”. The amendments in this Update clarify that an in-substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. Under the modified retrospective transition method, an entity should apply the amendments in this Update by means of a cumulative-effect adjustment to residential consumer mortgage loans and foreclosed residential real estate properties existing as of the beginning of the annual period for which the amendments are effective. Assets reclassified from real estate to loans as a result of adopting the amendments in this Update should be measured at the carrying value of the real estate at the date of adoption. Assets reclassified from loans to real estate as a result of adopting the amendments in this Update should be measured at the lower of the net amount of loan receivable or the real estate’s fair value less costs to sell at the time of adoption. For prospective transition, an entity should apply the amendments in this Update to all instances of an entity receiving physical possession of residential real estate property collateralized by consumer mortgage loans that occur after the date of adoption. Early adoption is permitted. This update is not expected to have a material effect on the financial statements of the Company.

Commitments_and_Contingencies

Commitments and Contingencies	3 Months Ended
	Dec. 31, 2014
Commitments and Contingencies [Abstract]
Commitments and Contingencies	13. Commitments and Contingencies
	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments primarily include commitments to extend credit. These financial instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the statements of financial condition. The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.

Subsequent_Events

Subsequent Events	3 Months Ended
	Dec. 31, 2014
Subsequent Events [Abstract]
Subsequent Events	14. Subsequent Events
	With respect to the litigation between CMS Bancorp and Customers Bancorp, Inc., as CMS Bancorp announced on January 13, 2015 in a Form 8-K and definitive additional proxy materials filed with the SEC, on January 8, 2015, the parties have resolved the litigation on mutually acceptable terms.
	As announced on February 2, 2015 in definitive additional proxy materials filed with the SEC, CMS Bancorp was a party to a settlement agreement in the form of a Memorandum of Understanding dated January 30, 2015, which resolved a purported class action lawsuit that was filed in the Court of Chancery of the State of Delaware on January 14, 2015.

Principles_of_Consolidation_Po

Principles of Consolidation (Policies)	3 Months Ended
	Dec. 31, 2014
Principles Of Consolidation [Abstract]
Consolidation [Policy Text Block]	The consolidated financial statements include the accounts of CMS Bancorp, Inc. (“CMS Bancorp” or the “Company”) and its wholly-owned subsidiary, CMS Bank (the “Bank”). The Company’s business is conducted principally through the Bank. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified in the consolidated financial statements to conform to the current presentation.

Critical_Accounting_Policies_P

Critical Accounting Policies (Policy)	3 Months Ended
	Dec. 31, 2014
Critical Accounting Policies [Abstract]
Subsequent Events, Policy [Policy Text Block]	The Company follows Financial Accounting Standards Board (“FASB”) guidance on subsequent events, which establishes general standards for accounting for and disclosure of events that occur after the balance sheet date but before the financial statements are issued. This guidance sets forth the period after the balance sheet date during which management of the reporting entity should evaluate events or transactions that occur for potential recognition in the financial statements. This guidance identifies the circumstances under which an entity should recognize events or transactions occurring after the balance sheet date in its financial statements, and the disclosure that should be made about events or transactions that occur after the balance sheet date. In preparing these consolidated financial statements, the Company evaluated the events that occurred after December 31, 2014 and through the date these consolidated financial statements were issued.

Retirement_Plan_Components_of_1

Retirement Plan - Components of Net Periodic Pension Cost (Tables)	3 Months Ended
	Dec. 31, 2014
Retirement Plan - Components of Net Periodic Pension Cost [Abstract]
Components of Periodic Pension Expense
		Three Months
		Ended
		December 31,
		2014		2013
		(In thousands)
	Interest cost	$	62	$	62
	Expected return on plan assets		-73		-73
	Amortization of unrecognized loss		23		23
	Total	$	12	$	12

Securities_Tables

Securities (Tables)	3 Months Ended
	Dec. 31, 2014
Securities [Abstract]
Available-for-Sale Securities [Table Text Block]	Securities available for sale as of December 31, 2014 and September 30, 2014 were as follows:
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
	31-Dec-14	Cost		Gains		Losses		Value
		(In thousands)
	U.S. Government Agencies:
	Due within five years	$	4,997	$	-	$	25	$	4,972
	Due after five but within ten years		9,995		-		223		9,772
	Due after ten years but within fifteen years		5,000		-		40		4,960
	Corporate bonds due after five years but within ten years		4,359		74		-		4,433
	Municipal bonds:
	Due after one but within five years		1,277		9		-		1,286
	Due after five years but within ten years		2,434		59		7		2,486
	Mortgage-backed securities		11,279		175		61		11,393
		$	39,341	$	317	$	356	$	39,302
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	September 30, 2014	Cost		Gains		Losses		Value
		(In thousands)
	U.S. Government Agencies:
	Due within five years	$	4,997	$	-	$	30	$	4,967
	Due after five but within ten years		9,995		-		241		9,754
	Due after ten years but within fifteen years		5,000		-		148		4,852
	Corporate bonds due after five years but within ten years		4,364		53		-		4,417
	Municipal bonds:
	Due within five years		1,281		17		-		1,298
	Due after five years but within ten years		2,436		58		3		2,491
	Mortgage-backed securities		11,492		178		84		11,586
		$	39,565	$	306	$	506	$	39,365
Age of Unrealized Losses and Fair Value of Available-for-Sale Securities [Table Text Block]	The age of unrealized losses and fair value of related securities available for sale at December 31, 2014 and September 30, 2014 were as follows:
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	31-Dec-14	Value		Losses		Value		Losses		Value		Losses
		(In thousands)
	U.S. Government Agencies	$	-	$	-	$	19,704	$	288	$	19,704	$	288
	Municipal bonds		-		-		1,318		7		1,318		7
	Mortgage-backed securities		-		-		3,635		61		3,635		61
		$	-	$	-	$	24,657	$	356	$	24,657	$	356
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	30-Sep-14	Value		Losses		Value		Losses		Value		Losses
		(In thousands)
	U.S. Government Agencies	$	-	$	-	$	19,573	$	419	$	19,573	$	419
	Municipal bonds		-		-		1,324		3		1,324		3
	Mortgage-backed securities		-		-		3,743		84		3,743		84
		$	-	$	-	$	24,640	$	506	$	24,640	$	506

Loans_Tables

Loans (Tables)	3 Months Ended
	Dec. 31, 2014
Loans [Abstract]
Loan Balances [Table Text Block]	Loan balances as of December 31, 2014 and September 30, 2014 consist of the following:
		31-Dec-14			30-Sep-14
		(In thousands)
	Real estate:
	One-to-four-family	$	88,878		$	90,567
	Multi-family		28,620			28,659
	Non-residential		55,673			56,076
	Construction		292			174
	Home equity and second mortgages		8,563			8,653
			182,026			184,129
	Commercial & Industrial		36,495			40,346
	Consumer		49			55
	Other		998			-
	Total Loans		219,568			224,530
	Allowance for loan losses		-660			-740
	Net deferred loan origination fees and costs		-17			-4
		$	218,891		$	223,786
Primary Segments of the Loan Portfolio [Table Text Block]	The following table summarizes the primary segments of the loan portfolio, including net deferred loan origination fees and costs, as of December 31, 2014 and September 30, 2014:
		Individually			Collectively
		Evaluated for			Evaluated for
	31-Dec-14	Impairment			Impairment			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	5,713		$	83,158		$	88,871
	Multi-family		-			28,618			28,618
	Non-residential		527			55,139			55,666
	Construction		-			291			291
	Home equity and second mortgages		459			8,104			8,563
			6,699			175,310			182,009
	Commercial & Industrial		4,976			31,519			36,495
	Consumer		-			49			49
	Other		-			998			998
	Total	$	11,675		$	207,876		$	219,551
		Individually			Collectively
		Evaluated for			Evaluated for
	30-Sep-14	Impairment			Impairment			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	5,740		$	84,825		$	90,565
	Multi-family		-			28,658			28,658
	Non-residential		1,738			54,337			56,075
	Construction		-			174			174
	Home equity and second mortgages		374			8,279			8,653
			7,852			176,273			184,125
	Commercial & Industrial		3,297			37,049			40,346
	Consumer		4			51			55
	Total	$	11,153		$	213,373		$	224,526
Impaired Loans by Class [Table Text Block]	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2014 and September 30, 2014:
								Impaired
								Loans with
		Impaired Loans with						No Specific
		Specific Allowance						Allowance		Total Impaired Loans
													Unpaid
		Recorded			Related			Recorded		Recorded			Principal
	31-Dec-14	Investment			Allowance			Investment		Investment			Balance
		(In thousands)
	Real estate:
	One-to-four-family	$	506		$	1		$	5,207	$	5,713		$	5,843
	Multi-family		-			-			-		-			-
	Non-residential		-			-			527		527			860
	Construction		-			-			-		-			-
	Home equity and second mortgages		90			5			369		459			459
			596			6			6,103		6,699			7,162
	Commercial & Industrial		-			-			4,976		4,976			4,976
	Consumer		-			-			-		-			-
	Total	$	596		$	6		$	11,079	$	11,675		$	12,138
								Impaired
								Loans with
		Impaired Loans with						No Specific
		Specific Allowance						Allowance		Total Impaired Loans
													Unpaid
		Recorded			Related			Recorded		Recorded			Principal
	30-Sep-14	Investment			Allowance			Investment		Investment			Balance
		(In thousands)
	Real estate:
	One-to-four-family	$	-		$	-		$	5,740	$	5,740		$	5,874
	Multi-family		-			-			-		-			-
	Non-residential		-			-			1,738		1,738			2,071
	Construction		-			-			-		-			-
	Home equity and second mortgages		-			-			374		374			374
			-			-			7,852		7,852			8,319
	Commercial & Industrial		-			-			3,297		3,297			3,297
	Consumer		4			4			-		4			4
	Total	$	4		$	4		$	11,149	$	11,153		$	11,620
Average Investment in Impaired Loans [Table Text Block]	The following table presents the average recorded investment in impaired loans and related interest income recognized for the three month periods ended December 31, 2014 and 2013:
		One-to-			Home Equity							Commercial
		four-			and Second				Non-			&
	31-Dec-14	family			Mortgages				residential			Industrial		Consumer			Total
		(In thousands)
	Average investment in impaired loans	$	6,212		$	398		$	633		$	1,081		$	-		$	8,324
	Interest income recognized on an accrual basis on impaired loans		32			2			21			55			-			110
	Interest income recognized on a cash basis on impaired loans		11			2			3			-			-			16
		One-to-			Home Equity							Commercial
		four-			and Second				Non-			&
	31-Dec-13	family			Mortgages				residential			Industrial		Consumer			Total
		(In thousands)
	Average investment in impaired loans	$	6,579		$	433			707		$	-		$	-		$	7,719
	Interest income recognized on an accrual basis on impaired loans		21			3			-			-			-			24
	Interest income recognized on a cash basis on impaired loans		16			-			-			-			-			16
Classes of the Loan Portfolio Summarized by the Aggregate Risk Level [Table Text Block]	The following table presents the classes of the loan portfolio summarized by the aggregate Pass (including loans graded Watch) and the classified ratings of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2014 and September 30, 2014:
					Special
	31-Dec-14	Pass			Mention			Substandard		Doubtful			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	86,459		$	-			2,412	$	-		$	88,871
	Multi-family		28,618			-			-		-			28,618
	Non-residential		55,139			-			527		-			55,666
	Construction		291			-			-		-			291
	Home equity and second mortgages		8,328			50			185		-			8,563
			178,835			50			3,124		-			182,009
	Commercial & Industrial		30,972			547			4,976		-			36,495
	Consumer		49			-			-		-			49
	Other		998			-			-		-			998
	Total	$	210,854		$	597		$	8,100	$	-		$	219,551
					Special
	30-Sep-14	Pass			Mention			Substandard		Doubtful			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	87,808		$	-		$	2,757	$	-		$	90,565
	Multi-family		28,658			-			-		-			28,658
	Non-residential		54,337			-			1,738		-			56,075
	Construction		174			-			-		-			174
	Home equity and second mortgages		8,417			139			97		-			8,653
			179,394			139			4,592		-			184,125
	Commercial & Industrial		35,839			1,210			3,297		-			40,346
	Consumer		51			-			-		4			55
	Total	$	215,284		$	1,349		$	7,889	$	4		$	224,526
Classes of the Loan Portfolio Summarized by the Aging Categories of Performing Loans and Nonaccrual Loans [Table Text Block]	The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of December 31, 2014 and September 30, 2014:
														90 Days
					30-59			60-89		90 Days or				or More		Total
					Days			Days		More Past				Past Due			Past
					Past			Past		Due and				and Non-		Total
	31-Dec-14	Current			Due			Due		Accruing			Accrual			Due			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	86,164		$	113		$	581	$	-		$	2,013		$	2,707		$	88,871
	Multi-family		28,618			-			-		-			-			-			28,618
	Non-residential		55,666			-			-		-			-			-			55,666
	Construction		291			-			-		-			-			-			291
	Home equity and second mortgages		8,353			25			-		-			185			210			8,563
			179,092			138			581		-			2,198			2,917			182,009
	Commercial & Industrial		36,495			-			-		-			-			-			36,495
	Consumer		49			-			-		-			-			-			49
	Other		998			-			-		-			-			-			998
	Total	$	216,634		$	138		$	581	$	-		$	2,198		$	2,917		$	219,551
														90 Days
					30-59			60-89		90 Days or				or More
					Days			Days		More Past				Past Due		Total
					Past			Past		Due and			and Non-			Past
	30-Sep-14	Current			Due			Due		Accruing			Accrual			Due			Total
		(In thousands)
	Real estate:
	One-to-four-family	$	88,304		$	240		$	-	$	-		$	2,021		$	2,261		$	90,565
	Multi-family		28,658			-			-		-			-			-			28,658
	Non-residential		56,075			-			-		-			-			-			56,075
	Construction		174			-			-		-			-			-			174
	Home equity and second mortgages		8,416			-			50		-			187			237			8,653
			181,627			240			50		-			2,208			2,498			184,125
	Commercial & Industrial		39,678			511			-		-			157			668			40,346
	Consumer		51			-			-		4			-			4			55
	Total	$	221,356		$	751		$	50	$	4		$	2,365		$	3,170		$	224,526
Primary Segments of the Allowance for Loan Losses [Table Text Block]	The following table summarizes the primary segments of the ALLL, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2014 and September 30, 2014:
					Collectively			Individually
		ALLL			Evaluated for			Evaluated for
	31-Dec-14	Balance			Impairment			Impairment
		(In thousands)
	Real estate:
	One-to-four-family	$	257		$	256		$	1
	Multi-family		83			83			-
	Non-residential		189			189			-
	Home equity and second mortgages		27			22			5
			556			550			6
	Commercial & Industrial		100			100			-
	Consumer		4			4			-
	Total	$	660		$	654		$	6
					Collectively			Individually
		ALLL			Evaluated for			Evaluated for
	30-Sep-14	Balance			Impairment			Impairment
		(In thousands)
	Real estate:
	One-to-four-family	$	257		$	257		$	-
	Multi-family		83			83			-
	Non-residential		266			266			-
	Home equity and second mortgages		26			26			-
			632			632			-
	Commercial & Industrial		100			100			-
	Consumer		8			4			4
	Total	$	740		$	736		$	4
Activity in the Primary Segments of the Allowance for Loan Losses [Table Text Block]	The following table summarizes activity in the primary segments of the ALLL for the three month periods ended December 31, 2014 and 2013:
		Balance			Charge-								Balance
	31-Dec-14	30-Sep-14			offs			Recoveries		Provision			31-Dec-14
		(In thousands)
	Real estate:
	One-to-four-family	$	257		$	-		$	-	$	-		$	257
	Multi-family		83			-			-		-			83
	Non-residential		266			-			-		-77			189
	Home equity and second mortgages		26			-			-		1			27
			632			-			-		-76			556
	Commercial & Industrial		100			-151			-		151			100
	Consumer		8			-4			-		-			4
	Total	$	740		$	-155		$	-	$	75		$	660
		Balance			Charge-								Balance
	31-Dec-13	30-Sep-13			offs			Recoveries		Provision			31-Dec-13
		(In thousands)
	Real estate:
	One-to-four-family	$	225		$	-44		$	-	$	46		$	227
	Multi-family		48			-			-		-34			14
	Non-residential		374			-324			-		212			262
	Construction		7			-			-		-3			4
	Home equity and second mortgages		82			-			-		-1			81
			736			-368			-		220			588
	Commercial & Industrial		187			-9			-		-125			53
	Consumer		-			-			-		5			5
	Total	$	923		$	-377		$	-	$	100		$	646
Summary of Troubled Debt Restructurings [Table Text Block]
				Recorded Investment			Recorded Investment
		Number of Loans		Before Modification			After Modification
	Three Months Ended December 31, 2014	(Dollars in thousands)
	One-to-four-family	1		$	98		$	98
	Three Months Ended December 31, 2013
	One-to-four-family	1		$	523		$	523

Fair_Value_Measurements_and_Fa1

Fair Value Measurements and Fair Value of Financial Instruments (Tables)	3 Months Ended
	Dec. 31, 2014
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Financial Assets Measured at Fair Value on a Recurring Basis [Table Text Block]
						(Level 1)
						Quoted Prices in			(Level 2)			(Level 3)
			Fair			Active Markets for			Significant Other			Significant
	Description		Value			Identical Assets			Observable Inputs			Unobservable Inputs
			(In thousands)
	31-Dec-14
	Securities available for sale:
	U.S. Government Agencies		$	19,704		$	-		$	19,704		$	-
	Corporate bonds			4,433			-			4,433			-
	Municipal bonds			3,772			-			3,772			-
	Mortgage-backed securities			11,393			-			11,393			-
						(Level 1)
						Quoted Prices in			(Level 2)			(Level 3)
			Fair			Active Markets for			Significant Other			Significant
	Description		Value			Identical Assets			Observable Inputs			Unobservable Inputs
			(In thousands)
	30-Sep-14
	Securities available for sale:
	U.S. Government Agencies		$	19,573		$	-		$	19,573		$	-
	Corporate bonds			4,417			-			4,417			-
	Municipal bonds			3,789			-			3,789			-
	Mortgage-backed securities			11,586			-			11,586			-
Financial Assets Measured at Fair Value on a Non-Recurring Basis [Table Text Block]
			Fair Value		(Level 1)         Quoted Prices in Active Markets for Identical Assets		(Level 2)                 Significant Other Observable Inputs		(Level 3) Significant Unobservable Inputs
					(In thousands)
	31-Dec-14
	Impaired loans	$	590	$		$		$	590
	30-Sep-14
	Impaired loans	$	1,908	$		$		$	1,908
	Other real estate owned		183		-		-		183
Additional Quantitative Information About Assets Measured at Fair Value on a Nonrecurring Basis [Table Text Block]
			Fair Value estimate	Valuation techniques	Unobservable input	Range					Weighted average
	31-Dec-14
	Impaired loans	$	590	Appraisals (1)	Liquidation expenses (2)	2.58	%	to	3.25	%	2.68	%
			Fair Value estimate	Valuation techniques	Unobservable input	Range					Weighted average
	30-Sep-14
	Impaired loans	$	1,908	Appraisals (1)	Liquidation expenses (2)	4.02	%	to	5.67	%	4.84	%
	Other real estate owned		183	Appraisals (1)	Liquidation expenses (2)			6.0	%		6.0	%
	(Dollars in thousands)
		1)		Fair value is generally determined through discounted independent appraisals of the underlying collateral less any loan related liquidation expenses.
	Includes estimated liquidation expenses by borrower.
Fair Value, by Balance Sheet Grouping [Table Text Block]	The carrying amounts and estimated fair values of financial instruments at December 31, 2014 and September 30, 2014 are summarized as follows:
									(Level 1)
									Quoted Prices in			(Level 2)		(Level 3)
			Carrying			Fair			Active Markets for			Significant Other		Significant
	Description		Amount			Value			Identical Assets			Observable Inputs		Unobservable Inputs
			(In thousands)
	31-Dec-14
	Financial assets:
	Cash and cash equivalents		$	2,405		$	2,405		$	2,405		$	-	$	-
	Securities available-for-sale			39,302			39,302			-			39,302		-
	Loans receivable			218,891			220,870			-			-		220,870
	Accrued interest receivable			992			992			-			992
	Financial liabilities:
	Deposits			212,355			203,232			-			203,232		-
	FHLB-NY advances			26,905			26,909			-			26,909		-
	Accrued interest payable			57			57			-			57		-
									(Level 1)
									Quoted Prices in			(Level 2)		(Level 3)
			Carrying			Fair			Active Markets for			Significant Other		Significant
	Description		Amount			Value			Identical Assets			Observable Inputs		Unobservable Inputs
			(In thousands)
	30-Sep-14
	Financial assets:
	Cash and cash equivalents		$	3,147		$	3,147		$	3,147		$	-	$	-
	Securities available-for-sale			39,365			39,365			-			39,365		-
	Loans held for sale			349			349			-			349		-
	Loans receivable			223,786			221,189			-			-		221,189
	Accrued interest receivable			925			925			-			925		-
	Financial liabilities:
	Deposits			226,782			217,765			-			217,765		-
	FHLB-NY advances			18,950			20,976			-			20,976		-
	Accrued interest payable			109			109			-			109		-

Description_of_Business_and_Na1

Description of Business and Nature of Operations (Details) (USD $)	3 Months Ended
	Dec. 31, 2014
Business Acquisition, Share Price	$13.25
Business Acquisition, Termination Fee Due in the Event of Merger Termination	$1,000,000
Maximum [Member]
Reimbursable out-of-pocket expenses in event of breach	$350,000
Percent of dissenting shareholders allowed	10.00%

Net_Income_Per_Share_Details

Net Income Per Share (Details)	3 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Net Income Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	185,491
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	186,479	186,479

Retirement_Plan_Components_of_2

Retirement Plan - Components of Net Periodic Pension Cost (Components of Net Periodic Pension Cost) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Retirement Plan - Components of Net Periodic Pension Cost [Abstract]
Interest cost	$62	$62
Expected return on plan assets	-73	-73
Amortization of unrecognized loss	23	23
Total net periodic pension (credit) expense	$12	$12

Stock_Based_Compensation_Narra

Stock Based Compensation (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Award Requisite Service Period	5 years
Stock or Unit Option Plan Expense	$10	$10
Restricted Stock or Unit Expense	8	9
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	186,479	186,479
Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	205,516
Stock or Unit Option Plan Expense	10	10
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Stock Options	74
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	82,206
Restricted Stock or Unit Expense	8	9
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	$48

Securities_Narrative_Details

Securities (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Sep. 30, 2014
			loan
Proceeds from sale of securities available for sale	$0	$0
U.S. Government Agencies [Member]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	4		4
Municipal bonds [Member]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	1		1
Mortgage-backed securities [Member]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	1		1

Securities_AvailableforSale_Se

Securities (Available-for-Sale Securities) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Gross Unrealized Gains, Total	$317	$306
Gross Unrealized Losses, Total	356	506
Amortized Cost, Total	39,341	39,565
Available-for-sale Securities, Total	39,302	39,365
U.S. Government Agencies [Member]
Gross Unrealized Gain, Due after one but within five years	0	0
Gross Unrealized Gain, Due after five but within ten years	0	0
Gross Unrealized Gain, Due after ten years but within fifteen years	0	0
Gross Unrealized Losses, Due after one but within five years	25	30
Gross Unrealized Losses, Due after five but within ten years	223	241
Gross Unrealized Losses, Due after ten years but within fifteen years	40	148
Amortized Cost, Due after one but within five years	4,997	4,997
Amortized Cost, Due after five years but within ten years	9,995	9,995
Amortized Cost, Due after ten years but within fifteen years	5,000	5,000
Fair Value, Due after one but within five years	4,972	4,967
Fair Value, Due after five but within ten years	9,772	9,754
Fair Value, Due after ten but within fifteen years	4,960	4,852
Available-for-sale Securities, Total	19,704	19,573
Corporate bonds [Member]
Gross Unrealized Gain, Due after five but within ten years	74	53
Gross Unrealized Losses, Due after five but within ten years	0	0
Amortized Cost, Due after five years but within ten years	4,359	4,364
Fair Value, Due after five but within ten years	4,433	4,417
Available-for-sale Securities, Total	4,433	4,417
Municipal bonds [Member]
Gross Unrealized Gain, Due after one but within five years	9	17
Gross Unrealized Gain, Due after five but within ten years	59	58
Gross Unrealized Losses, Due after one but within five years	0	0
Gross Unrealized Losses, Due after five but within ten years	7	3
Amortized Cost, Due after one but within five years	1,277	1,281
Amortized Cost, Due after five years but within ten years	2,434	2,436
Fair Value, Due after one but within five years	1,286	1,298
Fair Value, Due after five but within ten years	2,486	2,491
Available-for-sale Securities, Total	3,772	3,789
Mortgage-backed securities [Member]
Gross Unrealized Gains	175	178
Gross Unrealized Losses	61	84
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	11,279	11,492
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	11,393	11,586
Available-for-sale Securities, Total	$11,393	$11,586

Securities_Age_of_Unrealized_L

Securities (Age of Unrealized Losses and Fair Value of Available-for-Sale Securities) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Less than 12 Months, Fair Value	$0	$0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	24,657	24,640
12 Months or More, Unrealized Losses	356	506
Total, Fair Value	24,657	24,640
Total, Unrealized Losses	356	506
U.S. Government Agencies [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	19,704	19,573
12 Months or More, Unrealized Losses	288	419
Total, Fair Value	19,704	19,573
Total, Unrealized Losses	288	419
Municipal bonds [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	1,318	1,324
12 Months or More, Unrealized Losses	7	3
Total, Fair Value	1,318	1,324
Total, Unrealized Losses	7	3
Mortgage-backed securities [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	3,635	3,743
12 Months or More, Unrealized Losses	61	84
Total, Fair Value	3,635	3,743
Total, Unrealized Losses	$61	$84

Loans_Loan_Balances_Details

Loans (Loan Balances) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	$182,026	$184,129
Commercial & Industrial	36,495	40,346
Consumer	49	55
Other	998	0
Total	219,568	224,530
Allowance for loan losses	-660	-740
Net deferred loan origination fees and costs	-17	-4
Loans receivable, net	218,891	223,786
One-to-four-family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	88,878	90,567
Multi-family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	28,620	28,659
Non-residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	55,673	56,076
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	292	174
Home equity and second mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate:	$8,563	$8,653

Loans_Primary_Segments_of_the_

Loans (Primary Segments of the Loan Portfolio) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Individually Evaluated for Impairment	$11,675	$11,153
Collectively Evaluated for Impairment	207,876	213,373
Total	219,551	224,526
Real Estate: [Member]
Individually Evaluated for Impairment	6,699	7,852
Collectively Evaluated for Impairment	175,310	176,273
Total	182,009	184,125
One-to-four-family [Member]
Individually Evaluated for Impairment	5,713	5,740
Collectively Evaluated for Impairment	83,158	84,825
Total	88,871	90,565
Multi-family [Member]
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	28,618	28,658
Total	28,618	28,658
Non-residential [Member]
Individually Evaluated for Impairment	527	1,738
Collectively Evaluated for Impairment	55,139	54,337
Total	55,666	56,075
Construction [Member]
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	291	174
Total	291	174
Home equity and second mortgages [Member]
Individually Evaluated for Impairment	459	374
Collectively Evaluated for Impairment	8,104	8,279
Total	8,563	8,653
Commercial and Industrial [Member]
Individually Evaluated for Impairment	4,976	3,297
Collectively Evaluated for Impairment	31,519	37,049
Total	36,495	40,346
Consumer [Member]
Individually Evaluated for Impairment	0	4
Collectively Evaluated for Impairment	49	51
Total	49	55
Other [Member]
Individually Evaluated for Impairment	0
Collectively Evaluated for Impairment	998
Total	$998

Loans_Impaired_Loans_by_Class_

Loans (Impaired Loans by Class) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	$596	$4
Impaired Loans with Specific Allowance, Related Allowance	6	4
Impaired Loans with No Specific Allowance, Recorded Investment	11,079	11,149
Total Impaired Loans, Recorded Investment	11,675	11,153
Total Impaired Loans, Unpaid Principal Balance	12,138	11,620
Real Estate: [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	596	0
Impaired Loans with Specific Allowance, Related Allowance	6	0
Impaired Loans with No Specific Allowance, Recorded Investment	6,103	7,852
Total Impaired Loans, Recorded Investment	6,699	7,852
Total Impaired Loans, Unpaid Principal Balance	7,162	8,319
One-to-four-family [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	506	0
Impaired Loans with Specific Allowance, Related Allowance	1	0
Impaired Loans with No Specific Allowance, Recorded Investment	5,207	5,740
Total Impaired Loans, Recorded Investment	5,713	5,740
Total Impaired Loans, Unpaid Principal Balance	5,843	5,874
Multi-family [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	0	0
Impaired Loans with Specific Allowance, Related Allowance	0	0
Impaired Loans with No Specific Allowance, Recorded Investment	0	0
Total Impaired Loans, Recorded Investment	0	0
Total Impaired Loans, Unpaid Principal Balance	0	0
Non-residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	0	0
Impaired Loans with Specific Allowance, Related Allowance	0	0
Impaired Loans with No Specific Allowance, Recorded Investment	527	1,738
Total Impaired Loans, Recorded Investment	527	1,738
Total Impaired Loans, Unpaid Principal Balance	860	2,071
Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	0	0
Impaired Loans with Specific Allowance, Related Allowance	0	0
Impaired Loans with No Specific Allowance, Recorded Investment	0	0
Total Impaired Loans, Recorded Investment	0	0
Total Impaired Loans, Unpaid Principal Balance	0	0
Home equity and second mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	90	0
Impaired Loans with Specific Allowance, Related Allowance	5	0
Impaired Loans with No Specific Allowance, Recorded Investment	369	374
Total Impaired Loans, Recorded Investment	459	374
Total Impaired Loans, Unpaid Principal Balance	459	374
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	0	0
Impaired Loans with Specific Allowance, Related Allowance	0	0
Impaired Loans with No Specific Allowance, Recorded Investment	4,976	3,297
Total Impaired Loans, Recorded Investment	4,976	3,297
Total Impaired Loans, Unpaid Principal Balance	4,976	3,297
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans subject to specific valuation allowances, recorded investment	0	4
Impaired Loans with Specific Allowance, Related Allowance	0	4
Impaired Loans with No Specific Allowance, Recorded Investment	0	0
Total Impaired Loans, Recorded Investment	0	4
Total Impaired Loans, Unpaid Principal Balance	$0	$4

Loans_Average_Investment_in_Im

Loans (Average Investment in Impaired Loans) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	$8,324	$7,719
Interest income recognized on an accrual basis on impaired loans	110	24
Interest income recognized on a cash basis on impaired loans	16	16
One-to-four-family [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	6,212	6,579
Interest income recognized on an accrual basis on impaired loans	32	21
Interest income recognized on a cash basis on impaired loans	11	16
Home equity and second mortgages [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	398	433
Interest income recognized on an accrual basis on impaired loans	2	3
Interest income recognized on a cash basis on impaired loans	2	0
Non-residential [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	633	707
Interest income recognized on an accrual basis on impaired loans	21	0
Interest income recognized on a cash basis on impaired loans	3	0
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	1,081	0
Interest income recognized on an accrual basis on impaired loans	55	0
Interest income recognized on a cash basis on impaired loans	0	0
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	0	0
Interest income recognized on an accrual basis on impaired loans	0	0
Interest income recognized on a cash basis on impaired loans	$0	$0

Loans_Classes_of_the_Loan_Port

Loans (Classes of the Loan Portfolio Summarized by the Aggregate Risk Level) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$219,551	$224,526
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	210,854	215,284
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	597	1,349
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	8,100	7,889
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	4
Real Estate: [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	182,009	184,125
Real Estate: [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	178,835	179,394
Real Estate: [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	50	139
Real Estate: [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	3,124	4,592
Real Estate: [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
One-to-four-family [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	88,871	90,565
One-to-four-family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	86,459	87,808
One-to-four-family [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
One-to-four-family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	2,412	2,757
One-to-four-family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Multi-family [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	28,618	28,658
Multi-family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	28,618	28,658
Multi-family [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Multi-family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Multi-family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Non-residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	55,666	56,075
Non-residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	55,139	54,337
Non-residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Non-residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	527	1,738
Non-residential [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	291	174
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	291	174
Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Home equity and second mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	8,563	8,653
Home equity and second mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	8,328	8,417
Home equity and second mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	50	139
Home equity and second mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	185	97
Home equity and second mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	36,495	40,346
Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	30,972	35,839
Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	547	1,210
Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	4,976	3,297
Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	49	55
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	49	51
Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	4
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	998
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	998
Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0
Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0
Other [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$0

Loans_Classes_of_the_Loan_Port1

Loans (Classes of the Loan Portfolio Summarized by the Aging Categories of Performing Loans and Nonaccrual Loans) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$216,634	$221,356
30 to 59 Days Past Due	138	751
60 to 89 Days Past Due	581	50
90 Days or More Past Due and Accruing	0	4
90 Days or More Past Due and Non-Accrual	2,198	2,365
Total Past Due	2,917	3,170
Total	219,551	224,526
Real Estate: [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	179,092	181,627
30 to 59 Days Past Due	138	240
60 to 89 Days Past Due	581	50
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	2,198	2,208
Total Past Due	2,917	2,498
Total	182,009	184,125
One-to-four-family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	86,164	88,304
30 to 59 Days Past Due	113	240
60 to 89 Days Past Due	581	0
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	2,013	2,021
Total Past Due	2,707	2,261
Total	88,871	90,565
Multi-family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	28,618	28,658
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	0	0
Total Past Due	0	0
Total	28,618	28,658
Non-residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	55,666	56,075
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	0	0
Total Past Due	0	0
Total	55,666	56,075
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	291	174
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	0	0
Total Past Due	0	0
Total	291	174
Home equity and second mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	8,353	8,416
30 to 59 Days Past Due	25	0
60 to 89 Days Past Due	0	50
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	185	187
Total Past Due	210	237
Total	8,563	8,653
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	36,495	39,678
30 to 59 Days Past Due	0	511
60 to 89 Days Past Due	0	0
90 Days or More Past Due and Accruing	0	0
90 Days or More Past Due and Non-Accrual	0	157
Total Past Due	0	668
Total	36,495	40,346
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	49	51
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days or More Past Due and Accruing	0	4
90 Days or More Past Due and Non-Accrual	0	0
Total Past Due	0	4
Total	49	55
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	998
30 to 59 Days Past Due	0
60 to 89 Days Past Due	0
90 Days or More Past Due and Accruing	0
90 Days or More Past Due and Non-Accrual	0
Total Past Due	0
Total	$998

Loans_Primary_Segments_of_the_1

Loans (Primary Segments of the Allowance for Loan Losses) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	$660	$740	$646	$923
Collectively Evaluated for Impairment	654	736
Individually Evaluated for Impairment	6	4
Real Estate: [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	556	632	588	736
Collectively Evaluated for Impairment	550	632
Individually Evaluated for Impairment	6	0
One-to-four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	257	257	227	225
Collectively Evaluated for Impairment	256	257
Individually Evaluated for Impairment	1	0
Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	83	83	14	48
Collectively Evaluated for Impairment	83	83
Individually Evaluated for Impairment	0	0
Non-residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	189	266	262	374
Collectively Evaluated for Impairment	189	266
Individually Evaluated for Impairment	0	0
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance			4	7
Home equity and second mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	27	26	81	82
Collectively Evaluated for Impairment	22	26
Individually Evaluated for Impairment	5	0
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	100	100	53	187
Collectively Evaluated for Impairment	100	100
Individually Evaluated for Impairment	0	0
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
ALLL Balance	4	8	5	0
Collectively Evaluated for Impairment	4	4
Individually Evaluated for Impairment	$0	$4

Loans_Activity_in_the_Primary_

Loans (Activity in the Primary Segments of the Allowance for Loan Losses) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$740	$923
Charge-offs	-155	-377
Recoveries	0	0
Provision	75	100
Ending Balance	660	646
Real Estate: [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	632	736
Charge-offs	0	-368
Recoveries	0	0
Provision	-76	220
Ending Balance	556	588
One-to-four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	257	225
Charge-offs	0	-44
Recoveries	0	0
Provision	0	46
Ending Balance	257	227
Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	83	48
Charge-offs	0	0
Recoveries	0	0
Provision	0	-34
Ending Balance	83	14
Non-residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	266	374
Charge-offs	0	-324
Recoveries	0	0
Provision	-77	212
Ending Balance	189	262
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance		7
Charge-offs		0
Recoveries		0
Provision		-3
Ending Balance		4
Home equity and second mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	26	82
Charge-offs	0	0
Recoveries	0	0
Provision	1	-1
Ending Balance	27	81
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	100	187
Charge-offs	-151	-9
Recoveries	0	0
Provision	151	-125
Ending Balance	100	53
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	8	0
Charge-offs	-4	0
Recoveries	0	0
Provision	0	5
Ending Balance	$4	$5

Loans_Summary_of_Troubled_Debt

Loans (Summary of Troubled Debt Restructurings) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
	loan	loan
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	1
One-to-four-family [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts	1	1
Financing Receivable, Modifications, Pre-Modification Recorded Investment	98	523
Financing Receivable, Modifications, Post-Modification Recorded Investment	98	523

Fair_Value_Measurements_and_Fa2

Fair Value Measurements and Fair Value of Financial Instruments (Financial Assets Measured at Fair Value on a Recurring Basis) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$39,302	$39,365
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	19,704	19,573
Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	4,433	4,417
Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	3,772	3,789
Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	11,393	11,586
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	39,302	39,365
(Level 2) Significant Other Observable Inputs [Member] | U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	19,704	19,573
(Level 2) Significant Other Observable Inputs [Member] | Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	4,433	4,417
(Level 2) Significant Other Observable Inputs [Member] | Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	3,772	3,789
(Level 2) Significant Other Observable Inputs [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	11,393	11,586
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 3) Significant Unobservable Inputs [Member] | U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 3) Significant Unobservable Inputs [Member] | Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 3) Significant Unobservable Inputs [Member] | Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
(Level 3) Significant Unobservable Inputs [Member] | Mortgage-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$0	$0

Fair_Value_Measurements_and_Fa3

Fair Value Measurements and Fair Value of Financial Instruments (Financial Assets Measured at Fair Value on a Non-Recurring Basis) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$590	$1,908
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		183
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		0
(Level 2) Significant Other Observable Inputs [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
(Level 2) Significant Other Observable Inputs [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		0
(Level 3) Significant Unobservable Inputs [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	590	1,908
(Level 3) Significant Unobservable Inputs [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		$183

Fair_Value_Measurements_and_Fa4

Fair Value Measurements and Fair Value of Financial Instruments (Additional Quantitative Information About Assets Measured at Fair Value on a Nonrecurring Basis) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$590	$1,908
Valuation techniques	Appraisals (1)	Appraisals (1)	[1]
Unobservable input	Liquidation expenses (2)	Liquidation expenses (2)	[2]
Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		183
Valuation techniques		Appraisals (1)	[1]
Unobservable input		Liquidation expenses (2)	[2]
Fair Value Inputs, Discount Rate		6.00%
(Level 3) Significant Unobservable Inputs [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	590	1,908
(Level 3) Significant Unobservable Inputs [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		$183
Maximum [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	3.25%	5.67%
Minimum [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	2.58%	4.02%
Weighted Average [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	2.68%	4.84%
Weighted Average [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate		6.00%
[1]	Fair value is generally determined through discounted independent appraisals of the underlying collateral less any loan related liquidation expenses.
[2]	Includes estimated liquidation expenses by borrower.

Fair_Value_Measurements_and_Fa5

Fair Value Measurements and Fair Value of Financial Instruments (Fair Value of Financial Instruments) (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$2,405	$3,147	$3,354	$2,477
Securities available-for-sale	39,302	39,365
Loans held for sale	0	349
Loans receivable	218,891	223,786
Accrued interest receivable	992	925
Deposits	212,355	226,782
FHLB-NY advances	26,905	18,950
Accrued interest payable	57	109
Cash and cash equivalents, Fair Value Disclosure	2,405	3,147
Loans held for sale, Fair Value Disclosure		349
Loans receivable, Fair Value Disclosure	220,870	221,189
Accrued interest receivable, Fair Value Disclosure	992	925
Deposits, Fair Value Disclosure	203,232	217,765
FHLB-NY advances, Fair Value Disclosure	26,909	20,976
Accrued interest payable, Fair Value Disclosure	57	109
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale	0	0
Cash and cash equivalents, Fair Value Disclosure	2,405	3,147
Loans held for sale, Fair Value Disclosure		0
Loans receivable, Fair Value Disclosure	0	0
Accrued interest receivable, Fair Value Disclosure	0	0
Deposits, Fair Value Disclosure	0	0
FHLB-NY advances, Fair Value Disclosure	0	0
Accrued interest payable, Fair Value Disclosure	0	0
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale	39,302	39,365
Cash and cash equivalents, Fair Value Disclosure	0	0
Loans held for sale, Fair Value Disclosure		349
Loans receivable, Fair Value Disclosure	0	0
Accrued interest receivable, Fair Value Disclosure	992	925
Deposits, Fair Value Disclosure	203,232	217,765
FHLB-NY advances, Fair Value Disclosure	26,909	20,976
Accrued interest payable, Fair Value Disclosure	57	109
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale	0	0
Cash and cash equivalents, Fair Value Disclosure	0	0
Loans held for sale, Fair Value Disclosure		0
Loans receivable, Fair Value Disclosure	220,870	221,189
Accrued interest receivable, Fair Value Disclosure	0	0
Deposits, Fair Value Disclosure	0	0
FHLB-NY advances, Fair Value Disclosure	0	0
Accrued interest payable, Fair Value Disclosure	$0	$0

Federal_Home_Loan_Bank_of_New_1

Federal Home Loan Bank of New York Stock (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014
Federal Home Loan Bank Of New York Stock [Abstract]
Other than Temporary Impairment Losses, Investments	$0	$0