IF Bancorp (IROQ) 10-Q 12 Feb 25 2025 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Dec. 31, 2024	Feb. 03, 2025
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2024
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q2
Trading Symbol	IROQ
Entity Registrant Name	IF Bancorp, Inc.
Entity Central Index Key	0001514743
Current Fiscal Year End Date	--06-30
Entity Current Reporting Status	Yes
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		3,351,526
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, $0.01 par value
Security Exchange Name	NASDAQ
Entity Address, State or Province	IL
Entity Address, Address Line One	201 East Cherry Street
Entity Address, City or Town	Watseka
City Area Code	815
Local Phone Number	432-2476
Entity Tax Identification Number	45-1834449
Entity Incorporation, State or Country Code	MD
Entity File Number	001-35226
Entity Address, Postal Zip Code	60970

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Assets
Cash and due from banks	$ 5,683	$ 9,276
Interest-bearing demand deposits	223	295
Cash and cash equivalents	5,906	9,571
Interest-bearing time deposits in banks	250	250
Available-for-sale securities	182,890	190,475
Loans, net of allowance for credit losses of $7,346 and $7,499 at December 31, 2024 and June 30, 2024, respectively	647,664	639,297
Premises and equipment, net of accumulated depreciation of $9,506 and $9,196 at December 31, 2024 and June 30, 2024, respectively	10,413	10,580
Federal Home Loan Bank stock, at cost	5,670	4,499
Accrued interest receivable	3,979	3,457
Bank-owned life insurance	15,119	14,892
Mortgage servicing rights	1,478	1,491
Deferred income taxes	10,240	10,483
Other	1,540	2,750
Total assets	$ 885,149	$ 887,745
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable	Accrued interest receivable
Deposits
Demand	$ 37,812	$ 103,314
Savings, NOW and money market	319,559	304,230
Certificates of deposit	294,968	290,633
Brokered certificates of deposit	29,787	29,000
Total deposits	682,126	727,177
Repurchase agreements	18,439	17,772
Federal Home Loan Bank advances	98,999	32,999
Other borrowings	0	25,250
Advances from borrowers for taxes and insurance	785	968
Accrued post-retirement benefit obligation	2,259	2,256
Accrued interest payable	2,201	3,009
Allowance for credit losses on off-balance sheet credit exposures	64	98
Other	4,337	4,300
Total liabilities	809,210	813,829
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,351,526 and 3,353,026 shares issued and outstanding at December 31, 2024 and June 30, 2024, respectively	33	33
Additional paid-in capital	52,101	51,913
Unearned ESOP shares, at cost, 125,093 and 134,715 shares at December 31, 2024 and June 30, 2024, respectively	(1,251)	(1,347)
Retained earnings	45,085	43,876
Accumulated other comprehensive loss, net of tax	(20,029)	(20,559)
Total stockholders' equity	75,939	73,916
Total liabilities and stockholders' equity	$ 885,149	$ 887,745

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 7,346	$ 7,499
Premises and equipment, accumulated depreciation	$ 9,506	$ 9,196
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	3,351,526	3,353,026
Common stock, shares outstanding	3,351,526	3,353,026
Unearned ESOP shares	125,093	134,715

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Interest and Dividend Income
Interest and fees on loans	$ 9,564	$ 8,702	$ 19,039	$ 16,435
Securities:
Taxable	1,266	1,365	2,519	2,760
Tax-exempt	23	25	46	51
Federal Home Loan Bank dividends	101	78	214	146
Deposits with other financial institutions	56	59	105	128
Total interest and dividend income	11,010	10,229	21,923	19,520
Interest Expense
Deposits	4,694	4,336	9,447	8,171
Federal Home Loan Bank advances and repurchase agreements	1,089	1,355	2,122	2,228
Line of credit and other borrowings	210	150	516	150
Total interest expense	5,993	5,841	12,085	10,549
Net Interest Income	5,017	4,388	9,838	8,971
Provision (Credit) for Credit Losses	(450)	364	(68)	586
Net Interest Income After Provision (Credit) for Credit Losses	5,467	4,024	9,906	8,385
Noninterest Income
Insurance commissions	214	203	398	374
Brokerage commissions	183	157	361	319
Net realized gains (losses) on sales of available-for-sale securities	0	0	(71)	0
Mortgage banking income (loss), net	198	(48)	156	92
Gain on sale of loans	72	38	169	110
Bank-owned life insurance income, net	114	105	229	206
Other	287	289	1,048	600
Total noninterest income	1,257	915	2,665	2,043
Noninterest Expense
Compensation and benefits	3,184	2,832	6,252	5,848
Office occupancy	256	288	535	577
Equipment	568	593	1,147	1,139
Federal deposit insurance	124	162	256	300
Stationary, printing and office	29	20	51	30
Advertising	86	105	187	182
Professional services	163	137	299	229
Supervisory examinations	32	27	57	54
Audit and accounting services	22	23	114	106
Organizational dues and subscriptions	5	6	27	29
Insurance bond premiums	68	54	132	113
Telephone and postage	49	32	95	73
Loss on foreclosed assets, net	0	2	0	2
Other	456	426	886	873
Total noninterest expense	5,042	4,707	10,038	9,555
Income Before Income Tax	1,682	232	2,533	873
Provision for Income Tax	463	47	681	222
Net Income	$ 1,219	$ 185	$ 1,852	$ 651
Earnings Per Share:
Basic	$ 0.38	$ 0.06	$ 0.57	$ 0.2
Diluted	0.38	0.06	0.57	0.2
Dividends declared per common share	$ 0	$ 0	$ 0.2	$ 0.2
Customer Service Fees [Member]
Noninterest Income
Noninterest income	$ 121	$ 108	$ 246	$ 209
Other Service Charges and Fees [Member]
Noninterest Income
Noninterest income	$ 68	$ 63	$ 129	$ 133

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
Net Income	$ 1,219	$ 185	$ 1,852	$ 651
Other Comprehensive Income (Loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $(1,683) and $2,706, for 2024 and 2023, respectively	(4,221)	6,787	482	1,667
Less: reclassification adjustment for realized losses included in net income, net of taxes of $(20) and $0, for 2024 and 2023, respectively			(51)	0
Accumulated other comprehensive income (loss) before tax			533	1,667
Change in postretirement health plan gains and losses, net of taxes of $(1) and $0 for 2024 and 2023, respectively	(1)	1	(3)	2
Other comprehensive income (loss), net of tax	(4,222)	6,788	530	1,669
Comprehensive Income (Loss)	$ (3,003)	$ 6,973	$ 2,382	$ 2,320

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($)	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
Unrealized appreciation (depreciation) on available-for-sale securities, tax	$ 1,683	$ 2,706	$ 192	$ 664
Reclassification adjustment for realized gains (losses) included in net income, tax			20	0
Change in postretirement health plan gains and losses, net of taxes	$ 1	$ 0	$ 1	$ 1

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Stockholders' Equity - USD ($)	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Unearned ESOP Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]
Beginning Balance at Jun. 30, 2023	$ 71,753,000	$ 33,000	$ 51,543,000	$ (1,540,000)	$ 43,365,000	$ (21,648,000)
Net income	651,000				651,000
Other comprehensive income (loss)	1,669,000					1,669,000
Dividends on common stock, $0.20 per share	(639,000)				(639,000)
Stock equity plan	163,000		163,000
ESOP shares earned	144,000		47,000	97,000
Ending Balance at Dec. 31, 2023	73,741,000	33,000	51,753,000	(1,443,000)	43,377,000	(19,979,000)
Beginning Balance at Sep. 30, 2023	66,591,000	33,000	51,657,000	(1,491,000)	43,159,000	(26,767)
Net income	185,000				185,000
Other comprehensive income (loss)	6,788,000					6,788,000
Dividends paid on unearned ESOP	33,000				33,000
Stock equity plan	73,000		73,000
ESOP shares earned	71,000		23,000	48,000
Ending Balance at Dec. 31, 2023	73,741,000	33,000	51,753,000	(1,443,000)	43,377,000	(19,979,000)
Beginning Balance at Jun. 30, 2024	73,916,000	33,000	51,913,000	(1,347,000)	43,876,000	(20,559,000)
Net income	1,852,000				1,852,000
Other comprehensive income (loss)	530,000					530,000
Dividends on common stock, $0.20 per share	(643,000)				(643,000)
Stock equity plan	95,000		95,000
ESOP shares earned	189,000		93,000	96,000
Ending Balance at Dec. 31, 2024	75,939,000	33,000	52,101,000	(1,251,000)	45,085,000	(20,029,000)
Beginning Balance at Sep. 30, 2024	78,765,000	33,000	51,999,000	(1,299,000)	43,839,000	(15,807,000)
Net income	1,219,000				1,219,000
Other comprehensive income (loss)	(4,222,000)					(4,222,000)
Dividends paid on unearned ESOP	27,000				27,000
Stock equity plan	46,000		46,000
ESOP shares earned	104,000		56,000	48,000
Ending Balance at Dec. 31, 2024	$ 75,939,000	$ 33,000	$ 52,101,000	$ (1,251,000)	$ 45,085,000	$ (20,029,000)

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Dividends declared per common share	$ 0	$ 0	$ 0.2	$ 0.2
ESOP shares earned, shares	4,811	4,811	9,622	9,622

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Operating Activities
Net income	$ 1,852	$ 651
Items not requiring (providing) cash
Depreciation	310	345
Provision (credit) for credit losses	(68)	586
Amortization (accretion) of premiums and discounts on securities	(74)	(116)
Deferred income taxes	32	63
Net realized gains on loan sales	(169)	(110)
Net realized losses on sales of available-for-sale securities	71	0
Loss (gain) on foreclosed assets held for sale	0	2
Bank-owned life insurance income, net	(227)	(206)
Originations of loans held for sale	(4,629)	(5,764)
Proceeds from sales of loans held for sale	4,811	5,257
ESOP compensation expense	189	144
Stock equity plan expense	95	163
Changes in
Accrued interest receivable	(522)	(977)
Other assets	1,210	2,010
Accrued interest payable	(808)	1,183
Post-retirement benefit obligation	(1)	14
Other liabilities	(61)	(2,126)
Net cash provided by operating activities	2,011	1,119
Investing Activities
Net change in interest bearing time deposits	0	500
Purchases of available-for-sale securities	(6,179)	(1,977)
Proceeds from sales of available-for-sale securities	4,665	0
Proceeds from maturities and pay downs of available-for-sale securities	9,847	5,793
Net change in loans	(8,236)	(66,152)
Purchase of premises and equipment	(143)	(107)
Proceeds from sale of foreclosed assets	1	25
Purchase of Federal Home Loan Bank stock	(1,339)	(2,292)
Redemption of Federal Home Loan Bank stock	168	0
Net cash used in investing activities	(1,216)	(64,210)
Financing Activities
Net decrease in demand deposits, money market, NOW and savings accounts	(50,173)	(91,738)
Net increase in certificates of deposit, including brokered certificates	5,122	34,469
Net increase (decrease) in advances from borrowers for taxes and insurance	(183)	2
Proceeds from other borrowings	51,600	229,625
Repayments of other borrowings	(76,850)	(195,250)
Proceeds from Federal Home Loan Bank advances	362,500	414,050
Repayments of Federal Home Loan Bank advances	(296,500)	(335,500)
Net increase in repurchase agreements	667	5,253
Dividends paid	(643)	(639)
Net cash provided by (used in) financing activities	(4,460)	60,272
Net Decrease in Cash and Cash Equivalents	(3,665)	(2,819)
Cash and Cash Equivalents, Beginning of Period	9,571	10,988
Cash and Cash Equivalents, End of Period	5,906	8,169
Supplemental Cash Flows Information
Interest paid	12,893	9,366
Income taxes paid (net of refunds)	333	108
Foreclosed assets in the settlement of loans	$ 1	$ 3

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 1,219	$ 185	$ 1,852	$ 651

Insider Trading Arrangements

Insider Trading Arrangements	6 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Financial Statement Pr

Basis of Financial Statement Presentation	6 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Financial Statement Presentation	Note 1: Basis of Financial Statement Presentation IF Bancorp, Inc., (“IF Bancorp” or the “Company”) is a Maryland corporation whose principal activity is the ownership and management of its wholly owned subsidiary, Iroquois Federal Savings and Loan Association (“Iroquois Federal” or the “Association”). The unaudited condensed consolidated financial statements include the accounts of the Company, the Association, and the Association’s wholly owned subsidiary, L.C.I. Service Corporation. All significant intercompany accounts and transactions have been eliminated in consolidation. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial reporting and with instructions for Form 10–Q and Regulation S–X. Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations. The preparation of consolidated financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the balance sheet date and revenues and expenses for the period. Actual results could differ from these estimates. In the opinion of management, the preceding unaudited condensed consolidated financial statements contain all adjustments (consisting only of normal recurring accruals) necessary for a fair presentation of the financial condition of the Company as of December 31, 2024 and June 30, 2024, and the results of its operations for the three month and six month periods ended December 31, 2024 and 2023. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K six-month Revenue Recognition Accounting Standards Codification (“ASC”) 606, Revenue from Contracts with Customers The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit and investments securities, as well as revenue related to our mortgage servicing activities and bank owned life insurance, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, and which are presented in our income statements as components of noninterest income are as follows: • • • •

New Accounting Pronouncements

New Accounting Pronouncements	6 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements In March 2022, FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . 310-40, Receivables—Troubled Debt Restructurings by Creditors 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost 2022-02, In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) Improvements to Reportable Segment Disclosures 10-K 10-Q In December 2023, the FASB issued ASU 2023-09, Improvements to Income Tax Disclosures.

Stock-based Compensation

Stock-based Compensation	6 Months Ended
	Dec. 31, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-based Compensation	Note 3: Stock-based Compensation In connection with the conversion to stock form, the Association established an ESOP for the exclusive benefit of eligible employees (all salaried employees who have completed at least 1,000 six two five The Company is accounting for its ESOP in accordance with ASC Topic 718, Employers Accounting for Employee Stock Ownership Plans A summary of ESOP shares at December 31, 2024 and June 30, 2024 are as follows (dollars in thousands): December 31, 2024 June 30, 2024 Allocated shares 182,287 170,696 Shares committed for release 9,622 19,245 Unearned shares 125,093 134,715 Total ESOP shares 317,002 324,656 Fair value of unearned ESOP shares (1) $ 2,915 $ 2,180 (1) Based on closing price of $23.30 and $16.18 per share on December 31, 2024, and June 30, 2024, respectively. During the six months ended December 31, 2024, 7,091 ESOP shares were paid to ESOP participants due to separation from service and 563 shares were transferred out as a result of participant diversification. During the six months ended December 31, 2023, 6,086 ESOP shares were paid to ESOP participants due to separation from service and 2,405 shares were transferred out as a result of participant diversification. The IF Bancorp, Inc. 2012 Equity Incentive Plan (the “Equity Incentive Plan”) was approved by stockholders in 2012 for a ten-year non-qualified replaced by the 2022 Equity Incentive Plan when the stockholders approved the new plan on November 21, 2022. The new plan authorizes the issuance or delivery to participants of up to 264,850 shares of the Company common stock pursuant to grants of incentive and non-qualified On December 10, 2013, 85,500 shares of restricted stock and 167,000 in stock options were awarded to senior officers and directors of the Association. These shares of restricted stock vested in equal installments over 10 years and the stock options vested in equal installments over 7 years. Vesting of both the restricted stock and options started in December 2014, and were fully vested in December 2023. On December 10, 2015, 16,900 shares of restricted stock were awarded to senior officers and directors of the Association. These shares of restricted stock vested in equal installments over 8 years, starting in December 2016, and were fully vested in December 2023. On September 9, 2022, 53,000 shares of restricted stock were awarded to senior officers and directors of the Association. These shares of restricted stock will vest in equal installments over 5 years, starting in September 2023. No shares have been granted from the 2022 Equity Incentive Plan as of December 31, 2024, so there are 211,888 shares of restricted stock and 52,970 stock option shares available for future grants under this plan. No stock options were outstanding at December 31, 2024, June 30, 2024 or December 31, 2023. No stock options were granted or vested during the three or six months ended December 31, 2024 and 2023. The following table summarizes non-vested Shares Weighted-Average Grant- Balance, June 30, 2024 40,800 $ 19.10 Granted —  —  Forfeited 1,500 19.10 Earned and issued 10,200 19.10 Balance, December 31, 2024 29,100 $ 19.10 The fair value of the restricted stock awards is amortized to compensation expense over the vesting period and is based on the market price of the Company’s common stock at the date of grant multiplied by the number of shares granted that are expected to vest. At the date of grant the par value of the shares granted was recorded in equity as a credit to common stock and a debit to paid-in non-interest non-vested paid-in

Earnings Per Common Share ("EPS

Earnings Per Common Share ("EPS")	6 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Common Share ("EPS")	Note 4: Earnings Per Common Share (“EPS”) Basic and diluted earnings per common share are presented for the three month and six month periods ended December 31, 2024 and 2023. The factors used in the earnings per common share computation follow: Three Months Ended Three Months Ended Six Months Ended December 31, 2024 Six Months Ended Net income $ 1,219 $ 185 $ 1,852 $ 651 Basic weighted average shares outstanding 3,353,010 3,354,626 3,353,018 3,354,626 Less: Average unallocated ESOP shares (127,498 ) (146,743 ) (129,904 ) (149,149 ) Basic average shares outstanding 3,225,512 3,207,883 3,223,114 3,205,477 Diluted effect of restricted stock awards and stock options —  —  —  —  Diluted average shares outstanding 3,225,512 3,207,883 3,223,114 3,205,477 Basic earnings per common share $ 0.38 $ 0.06 $ 0.57 $ 0.20 Diluted earnings per common share $ 0.38 $ 0.06 $ 0.57 $ 0.20

Securities

Securities	6 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Securities	Note 5: Securities The amortized cost and approximate fair value of securities, together with gross unrealized gains and losses, of securities are as follows: Amortized Gross Gross Fair Value Available-for-sale December 31, 2024: U.S. Government and federal agency $ 3,982 $ —  $ (245 ) $ 3,737 Mortgage-backed: GSE residential 188,708 —  (25,873 ) 162,835 Small Business Administration 15,720 —  (2,183 ) 13,537 State and political subdivisions 2,783 —  (2 ) 2,781 $ 211,193 $ —  $ (28,303 ) $ 182,890 June 30, 2024: U.S. Treasury $ 497 $ —  $ (53 ) $ 444 U.S. Government and federal agency 6,979 —  (370 ) 6,609 Mortgage-backed: GSE residential 192,556 41 (26,361 ) 166,236 Small Business Administration 16,387 —  (2,301 ) 14,086 State and political subdivisions 3,104 —  (4 ) 3,100 $ 219,523 $ 41 $ (29,089 ) $ 190,475 Available for sale securities (“AFS”), which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses, net of tax, are reported in accumulated other comprehensive income (loss), a component of stockholders’ equity. All securities have been classified as available for sale. Premiums and discounts on debt securities are amortized or accreted as adjustments to income over the estimated life of the security using the level yield method or to the earlier of call or maturity date. Realized gains or losses on the sale of securities is based on the specific identification method. The fair value of securities is based on quoted market prices or dealer quotes. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities. For AFS securities with fair value less than amortized cost that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income (loss). The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections, and is recorded to the allowance for credit losses (ACL) on investments, by a charge to provision for credit losses. Accrued interest receivable At adoption of ASU 2016-13, Changes in the ACL are recorded as expense. Losses are charged against the ACL when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. The Company did not hold securities of any one issuer at December 31, 2024 with a book value that exceeded 10% of the Company’s total equity except for Mortgage-backed GSE residential securities and Small Business Administration securities with a book value of approximately $188,708,000 and $15,720,000, respectively, and a market value of approximately $162,835,000 and $13,537,000, respectively, at December 31, 2024. All mortgage-backed securities at December 31, 2024 and June 30, 2024 were issued by GSEs. The amortized cost and fair value of available-for-sale Available-for-sale Securities Amortized Fair Within one year $ 3,034 $ 3,025 One to five years 3,910 3,613 Five to ten years 6,259 5,766 After ten years 9,282 7,651 22,485 20,055 Mortgage-backed securities 188,708 162,835 Totals $ 211,193 $ 182,890 The carrying value of securities pledged as collateral to secure public deposits and for other purposes was $71,977,000 and $118,577,000 as of December 31, 2024 and June 30, 2024, respectively. The carrying value of securities sold under agreement to repurchase amounted to $18.4 million at December 31, 2024 and $17.8 million at June 30, 2024. At December 31, 2024, all $18.4 million of our repurchase agreements had an overnight maturity, and all were secured by U.S. Government, federal agency and GSE securities. The right of offset for a repurchase agreement resembles a secured borrowing, whereby the collateral pledged by the Company would be used to settle the fair value of the repurchase agreement should the Company be in default. The collateral is held by the Company in a segregated custodial account. In the event the collateral fair value falls below stipulated levels, the Company will pledge additional securities. The Company closely monitors collateral levels to ensure adequate levels are maintained. Gross gains of $30,000 and $0 and gross losses of $101,000 and $0 resulting from sales of available-for-sale Certain investments in debt securities are reported in the consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2024 and June 30, 2024, was $181,142,000 and $185,652,000, respectively, which is approximately 99% and 97% of the Company’s available-for-sale The following table shows the Company’s gross unrealized investment losses and the fair value of the Company’s investments with unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2024 and June 30, 2024:  Less Than 12 Months 12 Months or More Total Description of Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized December 31, 2024: U.S. Government and federal agency $ —  $ —  $ 3,737 $ (245 ) $ 3,737 $ (245 ) Mortgage-backed: GSE residential 8,559 (251 ) 154,276 (25,622 ) 162,835 (25,873 ) Small Business Administration 1,230 (42 ) 12,307 (2,141 ) 13,537 (2,183 ) State and political subdivisions 1,033 (2 ) —  —  1,033 (2 ) Total  $ 10,822 $ (295 ) $ 170,320 $ (28,008 ) $ 181,142 $ (28,303 ) June 30, 2024: U.S. Treasury $ —  $ —  $ 444 $ (53 ) $ 444 $ (53 ) U.S. Government and federal agency —  —  6,609 (370 ) 6,609 (370 ) Mortgage-backed: GSE residential 945 (1 ) 162,525 (26,360 ) 163,470 (26,361 ) Small Business Administration —  —  14,086 (2,301 ) 14,086 (2,301 ) State and political subdivisions 1,043 (4 ) —  —  1,043 (4 ) Total $ 1,988 $ (5 ) $ 183,664 $ (29,084 ) $ 185,652 $ (29,089 ) As of December 31, 2024, the Company’s available-for-sale The unrealized losses on the Company’s investment in U.S. Treasury, U.S. Government and federal agency, Mortgage-backed Government sponsored enterprises, Small Business Administration, and state and political subdivisions securities at December 31, 2024 and June 30, 2024, were mostly the result of a decline in market value that was attributable to changes in interest rates and not credit quality, and the Company does not consider those investments to be impaired at December 31, 2024 and June 30, 2024.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	6 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses	Note 6: Loans and Allowance for Credit Losses Classes of loans include: December 31, 2024 June 30, 2024 Real estate loans: One- $ 177,733 $ 177,263 Multi-family 129,371 126,031 Commercial 205,348 200,017 Home equity lines of credit 9,887 9,859 Construction 31,326 33,708 Commercial 94,042 91,784 Consumer 6,926 7,727 Total loans 654,633 646,389 Less: Unearned fees and discounts, net (377 ) (407 ) Allowance for credit losses 7,346 7,499 Loans, net $ 647,664 $ 639,297 The Company had no loans held for sale as of December 31, 2024 and June 30, 2024. The Company believes that sound loans are a necessary and desirable means of employing funds available for investment. Recognizing the Company’s obligations to its depositors and to the communities it serves, authorized personnel are expected to seek to develop and make sound, profitable loans that resources permit and that opportunity affords. The Company maintains lending policies and procedures designed to focus our lending efforts on the types, locations, and duration of loans most appropriate for our business model and markets. The Company’s lending activity includes the origination of one- Management reviews and approves the Company’s lending policies and procedures on a routine basis. Management routinely (at least quarterly) reviews our allowance for credit losses and reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing The Company’s policies and loan approval limits are established by the Board of Directors. The structure of the Company’s loan approval process is based on progressively larger lending authorities granted to loan officers, loan committees, and ultimately the Board of Directors through its Operating Committee, consisting of the Chairman and at least four other Board members. At no time is a borrower’s total borrowing relationship to exceed our regulatory lending limit. Loans to related parties, including executive officers and the Company’s directors, are reviewed for compliance with regulatory guidelines and the Board of Directors at least annually. The Company conducts internal loan reviews that validate the loans against the Company’s loan policy quarterly for mortgage, consumer, and small commercial loans on a sample basis, and all larger commercial loans on an annual basis. The Association also receives independent loan reviews performed by a third party on larger commercial loans to be performed annually. In addition to compliance with our policy, the loan review process reviews the risk assessments made by our credit department, lenders and loan committees. Results of these reviews are presented to management, Audit Committee and the Board of Directors. The Company’s lending can be summarized into six primary areas: one- One- The Company offers one- non-conforming one- one- The Company offers USDA (USDA Rural Development), FHA and VA loans that were originated through a nationwide wholesale lender. In addition, the Company also offers home equity loans that are secured by a second mortgage on the borrower’s primary or secondary residence. Home equity loans are generally underwritten using the same criteria used to underwrite one- As one- one- debt-to-income Commercial Real Estate and Multi-Family Real Estate Loans Commercial real estate mortgage loans are primarily secured by office buildings, owner-occupied businesses, retail rentals, churches, office buildings and farm loans secured by real estate. In underwriting commercial real estate and multi-family real estate loans, the Company considers a number of factors, which include the projected net cash flow to the loan’s debt service requirement, the age and condition of the collateral, the financial resources and income level of the borrower and the borrower’s experience in owning or managing similar properties. Personal guarantees are typically obtained from commercial real estate and multi-family real estate borrowers. In addition, the borrower’s financial information on such loans is monitored on an ongoing basis by requiring periodic financial statement updates. The repayment of these loans is primarily dependent on the cash flows of the underlying property. However, the commercial real estate loan generally must be supported by an adequate underlying collateral value. The performance and the value of the underlying property may be adversely affected by economic factors or geographical and/or industry specific factors. These loans are subject to other industry guidelines that are closely monitored by the Company. Home Equity Lines of Credit In addition to traditional one- one- debt-to-income Commercial Business Loans The Company originates commercial non-mortgage medium-sized The commercial business loan portfolio consists primarily of secured loans. When making commercial business loans, the Company considers the financial statements, lending history and debt service capabilities of the borrower, the projected cash flows of the business and the value of any collateral. The cash flows of the underlying borrower, however, may not perform consistently with historical or projected information. Further, the collateral securing loans may fluctuate in value due to individual economic or other factors. Loans are typically guaranteed by the principals of the borrower. The Company has established minimum standards and underwriting guidelines for all commercial loan types. Real Estate Construction Loans The Company originates construction loans for one- Consumer Loans Consumer loans consist of installment loans to individuals, primarily automotive loans. These loans are underwritten utilizing the borrower’s financial history, including the Fair Isaac Corporation (“FICO”) Loan-to-value Loan Concentration The loan portfolio includes a concentration of loans secured by commercial real estate properties amounting to $349,832,000 and $346,499,000 as of December 31, 2024 and June 30, 2024, respectively. Generally, these loans are collateralized by multi-family and nonresidential properties. The loans are expected to be repaid from cash flows or from proceeds from the sale of the properties of the borrower. Purchased Loans and Loan Participations The Company’s loans receivable included purchased loans of $225,000 and $253,000 at December 31, 2024 and June 30, 2024, respectively. All of these purchased loans are secured by single family homes located out of our primary market area, but still primarily in the Midwest. The Company’s loans receivable also include commercial loan participations of $55,944,000 and $51,798,000 at December 31, 2024 and June 30, 2024, respectively, of which $38,755,000 and $34,929,000, at December 31, 2024 and June 30, 2024 were outside our primary market area. Allowance for Credit Losses The following tables present the activity in the allowance for credit losses for the three-month and six-month Three Months Ended December 31, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,628 $ 1,762 $ 2,362 $ 147 Provision (credit) charged to expense (49 ) (281 ) 16 (13 ) Losses charged off —  —  —  —  Recoveries —  200 —  —  Balance, end of period $ 1,579 $ 1,681 $ 2,378 $ 134 Loans: Ending balance $ 177,733 $ 129,371 $ 205,348 $ 9,887 Three Months Ended December 31, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 278 $ 1,236 $ 59 $ 7,472 Provision (credit) charged to expense 20 (127 ) 23 (411 ) Losses charged off —  —  (33 ) (33 ) Recoveries —  107 11 318 Balance, end of period $ 298 $ 1,216 $ 60 $ 7,346 Loans: Ending balance $ 31,326 $  94,042 $   6,926 $  654,633 Six Months Ended December 31, 2024 Real Estate Loans One- Four- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,774 $ 1,764 $ 2,358 $ 148 Provision (credit) charged to expense (196 ) 67 20 (14 ) Losses charged off —  (350 ) —  —  Recoveries 1 200 —  —  Balance, end of period $ 1,579 $ 1,681 $ 2,378 $ 134 Loans: Ending balance $ 177,733 $ 129,371 $ 205,348 $   9,887 Six Months Ended December 31, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 337 $ 1,053 $ 65 $ 7,499 Provision (credit) charged to expense (39 ) 104 24 (34 ) Losses charged off —  (50 ) (42 ) (442 ) Recoveries —  109 13 323 Balance, end of period $ 298 $ 1,216 $ 60 $ 7,346 Loans: Ending balance $  31,326 $  94,042 $   6,926 $  654,633 Year Ended June 30, 2024 Real Estate Loans One- Four-Family Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of year $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (127 ) 643 (11 ) 27 Losses charged off —  —  —  —  Recoveries 3 —  —  —  Balance, end of year $ 1,774 $ 1,764 $ 2,358 $ 148 Loans: Ending balance $ 177,263 $ 126,031 $ 200,017 $   9,859 Year Ended June 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of year $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (428 ) 17 29 150 Losses charged off —  —  (49 ) (49 ) Recoveries —  242 14 259 Balance, end of year $ 337 $ 1,053 $ 65 $ 7,499 Loans: Ending balance $  33,708 $  91,784 $   7,727 $  646,389 Three Months Ended December 31, 2023 Real Estate Loans One- Four-Family Multi- Commercial Home Allowance for credit losses: Balance, beginning of period $ 1,906 $ 1,115 $ 2,265 $ 134 Provision (credit) charged to expense (97 ) 750 328 13 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,809 $ 1,865 $ 2,593 $ 147 Loans: Ending balance $   175,817 $  128,625 $  215,565 $    9,494 Three Months Ended December 31, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 1,165 $ 788 $ 77 $ 7,450 Provision (credit) charged to expense (626 ) 66 3 437 Losses charged off —  —  (18 ) (18 ) Recoveries —  61 5 66 Balance, end of period $ 539 $ 915 $ 67 $ 7,935 Loans: Ending balance $  39,906 $  83,698 $   8,042 $  661,147 Six Months Ended December 31, 2023 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (89 ) 744 224 26 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,809 $ 1,865 $ 2,593 $ 147 Loans: Ending balance $ 175,817 $ 128,625 $ 215,565 $   9,494 Six Months Ended December 31, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (226 ) 54 14 747 Losses charged off —  —  (25 ) (25 ) Recoveries —  67 7 74 Balance, end of period $ 539 $ 915 $ 67 $ 7,935 Loans: Ending balance $  39,906 $  83,698 $   8,042 $  661,147 Management’s opinion as to the ultimate collectability of loans is subject to estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers. The allowance for credit losses represents the Company’s best estimate of the reserve necessary to adequately account for probable losses expected over the remaining contractual life of the assets. The provision for credit losses is the charge against current earnings that is determined by the Company as the amount needed to maintain an adequate allowance for credit losses. In determining the adequacy of the allowance for credit losses, and therefore the provision to be charged to current earnings, the Company relies on a sound credit review and approval process. The review process is directed by the overall lending policy and is intended to identify, at the earliest possible stage, borrowers who might be facing financial difficulty. The Company utilizes the CECL cohort methodology analysis which relies on segmenting the loan portfolio into pools with similar risks, tracking the performance of the pools over time, and using the data to determine pool loss experience. The ACL is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans and is established through provision for credit losses charged to current earnings. The ACL is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral Management estimates the ACL balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Adjustments may be made to historical loss information for differences identified in current loan-specific risk characteristics, such as differences in underwriting standards or terms; lending review systems; experience, ability, or depth of lending management and staff; portfolio growth and mix; delinquency levels and trends; as well as for changes in environmental conditions, such as changes in economic activity or employment, industry economic conditions, property values, or other relevant factors. The allowance for credit losses on most loans is measured on a collective (pool) basis for loans with similar risk characteristics. The Company estimates the appropriate level of allowance for credit losses for specifically identified loans by evaluating them individually. The specific allowance for collateral-dependent loans that are evaluated individually is measured by determining the fair value of the collateral adjusted for market conditions and selling expense. Factors used in identifying a specific problem loan include: (1) the strength of the customer’s personal or business cash flows; (2) the availability of other sources of repayment; (3) the amount due or past due; (4) the type and value of collateral; (5) the strength of the collateral position; (6) the estimated cost to sell the collateral; and (7) the borrower’s effort to cure the delinquency. In addition, for loans secured by real estate, the Company also considers the extent of any past due and unpaid property taxes applicable to the property serving as collateral on the mortgage. The Company establishes a general allowance for loans that are not individually evaluated to recognize the inherent losses associated with lending activities, but which, unlike specific allowances, has not been allocated to particular problem assets. The general valuation allowance is determined by segmenting the loan portfolio into pools with similar risks and collecting data to determine pool loss experience. Factors considered by the Company in evaluating the overall adequacy of the allowance include historical net loan losses, the level and composition of nonaccrual, past due and loan modifications for borrowers with financial difficulties, trends in volumes and terms of loans, effects of changes in risk selection and underwriting standards or lending practices, lending staff changes, concentrations of credit, industry conditions and the current economic conditions in the region where the Company operates. In addition, a forecast, using reasonable and supportable future conditions, is prepared that is used to estimate expected changes to existing and historical conditions in the current period. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. All loans are graded at inception of the loan. Subsequently, analyses are performed on an annual basis and grade changes are made as necessary. Interim grade reviews may take place if circumstances of the borrower warrant a timelier review. The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk rating system, the Company classifies problem and potential problem loans as “Watch,” “Substandard,” “Doubtful,” and “Loss.” The Company uses the following definitions for risk ratings: Pass – Watch – Substandard – Doubtful – Loss – charged-off. Risk characteristics applicable to each segment of the loan portfolio are described as follows. Residential One- one- one- Commercial and Multi-family Real Estate: Construction Real Estate: Commercial: Consumer: The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and calendar year of origination as of December 31, 2024 and June 30, 2024 (in thousands): December 31, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 23,928 $ 38,713 $ 48,789 $ 22,362 $ 14,283 $ 29,383 $ 177,458 Watch —  —  —  61 —  —  61 Substandard —  —  4 5 —  205 214 Total $ 23,928 $ 38,713 $ 48,793 $ 22,428 $ 14,283 $ 29,588 $ 177,733 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 1 $ 1 Multi-Family Pass $ 15,031 $ 10,806 $ 44,592 $ 20,107 $ 22,390 $ 16,216 $ 129,142 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  229 229 Total $ 15,031 $ 10,806 $ 44,592 $ 20,107 $ 22,390 $ 16,445 $ 129,371 Current period charge-offs $ —  $ (350 ) $ —  $ —  $ —  $ —  $ (350 ) Current period recoveries $ —  $ 200 $ —  $ —  $ —  $ —  $ 200 Commercial Real Estate Pass $ 18,646 $ 27,152 $ 51,677 $ 30,030 $ 29,594 $ 46,209 $ 203,308 Watch —  —  —  846 —  —  846 Substandard —  —  —  139 803 252 1,194 Total $ 18,646 $ 27,152 $ 51,677 $ 31,015 $ 30,397 $ 46,461 $ 205,348 Home Equity Line of Credit Pass $ 2,840 $ 2,059 $ 1,524 $ 1,519 $ 692 $ 1,253 $ 9,887 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 2,840 $ 2,059 $ 1,524 $ 1,519 $ 692 $ 1,253 $ 9,887 Construction Pass $ 15,875 $ 12,055 $ 3,250 $ —  $ —  $ 146 $ 31,326 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 15,875 $ 12,055 $ 3,250 $ —  $ —  $ 146 $ 31,326 Commercial Business Pass $ 24,535 $ 34,407 $ 7,702 $ 5,423 $ 6,752 $ 7,668 $ 86,487 Watch —  3,487 —  293 —  2,400 6,180 Substandard 21 129 45 —  1,126 54 1,375 Total $ 24,556 $ 38,023 $ 7,747 $ 5,716 $ 7,878 $ 10,122 $ 94,042 Current period charge-offs $ —  $ (50 ) $ —  $ —  $ —  $ —  $ (50 ) Current period recoveries $ —  $ 50 $ —  $ —  $ 59 $ —  $ 109 Consumer Pass $ 3,043 $ 1,860 $ 1,217 $ 511 $ 232 $ 43 $ 6,906 Watch —  —  —  —  —  —  —  Substandard —  20 —  —  —  —  20 Total $ 3,043 $ 1,880 $ 1,217 $ 511 $ 232 $ 43 $ 6,926 Current period charge-offs $ (41 ) $ —  $ (1 ) $ —  $ —  $ —  $ (42 ) Current period recoveries $ 13 $ —  $ —  $ —  $ —  $ —  $ 13 Total Loans Pass $ 103,898 $ 127,052 $ 158,751 $ 79,952 $ 73,943 $ 100,918 $ 644,514 Watch —  3,487 —  1,200 —  2,400 7,087 Substandard 21 149 49 144 1,929 740 3,032 Total $ 103,919 $ 130,688 $ 158,800 $ 81,296 $ 75,872 $ 104,058 $ 654,633 June 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 14,790 $ 39,202 $ 51,262 $ 24,362 $ 15,455 $ 31,926 $ 176,997 Watch —  —  —  72 —  —  72 Substandard —  14 5 5 —  170 194 Total $ 14,790 $ 39,216 $ 51,267 $ 24,439 $ 15,455 $ 32,096 $ 177,263 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 3 $ 3 Multi-Family Pass $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 21,867 $ 125,797 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  234 234 Total $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 22,101 $ 126,031 Commercial Real Estate Pass $ 4,602 $ 29,665 $ 57,530 $ 27,622 $ 30,489 $ 48,886 $ 198,794 Watch —  —  —  —  —  —  —  Substandard —  —  —  150 821 252 1,223 Total $ 4,602 $ 29,665 $ 57,530 $ 27,772 $ 31,310 $ 49,138 $ 200,017 Home Equity Line of Credit Pass $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Construction Pass $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Commercial Business Pass $ 10,357 $ 38,853 $ 10,158 $ 9,898 $ 8,201 $ 12,803 $ 90,270 Watch —  —  —  —  —  —  —  Substandard —  133 47 190 1,088 56 1,514 Total $ 10,357 $ 38,986 $ 10,205 $ 10,088 $ 9,289 $ 12,859 $ 91,784 Current period recoveries $ —  $ —  $ —  $ —  $ 242 $ —  $ 242 Consumer Pass $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Current period charge-offs $ (48 ) $ —  $ —  $ (1 ) $ —  $ —  $ (49 ) Current period recoveries $ 14 $ —  $ —  $ —  $ —  $ —  $ 14 Total Loans Pass $ 43,030 $ 142,763 $ 177,183 $ 84,877 $ 78,062 $ 117,237 $ 643,152 Watch —  —  —  72 —  —  72 Substandard —  147 52 345 1,909 712 3,165 Total $ 43,030 $ 142,910 $ 177,235 $ 85,294 $ 79,971 $ 117,949 $ 646,389 The following tables present the Company’s loan portfolio aging analysis: 30-59 Days 60-89 Days Past Due 90 Days or Total Past Due Current Total Loans Total Loans Accruing December 31, 2024: Real estate loans: One- $ 1,347 $ 242 $ 37 $ 1,626 $ 176,107 $ 177,733 $ —  Multi-family 25 118 —  143 129,228 129,371 —  Commercial 676 —  —  676 204,672 205,348 —  Home equity lines of credit —  —  —  —  9,887 9,887 —  Construction —  —  —  —  31,326 31,326 —  Commercial —  49 52 101 93,941 94,042 52 Consumer 34 20 —  54 6,872 6,926 —  Total $ 2,082 $ 429 $ 89 $ 2,600 $ 652,033 $ 654,633 $ 52 30-59 Days 60-89 Days Past Due 90 Days or Total Past Due Current Total Loans Total Loans Accruing June 30, 2024: Real estate loans: One- $ 1,009 $ 192 $ —  $ 1,201 $ 176,062 $ 177,263 $ —  Multi-family 141 —  —  141 125,890 126,031 —  Commercial —  —  150 150 199,867 200,017 —  Home equity lines of credit 17 25 —  42 9,817 9,859 —  Construction 237 —  —  237 33,471 33,708 —  Commercial 21 20 —  41 91,743 91,784 —  Consumer 27 1 23 51 7,676 7,727 —  Total $ 1,452 $ 238 $ 173 $ 1,863 $ 644,526 $ 646,389 $ —  The allowance for credit losses on most loans is measured on a collective (pool) basis for loans with similar risk characteristics, while some loans are selected to be evaluated individually. At December 31, 2024 and June 30, 2024, no non-performing The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated for which no allowance was recorded at December 31, 2024 and June 30, 2024: December 31, 2024 June 30, 2024 Nonaccrual with no Nonaccrual Nonaccrual with no Nonaccrual Mortgages on real estate: One- $ —  $ 37 $ —  $ —  Multi-family —  —  —  —  Commercial —  139 —  150 Home equity lines of credit —  —  —  —  Construction loans —  —  —  —  Commercial business loans —  —  —  —  Consumer loans —  20 —  —  Total $ —  $ 196 $ —  $ 150 Loan Modifications with Borrowers Experiencing Financial Difficulty The Company had no loans for borrowers with financial difficulty in the six months ended December 31, 2024, and two in the year ended June 30, 2024. The following tables show the amortized cost of loans at December 31, 2024 and at June 30, 2024 that were modified and experiencing financial difficulty, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans that were modified to borrowers in financial distress as compared to outstanding loans is also presented below. December 31, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.12 % Home equity lines of credit —  —  Construction —  —  Commercial business 129 — Consumer —  0.14 % Total $ 381 0.06 % June 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.13 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.15 % Consumer —  —  Total $ 385 0.06 % Loan Modifications with Defaults The Company had no loan modifications for borrowers experiencing financial difficulty in default or in foreclosure as of December 31, 2024 or as of June 30, 2024. The Company defines a default as any loan that becomes 90 days or more past due. Management considers the level of defaults within the various portfolios, as well as the current adverse economic environment and negative outlook in the real estate and collateral markets when evaluating qualitative adjustments used to determine the adequacy of the allowance for credit losses. The Company believe the qualitative adjustments more accurately reflect collateral values considering the sales and economic conditions that the Company has recently observed. The Company may obtain physical possession of real estate collateralizing a residential mortgage loan or home equity loan via foreclosure or in-substance

Federal Home Loan Bank Stock

Federal Home Loan Bank Stock	6 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank Stock	Note 7: Federal Home Loan Bank Stock Federal Home Loan Bank stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula. The Company owned approximately $5,670,000 and $4,499,000 of Federal Home Loan Bank stock as of December 31, 2024 and June 30, 2024. The increase in FHLB stock was due to an increased stock requirement as a result of an increase in FHLB advances. The FHLB provides liquidity and funding through advances.

Other Borrowings

Other Borrowings	6 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
Other Borrowings	Note 8: Other Borrowings The Federal Home Loan Bank advances totaled $98,999,000 and $32,999,000 as of December 31, 2024 and June 30, 2024, respectively. The Federal Home Loan Bank advances are secured by mortgage, multi-family, commercial real estate and HELOC loans totaling $417,652,000 at December 31, 2024 and $408,196,000 at June 30, 2024, and are subject to restrictions or penalties in the event of prepayment. Interest rates on advances were from 0 to 5.29 percent with maturities from 2024 to 2030 at December 31, 2024, while interest rates on advances were from 0.00 to 5.29 percent with maturities from 2024 to 2030 at June 30, 2024. At December 31, 2024, the Company’s advances included 7 advances at a rate of 0% totaling $1,499,000 as part of the Federal Home Loan Bank Community Small Business Advance program. Other borrowings include borrowings from the Federal Reserve Bank Term Funding Program (BTFP). At December 31, 2024, the Company had no borrowings from the Federal Reserve BTFP, while at June 30, 2024, the Company had total borrowings from the Federal Reserve BTFP of $25,250,000 at a rate of 4.76% with a maturity of January 16, 2025. The collateral par value of securities pledged to the Federal Reserve BTFP was $0 and $25,272,000 as of December 31, 2024 and June 30, 2024, respectively.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Accumulated Other Comprehensive Loss	Note 9: Accumulated Other Comprehensive Loss The following tables present changes in accumulated other comprehensive loss, by component, net of tax, for the six months ended December 31, 2024 and 2023: Unrealized Gains and Losses on Available-for- Sale Securities Defined Total December 31, 2024: Beginning balance $ (20,768 ) $ 209 $ (20,559 ) Other comprehensive income before reclassification 482 —  482 Amounts reclassified from accumulated other comprehensive loss 51 —  51 Net current period other comprehensive loss —  (3 ) (3 ) Ending balance $ (20,235 ) $ 206 $ (20,029 ) December 31, 2023: Beginning balance $ (21,715 ) $ 67 $ (21,648 ) Other comprehensive loss before reclassification 1,667 —  1,667 Amounts reclassified from accumulated other comprehensive loss —  —  —  Net current period other comprehensive loss —  2 2 Ending balance $ (20,048 ) $ 69 $ (19,979 )

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Loss (AOCI) by Component	6 Months Ended
	Dec. 31, 2024
Text Block [Abstract]
Changes in Accumulated Other Comprehensive Loss (AOCI) by Component	Note 10: Changes in Accumulated Other Comprehensive Loss (AOCI) by Component Amounts reclassified from AOCI and the affected line items in the statements of income during the three- and six-month Amounts Reclassified from AOCI Three Months Ended December 31, Six Months Ended December 31, Affected Line Item in the Condensed Consolidated Statements of Income 2024 2023 2024 2023 Realized gains (losses) on available-for-sale $ —  $ —  $ (71 ) $ —  Net realized gains (losses) on sale of available-for-sale Amortization of defined benefit pension items: Actuarial losses (2 ) 1 (4 ) 3 Components are included in computation of net periodic pension cost Total reclassified amount before tax (2 ) 1 (75 ) 3 Tax expense (credit) (1 ) —  (21 ) 1 Provision for Income Tax Total reclassification out of AOCI $ (1 ) $ 1 $ (54 ) $ 2 Net Income

Income Taxes

Income Taxes	6 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Note 11: Income Taxes A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: Three Months Ended December 31, Six Months Ended December 31, 2024 2023 2024 2023 Computed at the statutory rate $ 353 $ 49 $ 532 $ 183 Decrease resulting from Tax exempt interest (7 ) (9 ) (15 ) (17 ) Cash surrender value of life insurance (24 ) (22 ) (48 ) (43 ) State income taxes 125 15 182 61 Other 16 14 30 38 Actual expense $ 463 $ 47 $ 681 $ 222

Regulatory Capital

Regulatory Capital	6 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
Regulatory Capital	Note 12: Regulatory Capital The Association is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and discretionary actions by regulators that if undertaken, could have a direct material effect on the Association’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Association must meet specific capital guidelines involving quantitative measures of the Association’s assets, liabilities and certain off-balance-sheet The Basel III regulatory capital framework (the “Basel III Capital Rules”) adopted by U.S. federal regulatory authorities, among other things, (i) establish the capital measure called “Common Equity Tier 1” (“CET1”), (ii) specify that Tier 1 capital consist of CET1 and “Additional Tier 1 Capital” instruments meeting stated requirements, (iii) define CET1 narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital and (iv) set forth the acceptable scope of deductions/adjustments to the specified capital measures. In addition, to avoid restrictions on capital distributions, including dividend payments and stock repurchases, or discretionary bonus payments to executives, a covered banking organization must maintain a “capital conservation buffer” of 2.5 percent on top of its minimum risk-based capital requirements. This buffer must consist solely of Tier 1 Common Equity and the buffer applies to all three measurements: Common Equity Tier 1, Tier 1 capital and total capital. As a result of the Economic Growth, Regulatory Relief, and Consumer Protection Act, the federal banking agencies were required to develop a “Community Bank Leverage Ratio” (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 billion. A “qualifying community bank” that exceeds this ratio will be deemed to be in compliance with all other capital and leverage requirements, including the capital requirements to be considered “well capitalized” under Prompt Corrective Action statutes. The Community Bank Leverage Ratio is currently set at 9%. The Association opted into the Community Bank Leverage Ratio in 2020. As of December 31, 2024, the Association met all capital adequacy requirements to which it is subject and was categorized as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events that management believes have changed the Association’s prompt corrective action category.

Disclosures About Fair Value of

Disclosures About Fair Value of Assets	6 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Assets	Note 13: Disclosures About Fair Value of Assets Fair value is the price that would be received to sell an asset in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value: Level 1  Quoted prices in active markets for identical assets Level 2  Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other  inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets Level 3  Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2024 and June 30, 2024: Fair Value Measurements Using Fair Value Quoted Prices in Active Identical Assets (Level 1) Significant (Level 2) Significant (Level 3) December 31, 2024: Available-for-sale U.S. Government and federal agency and Government sponsored enterprises (GSE’s) $ 3,737 $ —  $ 3,737 $ —  Mortgage-backed: GSE residential 162,835 —  162,835 —  Small Business Administration 13,537 —  13,537 —  State and political subdivisions 2,781 —  1,033 1,748 Mortgage servicing rights 1,478 —  —  1,478 Fair Value Measurements Using Fair Value Quoted Active Identical Assets (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Available-for-sale U.S. Treasury $ 444 $ —  $ 444 $ —  U.S. Government and federal agency and Government sponsored enterprises (GSE’s) 6,609 —  6,609 —  Mortgage-backed: GSE residential 166,236 —  166,236 —  Small Business Administration 14,086 —  14,086 —  State and political subdivisions 3,100 —  1,043 2,057 Mortgage servicing rights 1,491 —  —  1,491 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the period ended December 31, 2024. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. For these investments, the inputs used by the pricing service to determine fair value may include one, or a combination of, observable inputs such as benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided Mortgage Servicing Rights Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy. Level 3 Reconciliation The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheet using significant unobservable (Level 3) inputs: Six months ended December 31, 2024 Obligations of Mortgage Total Beginning balance $ 2,057 $ 1,491 $ 3,548 Transfers into Level 3 —  99 99 Transfers out of Level 3 —  (77 ) (77 ) Total realized and unrealized gains and losses included in net income —  (35 ) (35 ) Purchases —  —  —  Sales —  —  —  Settlements (309 ) — (309 ) Ending balance $ 1,748 $ 1,478 $ 3,226 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ (35 ) $ (35 ) Year ended June 30, 2024 Obligations of Mortgage Total Beginning balance $ 2,361 $ 1,482 $ 3,843 Transfers into Level 3 —  151 151 Transfers out of Level 3 —  (143 ) (143 ) Total realized and unrealized gains and losses included in net income —  1 1 Purchases —  —  —  Sales —  —  —  Settlements (304 ) —  (304 ) Ending balance $ 2,057 $ 1,491 $ 3,548 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ 1 $ 1 Realized and unrealized gains and losses for items reflected in the table above are included in net income in the consolidated statements of income as noninterest income. Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2024 and June 30, 2024. Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,478 Discounted cash flow Discount rate 10.0% (10.0%) Constant prepayment rate 6.2% - 8.5% (8.1%) Probability of default 0.08% - 0.12% (0.11%) State and political subdivision 1,748 Discounted cash flow Maturity/Call Date 1 Weighted average coupon 2.97% - 3.08% (3.03%) Marketability yield adjustment 1.0% - 2.0% (1.6%) Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,491 Discounted cash flow Discount rate 10.0% (10.0%) Constant prepayment rate 6.2% - 8.0% (7.7%) Probability of default 0.08% - 0.12% (0.11%) State and political subdivision 2,057 Discounted cash flow Maturity/Call Date 1 month – 7 years Weighted average coupon 2.97% - 3.08% (3.03%) Marketability yield adjustment 1.0% - 2.0% (1.6%) Fair Value of Financial Instruments The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2024 and June 30, 2024. Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) December 31, 2024: Financial assets Cash and cash equivalents $ 5,906 $ 5,906 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 647,664 —  —  614,202 Federal Home Loan Bank stock 5,670 —  5,670 —  Accrued interest receivable 3,979 —  3,979 —  Financial liabilities Deposits 682,126 —  357,371 324,401 Repurchase agreements 18,439 —  18,439 —  Federal Home Loan Bank advances 98,999 —  97,511 —  Other borrowings —  —  —  Advances from borrowers for taxes and insurance 785 —  785 —  Accrued interest payable 2,201 —  2,201 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —  Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Financial assets Cash and cash equivalents $ 9,571 $ 9,571 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 639,297 —  —  607,076 Federal Home Loan Bank stock 4,499 —  4,499 —  Accrued interest receivable 3,457 —  3,457 —  Financial liabilities Deposits 727,177 —  407,544 318,612 Repurchase agreements 17,772 —  17,772 —  Federal Home Loan Bank advances 32,999 —  32,560 —  Other borrowings 25,250 —  25,199 —  Advances from borrowers for taxes and insurance 968 —  968 —  Accrued interest payable 3,009 —  3,009 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —  The methods utilized to measure the fair value of financial instruments at December 31, 2024, represent an approximation of exit price; however, an actual exit price may differ.

Commitments

Commitments	6 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments	Note 14: Commitments Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case Lines of Credit Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case on-balance-sheet Off-Balance Off-balance non-performance off-balance off-balance off-balance off-balance off-balance off-balance

New Accounting Pronouncements (

New Accounting Pronouncements (Policies)	6 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Liabilities	In March 2022, FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . 310-40, Receivables—Troubled Debt Restructurings by Creditors 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost 2022-02, In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) Improvements to Reportable Segment Disclosures 10-K 10-Q In December 2023, the FASB issued ASU 2023-09, Improvements to Income Tax Disclosures.

Stock-based Compensation (Table

Stock-based Compensation (Tables)	6 Months Ended
	Dec. 31, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of ESOP Shares	A summary of ESOP shares at December 31, 2024 and June 30, 2024 are as follows (dollars in thousands): December 31, 2024 June 30, 2024 Allocated shares 182,287 170,696 Shares committed for release 9,622 19,245 Unearned shares 125,093 134,715 Total ESOP shares 317,002 324,656 Fair value of unearned ESOP shares (1) $ 2,915 $ 2,180 (1) Based on closing price of $23.30 and $16.18 per share on December 31, 2024, and June 30, 2024, respectively.
Summary of Non-vested Restricted Stock Activity	The following table summarizes non-vested Shares Weighted-Average Grant- Balance, June 30, 2024 40,800 $ 19.10 Granted —  —  Forfeited 1,500 19.10 Earned and issued 10,200 19.10 Balance, December 31, 2024 29,100 $ 19.10

Earnings Per Common Share ("E_2

Earnings Per Common Share ("EPS") (Tables)	6 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Factors Used in Earnings Per Common Share Computation	Basic and diluted earnings per common share are presented for the three month and six month periods ended December 31, 2024 and 2023. The factors used in the earnings per common share computation follow: Three Months Ended Three Months Ended Six Months Ended December 31, 2024 Six Months Ended Net income $ 1,219 $ 185 $ 1,852 $ 651 Basic weighted average shares outstanding 3,353,010 3,354,626 3,353,018 3,354,626 Less: Average unallocated ESOP shares (127,498 ) (146,743 ) (129,904 ) (149,149 ) Basic average shares outstanding 3,225,512 3,207,883 3,223,114 3,205,477 Diluted effect of restricted stock awards and stock options —  —  —  —  Diluted average shares outstanding 3,225,512 3,207,883 3,223,114 3,205,477 Basic earnings per common share $ 0.38 $ 0.06 $ 0.57 $ 0.20 Diluted earnings per common share $ 0.38 $ 0.06 $ 0.57 $ 0.20

Securities (Tables)

Securities (Tables)	6 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Approximate Fair Value of Securities, Together with Gross Unrealized Gains and Losses of Securities	The amortized cost and approximate fair value of securities, together with gross unrealized gains and losses, of securities are as follows: Amortized Gross Gross Fair Value Available-for-sale December 31, 2024: U.S. Government and federal agency $ 3,982 $ —  $ (245 ) $ 3,737 Mortgage-backed: GSE residential 188,708 —  (25,873 ) 162,835 Small Business Administration 15,720 —  (2,183 ) 13,537 State and political subdivisions 2,783 —  (2 ) 2,781 $ 211,193 $ —  $ (28,303 ) $ 182,890 June 30, 2024: U.S. Treasury $ 497 $ —  $ (53 ) $ 444 U.S. Government and federal agency 6,979 —  (370 ) 6,609 Mortgage-backed: GSE residential 192,556 41 (26,361 ) 166,236 Small Business Administration 16,387 —  (2,301 ) 14,086 State and political subdivisions 3,104 —  (4 ) 3,100 $ 219,523 $ 41 $ (29,089 ) $ 190,475
Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity	The amortized cost and fair value of available-for-sale Available-for-sale Securities Amortized Fair Within one year $ 3,034 $ 3,025 One to five years 3,910 3,613 Five to ten years 6,259 5,766 After ten years 9,282 7,651 22,485 20,055 Mortgage-backed securities 188,708 162,835 Totals $ 211,193 $ 182,890
Association's Investments Gross Unrealized Investment Losses and Fair Value of Association's Investments with Unrealized Losses	The following table shows the Company’s gross unrealized investment losses and the fair value of the Company’s investments with unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2024 and June 30, 2024:  Less Than 12 Months 12 Months or More Total Description of Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized December 31, 2024: U.S. Government and federal agency $ —  $ —  $ 3,737 $ (245 ) $ 3,737 $ (245 ) Mortgage-backed: GSE residential 8,559 (251 ) 154,276 (25,622 ) 162,835 (25,873 ) Small Business Administration 1,230 (42 ) 12,307 (2,141 ) 13,537 (2,183 ) State and political subdivisions 1,033 (2 ) —  —  1,033 (2 ) Total  $ 10,822 $ (295 ) $ 170,320 $ (28,008 ) $ 181,142 $ (28,303 ) June 30, 2024: U.S. Treasury $ —  $ —  $ 444 $ (53 ) $ 444 $ (53 ) U.S. Government and federal agency —  —  6,609 (370 ) 6,609 (370 ) Mortgage-backed: GSE residential 945 (1 ) 162,525 (26,360 ) 163,470 (26,361 ) Small Business Administration —  —  14,086 (2,301 ) 14,086 (2,301 ) State and political subdivisions 1,043 (4 ) —  —  1,043 (4 ) Total $ 1,988 $ (5 ) $ 183,664 $ (29,084 ) $ 185,652 $ (29,089 )

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	6 Months Ended
	Dec. 31, 2024
Categories of Loans	Classes of loans include: December 31, 2024 June 30, 2024 Real estate loans: One- $ 177,733 $ 177,263 Multi-family 129,371 126,031 Commercial 205,348 200,017 Home equity lines of credit 9,887 9,859 Construction 31,326 33,708 Commercial 94,042 91,784 Consumer 6,926 7,727 Total loans 654,633 646,389 Less: Unearned fees and discounts, net (377 ) (407 ) Allowance for credit losses 7,346 7,499 Loans, net $ 647,664 $ 639,297
Allowance for Credit Losses	Allowance for Credit Losses The following tables present the activity in the allowance for credit losses for the three-month and six-month Three Months Ended December 31, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,628 $ 1,762 $ 2,362 $ 147 Provision (credit) charged to expense (49 ) (281 ) 16 (13 ) Losses charged off —  —  —  —  Recoveries —  200 —  —  Balance, end of period $ 1,579 $ 1,681 $ 2,378 $ 134 Loans: Ending balance $ 177,733 $ 129,371 $ 205,348 $ 9,887 Three Months Ended December 31, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 278 $ 1,236 $ 59 $ 7,472 Provision (credit) charged to expense 20 (127 ) 23 (411 ) Losses charged off —  —  (33 ) (33 ) Recoveries —  107 11 318 Balance, end of period $ 298 $ 1,216 $ 60 $ 7,346 Loans: Ending balance $ 31,326 $  94,042 $   6,926 $  654,633 Six Months Ended December 31, 2024 Real Estate Loans One- Four- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,774 $ 1,764 $ 2,358 $ 148 Provision (credit) charged to expense (196 ) 67 20 (14 ) Losses charged off —  (350 ) —  —  Recoveries 1 200 —  —  Balance, end of period $ 1,579 $ 1,681 $ 2,378 $ 134 Loans: Ending balance $ 177,733 $ 129,371 $ 205,348 $   9,887 Six Months Ended December 31, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 337 $ 1,053 $ 65 $ 7,499 Provision (credit) charged to expense (39 ) 104 24 (34 ) Losses charged off —  (50 ) (42 ) (442 ) Recoveries —  109 13 323 Balance, end of period $ 298 $ 1,216 $ 60 $ 7,346 Loans: Ending balance $  31,326 $  94,042 $   6,926 $  654,633 Year Ended June 30, 2024 Real Estate Loans One- Four-Family Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of year $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (127 ) 643 (11 ) 27 Losses charged off —  —  —  —  Recoveries 3 —  —  —  Balance, end of year $ 1,774 $ 1,764 $ 2,358 $ 148 Loans: Ending balance $ 177,263 $ 126,031 $ 200,017 $   9,859 Year Ended June 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of year $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (428 ) 17 29 150 Losses charged off —  —  (49 ) (49 ) Recoveries —  242 14 259 Balance, end of year $ 337 $ 1,053 $ 65 $ 7,499 Loans: Ending balance $  33,708 $  91,784 $   7,727 $  646,389 Three Months Ended December 31, 2023 Real Estate Loans One- Four-Family Multi- Commercial Home Allowance for credit losses: Balance, beginning of period $ 1,906 $ 1,115 $ 2,265 $ 134 Provision (credit) charged to expense (97 ) 750 328 13 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,809 $ 1,865 $ 2,593 $ 147 Loans: Ending balance $   175,817 $  128,625 $  215,565 $    9,494 Three Months Ended December 31, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 1,165 $ 788 $ 77 $ 7,450 Provision (credit) charged to expense (626 ) 66 3 437 Losses charged off —  —  (18 ) (18 ) Recoveries —  61 5 66 Balance, end of period $ 539 $ 915 $ 67 $ 7,935 Loans: Ending balance $  39,906 $  83,698 $   8,042 $  661,147 Six Months Ended December 31, 2023 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (89 ) 744 224 26 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,809 $ 1,865 $ 2,593 $ 147 Loans: Ending balance $ 175,817 $ 128,625 $ 215,565 $   9,494 Six Months Ended December 31, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (226 ) 54 14 747 Losses charged off —  —  (25 ) (25 ) Recoveries —  67 7 74 Balance, end of period $ 539 $ 915 $ 67 $ 7,935 Loans: Ending balance $  39,906 $  83,698 $   8,042 $  661,147
Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Calendar Year of Origination	The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and calendar year of origination as of December 31, 2024 and June 30, 2024 (in thousands): December 31, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 23,928 $ 38,713 $ 48,789 $ 22,362 $ 14,283 $ 29,383 $ 177,458 Watch —  —  —  61 —  —  61 Substandard —  —  4 5 —  205 214 Total $ 23,928 $ 38,713 $ 48,793 $ 22,428 $ 14,283 $ 29,588 $ 177,733 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 1 $ 1 Multi-Family Pass $ 15,031 $ 10,806 $ 44,592 $ 20,107 $ 22,390 $ 16,216 $ 129,142 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  229 229 Total $ 15,031 $ 10,806 $ 44,592 $ 20,107 $ 22,390 $ 16,445 $ 129,371 Current period charge-offs $ —  $ (350 ) $ —  $ —  $ —  $ —  $ (350 ) Current period recoveries $ —  $ 200 $ —  $ —  $ —  $ —  $ 200 Commercial Real Estate Pass $ 18,646 $ 27,152 $ 51,677 $ 30,030 $ 29,594 $ 46,209 $ 203,308 Watch —  —  —  846 —  —  846 Substandard —  —  —  139 803 252 1,194 Total $ 18,646 $ 27,152 $ 51,677 $ 31,015 $ 30,397 $ 46,461 $ 205,348 Home Equity Line of Credit Pass $ 2,840 $ 2,059 $ 1,524 $ 1,519 $ 692 $ 1,253 $ 9,887 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 2,840 $ 2,059 $ 1,524 $ 1,519 $ 692 $ 1,253 $ 9,887 Construction Pass $ 15,875 $ 12,055 $ 3,250 $ —  $ —  $ 146 $ 31,326 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 15,875 $ 12,055 $ 3,250 $ —  $ —  $ 146 $ 31,326 Commercial Business Pass $ 24,535 $ 34,407 $ 7,702 $ 5,423 $ 6,752 $ 7,668 $ 86,487 Watch —  3,487 —  293 —  2,400 6,180 Substandard 21 129 45 —  1,126 54 1,375 Total $ 24,556 $ 38,023 $ 7,747 $ 5,716 $ 7,878 $ 10,122 $ 94,042 Current period charge-offs $ —  $ (50 ) $ —  $ —  $ —  $ —  $ (50 ) Current period recoveries $ —  $ 50 $ —  $ —  $ 59 $ —  $ 109 Consumer Pass $ 3,043 $ 1,860 $ 1,217 $ 511 $ 232 $ 43 $ 6,906 Watch —  —  —  —  —  —  —  Substandard —  20 —  —  —  —  20 Total $ 3,043 $ 1,880 $ 1,217 $ 511 $ 232 $ 43 $ 6,926 Current period charge-offs $ (41 ) $ —  $ (1 ) $ —  $ —  $ —  $ (42 ) Current period recoveries $ 13 $ —  $ —  $ —  $ —  $ —  $ 13 Total Loans Pass $ 103,898 $ 127,052 $ 158,751 $ 79,952 $ 73,943 $ 100,918 $ 644,514 Watch —  3,487 —  1,200 —  2,400 7,087 Substandard 21 149 49 144 1,929 740 3,032 Total $ 103,919 $ 130,688 $ 158,800 $ 81,296 $ 75,872 $ 104,058 $ 654,633 June 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 14,790 $ 39,202 $ 51,262 $ 24,362 $ 15,455 $ 31,926 $ 176,997 Watch —  —  —  72 —  —  72 Substandard —  14 5 5 —  170 194 Total $ 14,790 $ 39,216 $ 51,267 $ 24,439 $ 15,455 $ 32,096 $ 177,263 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 3 $ 3 Multi-Family Pass $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 21,867 $ 125,797 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  234 234 Total $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 22,101 $ 126,031 Commercial Real Estate Pass $ 4,602 $ 29,665 $ 57,530 $ 27,622 $ 30,489 $ 48,886 $ 198,794 Watch —  —  —  —  —  —  —  Substandard —  —  —  150 821 252 1,223 Total $ 4,602 $ 29,665 $ 57,530 $ 27,772 $ 31,310 $ 49,138 $ 200,017 Home Equity Line of Credit Pass $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Construction Pass $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Commercial Business Pass $ 10,357 $ 38,853 $ 10,158 $ 9,898 $ 8,201 $ 12,803 $ 90,270 Watch —  —  —  —  —  —  —  Substandard —  133 47 190 1,088 56 1,514 Total $ 10,357 $ 38,986 $ 10,205 $ 10,088 $ 9,289 $ 12,859 $ 91,784 Current period recoveries $ —  $ —  $ —  $ —  $ 242 $ —  $ 242 Consumer Pass $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Current period charge-offs $ (48 ) $ —  $ —  $ (1 ) $ —  $ —  $ (49 ) Current period recoveries $ 14 $ —  $ —  $ —  $ —  $ —  $ 14 Total Loans Pass $ 43,030 $ 142,763 $ 177,183 $ 84,877 $ 78,062 $ 117,237 $ 643,152 Watch —  —  —  72 —  —  72 Substandard —  147 52 345 1,909 712 3,165 Total $ 43,030 $ 142,910 $ 177,235 $ 85,294 $ 79,971 $ 117,949 $ 646,389
Association's Loan Portfolio Aging Analysis	The following tables present the Company’s loan portfolio aging analysis: 30-59 Days 60-89 Days Past Due 90 Days or Total Past Due Current Total Loans Total Loans Accruing December 31, 2024: Real estate loans: One- $ 1,347 $ 242 $ 37 $ 1,626 $ 176,107 $ 177,733 $ —  Multi-family 25 118 —  143 129,228 129,371 —  Commercial 676 —  —  676 204,672 205,348 —  Home equity lines of credit —  —  —  —  9,887 9,887 —  Construction —  —  —  —  31,326 31,326 —  Commercial —  49 52 101 93,941 94,042 52 Consumer 34 20 —  54 6,872 6,926 —  Total $ 2,082 $ 429 $ 89 $ 2,600 $ 652,033 $ 654,633 $ 52 30-59 Days 60-89 Days Past Due 90 Days or Total Past Due Current Total Loans Total Loans Accruing June 30, 2024: Real estate loans: One- $ 1,009 $ 192 $ —  $ 1,201 $ 176,062 $ 177,263 $ —  Multi-family 141 —  —  141 125,890 126,031 —  Commercial —  —  150 150 199,867 200,017 —  Home equity lines of credit 17 25 —  42 9,817 9,859 —  Construction 237 —  —  237 33,471 33,708 —  Commercial 21 20 —  41 91,743 91,784 —  Consumer 27 1 23 51 7,676 7,727 —  Total $ 1,452 $ 238 $ 173 $ 1,863 $ 644,526 $ 646,389 $ —
Nonaccrual with no Allowance for Credit Losses and Nonaccrual Loans	The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated for which no allowance was recorded at December 31, 2024 and June 30, 2024: December 31, 2024 June 30, 2024 Nonaccrual with no Nonaccrual Nonaccrual with no Nonaccrual Mortgages on real estate: One- $ —  $ 37 $ —  $ —  Multi-family —  —  —  —  Commercial —  139 —  150 Home equity lines of credit —  —  —  —  Construction loans —  —  —  —  Commercial business loans —  —  —  —  Consumer loans —  20 —  —  Total $ —  $ 196 $ —  $ 150
Loans Modified as Troubled Debt Restructurings	The following tables show the amortized cost of loans at December 31, 2024 and at June 30, 2024 that were modified and experiencing financial difficulty, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans that were modified to borrowers in financial distress as compared to outstanding loans is also presented below. December 31, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.12 % Home equity lines of credit —  —  Construction —  —  Commercial business 129 — Consumer —  0.14 % Total $ 381 0.06 % June 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.13 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.15 % Consumer —  —  Total $ 385 0.06 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Components of Accumulated Other Comprehensive Loss	The following tables present changes in accumulated other comprehensive loss, by component, net of tax, for the six months ended December 31, 2024 and 2023: Unrealized Gains and Losses on Available-for- Sale Securities Defined Total December 31, 2024: Beginning balance $ (20,768 ) $ 209 $ (20,559 ) Other comprehensive income before reclassification 482 —  482 Amounts reclassified from accumulated other comprehensive loss 51 —  51 Net current period other comprehensive loss —  (3 ) (3 ) Ending balance $ (20,235 ) $ 206 $ (20,029 ) December 31, 2023: Beginning balance $ (21,715 ) $ 67 $ (21,648 ) Other comprehensive loss before reclassification 1,667 —  1,667 Amounts reclassified from accumulated other comprehensive loss —  —  —  Net current period other comprehensive loss —  2 2 Ending balance $ (20,048 ) $ 69 $ (19,979 )

Changes in Accumulated Other _2

Changes in Accumulated Other Comprehensive Loss (AOCI) by Component (Tables)	6 Months Ended
	Dec. 31, 2024
Text Block [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Loss	Amounts reclassified from AOCI and the affected line items in the statements of income during the three- and six-month Amounts Reclassified from AOCI Three Months Ended December 31, Six Months Ended December 31, Affected Line Item in the Condensed Consolidated Statements of Income 2024 2023 2024 2023 Realized gains (losses) on available-for-sale $ —  $ —  $ (71 ) $ —  Net realized gains (losses) on sale of available-for-sale Amortization of defined benefit pension items: Actuarial losses (2 ) 1 (4 ) 3 Components are included in computation of net periodic pension cost Total reclassified amount before tax (2 ) 1 (75 ) 3 Tax expense (credit) (1 ) —  (21 ) 1 Provision for Income Tax Total reclassification out of AOCI $ (1 ) $ 1 $ (54 ) $ 2 Net Income

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Reconciliation of Income Tax Expense at the Statutory Rate	A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: Three Months Ended December 31, Six Months Ended December 31, 2024 2023 2024 2023 Computed at the statutory rate $ 353 $ 49 $ 532 $ 183 Decrease resulting from Tax exempt interest (7 ) (9 ) (15 ) (17 ) Cash surrender value of life insurance (24 ) (22 ) (48 ) (43 ) State income taxes 125 15 182 61 Other 16 14 30 38 Actual expense $ 463 $ 47 $ 681 $ 222

Disclosures About Fair Value _2

Disclosures About Fair Value of Assets (Tables)	6 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements of Assets Recognized on Recurring Basis	The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2024 and June 30, 2024: Fair Value Measurements Using Fair Value Quoted Prices in Active Identical Assets (Level 1) Significant (Level 2) Significant (Level 3) December 31, 2024: Available-for-sale U.S. Government and federal agency and Government sponsored enterprises (GSE’s) $ 3,737 $ —  $ 3,737 $ —  Mortgage-backed: GSE residential 162,835 —  162,835 —  Small Business Administration 13,537 —  13,537 —  State and political subdivisions 2,781 —  1,033 1,748 Mortgage servicing rights 1,478 —  —  1,478 Fair Value Measurements Using Fair Value Quoted Active Identical Assets (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Available-for-sale U.S. Treasury $ 444 $ —  $ 444 $ —  U.S. Government and federal agency and Government sponsored enterprises (GSE’s) 6,609 —  6,609 —  Mortgage-backed: GSE residential 166,236 —  166,236 —  Small Business Administration 14,086 —  14,086 —  State and political subdivisions 3,100 —  1,043 2,057 Mortgage servicing rights 1,491 —  —  1,491
Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Recognized in Accompanying Balance Sheet	The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheet using significant unobservable (Level 3) inputs: Six months ended December 31, 2024 Obligations of Mortgage Total Beginning balance $ 2,057 $ 1,491 $ 3,548 Transfers into Level 3 —  99 99 Transfers out of Level 3 —  (77 ) (77 ) Total realized and unrealized gains and losses included in net income —  (35 ) (35 ) Purchases —  —  —  Sales —  —  —  Settlements (309 ) — (309 ) Ending balance $ 1,748 $ 1,478 $ 3,226 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ (35 ) $ (35 ) Year ended June 30, 2024 Obligations of Mortgage Total Beginning balance $ 2,361 $ 1,482 $ 3,843 Transfers into Level 3 —  151 151 Transfers out of Level 3 —  (143 ) (143 ) Total realized and unrealized gains and losses included in net income —  1 1 Purchases —  —  —  Sales —  —  —  Settlements (304 ) —  (304 ) Ending balance $ 2,057 $ 1,491 $ 3,548 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ 1 $ 1
Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements	The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2024 and June 30, 2024. Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,478 Discounted cash flow Discount rate 10.0% (10.0%) Constant prepayment rate 6.2% - 8.5% (8.1%) Probability of default 0.08% - 0.12% (0.11%) State and political subdivision 1,748 Discounted cash flow Maturity/Call Date 1 Weighted average coupon 2.97% - 3.08% (3.03%) Marketability yield adjustment 1.0% - 2.0% (1.6%) Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,491 Discounted cash flow Discount rate 10.0% (10.0%) Constant prepayment rate 6.2% - 8.0% (7.7%) Probability of default 0.08% - 0.12% (0.11%) State and political subdivision 2,057 Discounted cash flow Maturity/Call Date 1 month – 7 years Weighted average coupon 2.97% - 3.08% (3.03%) Marketability yield adjustment 1.0% - 2.0% (1.6%)
Estimated Fair Values of Financial Instruments and Level within Fair Value Hierarchy in which Fair Value Measurements Fall	The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2024 and June 30, 2024. Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) December 31, 2024: Financial assets Cash and cash equivalents $ 5,906 $ 5,906 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 647,664 —  —  614,202 Federal Home Loan Bank stock 5,670 —  5,670 —  Accrued interest receivable 3,979 —  3,979 —  Financial liabilities Deposits 682,126 —  357,371 324,401 Repurchase agreements 18,439 —  18,439 —  Federal Home Loan Bank advances 98,999 —  97,511 —  Other borrowings —  —  —  Advances from borrowers for taxes and insurance 785 —  785 —  Accrued interest payable 2,201 —  2,201 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —  Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Financial assets Cash and cash equivalents $ 9,571 $ 9,571 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 639,297 —  —  607,076 Federal Home Loan Bank stock 4,499 —  4,499 —  Accrued interest receivable 3,457 —  3,457 —  Financial liabilities Deposits 727,177 —  407,544 318,612 Repurchase agreements 17,772 —  17,772 —  Federal Home Loan Bank advances 32,999 —  32,560 —  Other borrowings 25,250 —  25,199 —  Advances from borrowers for taxes and insurance 968 —  968 —  Accrued interest payable 3,009 —  3,009 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —

Stock-based Compensation - Summ

Stock-based Compensation - Summary of ESOP Shares (Detail) - USD ($) $ in Thousands		Dec. 31, 2024	Jun. 30, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Allocated shares		182,287	170,696
Shares committed for release		9,622	19,245
Unearned shares		125,093	134,715
Total ESOP shares		317,002	324,656
Fair value of unearned ESOP shares	[1]	$ 2,915	$ 2,180
[1]Based on closing price of $23.30 and $16.18 per share on December 31, 2024, and June 30, 2024, respectively.

Stock-based Compensation - Su_2

Stock-based Compensation - Summary of ESOP Shares (Parenthetical) (Detail) - $ / shares	Dec. 31, 2024	Jun. 30, 2024
Employee Stock Ownership Plan Esop [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
ESOP, closing price per share	$ 23.3	$ 16.18

Stock-based Compensation - Su_3

Stock-based Compensation - Summary of Non-vested Restricted Stock Activity (Detail) - Restricted Stock [Member]	6 Months Ended
	Dec. 31, 2024 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning balance, Shares | shares	40,800
Granted, Shares | shares
Forfeited, Shares | shares	1,500
Earned and issued, Shares | shares	10,200
Ending balance, Shares | shares	29,100
Beginning balance, Weighted-Average Grant-Date Fair Value | $ / shares	$ 19.1
Granted, Weighted-Average Grant-Date Fair Value | $ / shares
Forfeited, Weighted-Average Grant-Date Fair Value | $ / shares	19.1
Earned and issued, Weighted-Average Grant-Date Fair Value | $ / shares	19.1
Ending balance, Weighted-Average Grant-Date Fair Value | $ / shares	$ 19.1

Stock-based Compensation - Addi

Stock-based Compensation - Additional Information (Detail) - USD ($)		3 Months Ended		6 Months Ended
	Dec. 10, 2013	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2016	Jun. 30, 2024	Sep. 09, 2022	Dec. 10, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares paid under ESOP		317,002		317,002			324,656
Employee Stock Ownership Plan Esop [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Minimum hours of service required				1000 hours
Period of service to qualify for ESOP benefits				12 months
Minimum age of employee to attain the plan				21 years
Shares to be purchased for ESOP, from borrowed funds				384,900
Shares to be purchased for ESOP, percentage of common stock				8%
Repayment of loan on ESOP				20 years
Percentage vested in accrued benefits				100%
Vesting period				6 years
Employee Stock Ownership Plan Esop [Member] | Employee Severance [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares paid under ESOP		7,091	6,086	7,091	6,086
Employee Stock Ownership Plan ESOP Shares In ESOP Transferred		563	2,405	563	2,405
Employee Stock Ownership Plan Esop [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Prorated vesting period				2 years
Employee Stock Ownership Plan Esop [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Prorated vesting period				5 years
Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		673,575		673,575
Equity Incentive Plan [Member] | Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	7 years
Shares authorized	167,000	481,125		481,125
Restricted stock available for future grants		52,970		52,970
Stock options granted		0		0
Options vested during the period			0		0
Stock options outstanding		0		0			0
Equity Incentive Plan [Member] | Restricted Stock And Restricted Stock Units Rsu [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		192,450		192,450
Equity Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	10 years					8 years
Shares authorized	85,500							53,000	16,900
Restricted stock available for future grants		211,888		211,888
Weighted average recognition period for non-vested restricted stock awards				2 years 8 months 12 days
Unrecognized compensation expense for non-vested restricted stock awards		$ 494,000		$ 494,000
Stock based compensation expense				95,000	$ 163,000
Tax benefit				$ 27,000	$ 46,000
2022 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		264,850		264,850
2022 Equity Incentive Plan [Member] | Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		52,970		52,970
Options vested during the period				0
2022 Equity Incentive Plan [Member] | Restricted Stock And Restricted Stock Units Rsu [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		211,888		211,888

Earnings Per Common Share ("E_3

Earnings Per Common Share ("EPS") - Factors Used in Earnings Per Common Share Computation (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Earnings Per Share [Abstract]
Net income	$ 1,219	$ 185	$ 1,852	$ 651
Basic weighted average shares outstanding	3,353,010	3,354,626	3,353,018	3,354,626
Less: Average unallocated ESOP shares	(127,498)	(146,743)	(129,904)	(149,149)
Basic average shares outstanding	3,225,512	3,207,883	3,223,114	3,205,477
Diluted effect of restricted stock awards and stock options	0	0	0	0
Diluted average shares outstanding	3,225,512	3,207,883	3,223,114	3,205,477
Basic earnings per common share	$ 0.38	$ 0.06	$ 0.57	$ 0.2
Diluted earnings per common share	$ 0.38	$ 0.06	$ 0.57	$ 0.2

Securities - Amortized Cost and

Securities - Amortized Cost and Approximate Fair Value of Securities, Together with Gross Unrealized Gains and Losses of Securities (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 211,193	$ 219,523
Gross Unrealized Gains	0	41
Gross Unrealized Losses	(28,303)	(29,089)
Fair Value	182,890	190,475
U.S. Treasury [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		497
Gross Unrealized Gains		0
Gross Unrealized Losses		(53)
Fair Value		444
U.S. Government and Federal Agency [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,982	6,979
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(245)	(370)
Fair Value	3,737	6,609
Mortgage-backed: GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	188,708	192,556
Gross Unrealized Gains	0	41
Gross Unrealized Losses	(25,873)	(26,361)
Fair Value	162,835	166,236
Small Business Administration [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15,720	16,387
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,183)	(2,301)
Fair Value	13,537	14,086
State and political subdivisions [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,783	3,104
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2)	(4)
Fair Value	$ 2,781	$ 3,100

Securities - Additional Informa

Securities - Additional Information (Detail) - USD ($)	6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities with a book value	$ 211,193,000		$ 219,523,000
Fair Value	$ 182,890,000		190,475,000
Percentage of equity securities	10%
Repurchase agreements	$ 18,439,000		17,772,000
Gross gains from sales of available for sale securities	30,000	$ 0
Gross losses from sales of available for sale securities	101,000	0
Tax benefit to net realized gains (losses)	20	0
Investments in debt and marketable equity securities	$ 181,142,000		$ 185,652,000
Temporarily impaired debt securities percentage of investment securities portfolio	99%		97%
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable		Interest Receivable
Asset Pledged as Collateral with Right [Member]
Debt Securities, Available-for-sale [Line Items]
Carrying value of securities pledged as collateral	$ 71,977,000		$ 118,577,000
Tax benefit to net realized gains (losses)	20,000	$ 0
Maturity Overnight [Member]
Debt Securities, Available-for-sale [Line Items]
Repurchase agreements	18,400,000
Mortgage-backed securities – GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities with a book value	188,708,000		192,556,000
Fair Value	162,835,000		166,236,000
Investments in debt and marketable equity securities	162,835,000		163,470,000
Small Business Administration [Member]
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities with a book value	15,720,000		16,387,000
Fair Value	13,537,000		14,086,000
Investments in debt and marketable equity securities	13,537,000		14,086,000
Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Investments in debt and marketable equity securities	$ 181,142,000		$ 185,652,000

Securities - Amortized Cost a_2

Securities - Amortized Cost and Fair Value of Available-for-Sale Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Within one year, Amortized Cost	$ 3,034
One to five years, Amortized Cost	3,910
Five to ten years, Amortized Cost	6,259
After ten years, Amortized Cost	9,282
Amortized Cost	22,485
Amortized Cost	211,193	$ 219,523
Within one year, Fair Value	3,025
One to five years, Fair Value	3,613
Five to ten years, Fair Value	5,766
After ten years, Fair Value	7,651
Fair Value	20,055
Fair Value	182,890	190,475
Mortgage-backed securities – GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	188,708	192,556
Fair Value	$ 162,835	$ 166,236

Securities - Association's Inve

Securities - Association's Investments Gross Unrealized Investment Losses and Fair Value of Association's Investments with Unrealized Losses (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Less than 12 Months, Fair Value	$ 10,822	$ 1,988
Less than 12 Months, Unrealized Losses	(295)	(5)
12 Months or More, Fair Value	170,320	183,664
12 Months or More, Unrealized Losses	(28,008)	(29,084)
Total, Fair Value	181,142	185,652
Total, Unrealized Losses	(28,303)	(29,089)
U.S. Treasury [Member]
Less than 12 Months, Fair Value		0
Less than 12 Months, Unrealized Losses		0
12 Months or More, Fair Value		444
12 Months or More, Unrealized Losses		(53)
Total, Fair Value		444
Total, Unrealized Losses		(53)
U.S. Government and Federal Agency [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	3,737	6,609
12 Months or More, Unrealized Losses	(245)	(370)
Total, Fair Value	3,737	6,609
Total, Unrealized Losses	(245)	(370)
Mortgage-backed: GSE residential [Member]
Less than 12 Months, Fair Value	8,559	945
Less than 12 Months, Unrealized Losses	(251)	(1)
12 Months or More, Fair Value	154,276	162,525
12 Months or More, Unrealized Losses	(25,622)	(26,360)
Total, Fair Value	162,835	163,470
Total, Unrealized Losses	(25,873)	(26,361)
Small Business Administration [Member]
Less than 12 Months, Fair Value	1,230	0
Less than 12 Months, Unrealized Losses	(42)	0
12 Months or More, Fair Value	12,307	14,086
12 Months or More, Unrealized Losses	(2,141)	(2,301)
Total, Fair Value	13,537	14,086
Total, Unrealized Losses	(2,183)	(2,301)
State and political subdivisions [Member]
Less than 12 Months, Fair Value	1,033	1,043
Less than 12 Months, Unrealized Losses	(2)	(4)
12 Months or More, Fair Value	0	0
12 Months or More, Unrealized Losses	0	0
Total, Fair Value	1,033	1,043
Total, Unrealized Losses	$ (2)	$ (4)

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Categories of Loans (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023
Real estate loans
Total loans	$ 654,633		$ 646,389	$ 661,147
Unearned fees and discounts, net	(377)		(407)
Allowance for credit losses	7,346	$ 7,472	7,499	7,935	$ 7,450	$ 7,139
Loans, net	647,664		639,297
One- to four-family [Member]
Real estate loans
Total loans	177,733		177,263	175,817
Allowance for credit losses	1,579	1,628	1,774	1,809	1,906	1,898
Multi-family [Member]
Real estate loans
Total loans	129,371		126,031	128,625
Allowance for credit losses	1,681	1,762	1,764	1,865	1,115	1,121
Home equity lines of credit [Member]
Real estate loans
Total loans	9,887		9,859	9,494
Allowance for credit losses	134	147	148	147	134	121
Construction [Member]
Real estate loans
Total loans	31,326		33,708	39,906
Allowance for credit losses	298	278	337	539	1,165	765
Commercial [Member]
Real estate loans
Total loans	205,348		200,017	215,565
Allowance for credit losses	2,378	2,362	2,358	2,593	2,265	2,369
Commercial [Member]
Real estate loans
Total loans	94,042		91,784	83,698
Allowance for credit losses	1,216	1,236	1,053	915	788	794
Consumer [Member]
Real estate loans
Total loans	6,926		7,727	8,042
Allowance for credit losses	$ 60	$ 59	$ 65	$ 67	$ 77	$ 71

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Additional Information (Detail)	6 Months Ended		12 Months Ended
	Dec. 31, 2024 USD ($)	Jun. 30, 2024 USD ($) SecurityLoan	Dec. 31, 2024 USD ($) SecurityLoan
Loans and Allowance for Credit Losses [Line Items]
Maximum term of fixed-rate one- to four-family residential mortgage loans	15 years
Number of default loans | SecurityLoan		0	0
Fair Value, Concentration of Risk, Collateral Policy [Member]
Loans and Allowance for Credit Losses [Line Items]
Commercial and multi-family real estate	$ 349,832,000	$ 346,499,000	$ 349,832,000
Troubled Debt Restructurings [Member]
Loans and Allowance for Credit Losses [Line Items]
Minimum period for default	90 days
Residential Real Estate [Member]
Loans and Allowance for Credit Losses [Line Items]
Foreclosed residential real estate properties	$ 0	0	0
One- to four-family [Member]
Loans and Allowance for Credit Losses [Line Items]
Loans held for sale	$ 0	0	0
Maximum term of fixed-rate one- to four-family residential mortgage loans	15 years
Purchased Loans and Loan Participations [Member]
Loans and Allowance for Credit Losses [Line Items]
Approximate amount of purchase loans included in loans receivable	$ 225,000	253,000	225,000
Approximate amount of loans included on out-of-area participation	55,944,000	51,798,000	55,944,000
Amount within 100 miles of primary area	$ 38,755,000	$ 34,929,000	$ 38,755,000

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Jun. 30, 2024
Allowance for loan losses:
Balance, beginning of period	$ 7,472	$ 7,450	$ 7,499	$ 7,139	$ 7,139
Provision (credit) charged to expense	(411)	437	(34)	747	150
Losses charged off	(33)	(18)	(442)	(25)	(49)
Recoveries	318	66	323	74	259
Balance, end of period	7,346	7,935	7,346	7,935	7,499
Loans:
Ending balance	654,633	661,147	654,633	661,147	646,389
One- to Four-Family [Member]
Allowance for loan losses:
Balance, beginning of period	1,628	1,906	1,774	1,898	1,898
Provision (credit) charged to expense	(49)	(97)	(196)	(89)	(127)
Losses charged off	0	0	0	0	0
Recoveries	0	0	1	0	3
Balance, end of period	1,579	1,809	1,579	1,809	1,774
Loans:
Ending balance	177,733	175,817	177,733	175,817	177,263
Multi-Family [Member]
Allowance for loan losses:
Balance, beginning of period	1,762	1,115	1,764	1,121	1,121
Provision (credit) charged to expense	(281)	750	67	744	643
Losses charged off	0	0	(350)	0	0
Recoveries	200	0	200	0	0
Balance, end of period	1,681	1,865	1,681	1,865	1,764
Loans:
Ending balance	129,371	128,625	129,371	128,625	126,031
Home Equity Line of Credit [Member]
Allowance for loan losses:
Balance, beginning of period	147	134	148	121	121
Provision (credit) charged to expense	(13)	13	(14)	26	27
Losses charged off	0	0	0	0	0
Recoveries	0	0	0	0	0
Balance, end of period	134	147	134	147	148
Loans:
Ending balance	9,887	9,494	9,887	9,494	9,859
Construction [Member]
Allowance for loan losses:
Balance, beginning of period	278	1,165	337	765	765
Provision (credit) charged to expense	20	(626)	(39)	(226)	(428)
Losses charged off	0	0	0	0	0
Recoveries	0	0	0	0	0
Balance, end of period	298	539	298	539	337
Loans:
Ending balance	31,326	39,906	31,326	39,906	33,708
Commercial [Member]
Allowance for loan losses:
Balance, beginning of period	2,362	2,265	2,358	2,369	2,369
Provision (credit) charged to expense	16	328	20	224	(11)
Losses charged off	0	0	0	0	0
Recoveries	0	0	0	0	0
Balance, end of period	2,378	2,593	2,378	2,593	2,358
Loans:
Ending balance	205,348	215,565	205,348	215,565	200,017
Commercial [Member]
Allowance for loan losses:
Balance, beginning of period	1,236	788	1,053	794	794
Provision (credit) charged to expense	(127)	66	104	54	17
Losses charged off	0	0	(50)	0	0
Recoveries	107	61	109	67	242
Balance, end of period	1,216	915	1,216	915	1,053
Loans:
Ending balance	94,042	83,698	94,042	83,698	91,784
Consumer [Member]
Allowance for loan losses:
Balance, beginning of period	59	77	65	71	71
Provision (credit) charged to expense	23	3	24	14	29
Losses charged off	(33)	(18)	(42)	(25)	(49)
Recoveries	11	5	13	7	14
Balance, end of period	60	67	60	67	65
Loans:
Ending balance	$ 6,926	$ 8,042	$ 6,926	$ 8,042	$ 7,727

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Calendar Year of Origination (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2024	Jun. 30, 2024
Financing Receivable, Recorded Investment [Line Items]
2024	$ 103,919	$ 43,030
2023	130,688	142,910
2022	158,800	177,235
2021	81,296	85,294
2020	75,872	79,971
Prior Years	104,058	117,949
Total loans	654,633	646,389
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	103,898	43,030
2023	127,052	142,763
2022	158,751	177,183
2021	79,952	84,877
2020	73,943	78,062
Prior Years	100,918	117,237
Total loans	644,514	643,152
Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	3,487
2021	1,200	72
Prior Years	2,400
Total loans	7,087	72
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	21
2023	149	147
2022	49	52
2021	144	345
2020	1,929	1,909
Prior Years	740	712
Total loans	3,032	3,165
One- to Four-Family [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	23,928	14,790
2023	38,713	39,216
2022	48,793	51,267
2021	22,428	24,439
2020	14,283	15,455
Prior Years	29,588	32,096
Total loans	177,733	177,263
Current period recoveries Prior Years	1	3
Current period recoveries Total	1	3
One- to Four-Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	23,928	14,790
2023	38,713	39,202
2022	48,789	51,262
2021	22,362	24,362
2020	14,283	15,455
Prior Years	29,383	31,926
Total loans	177,458	176,997
One- to Four-Family [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	61	72
Total loans	61	72
One- to Four-Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023		14
2022	4	5
2021	5	5
Prior Years	205	170
Total loans	214	194
Multi-Family [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	15,031	573
2023	10,806	9,004
2022	44,592	51,279
2021	20,107	20,346
2020	22,390	22,728
Prior Years	16,445	22,101
Total loans	129,371	126,031
Current period charge-offs 2023	(350)
Current period charge-offs Total	(350)
Current period recoveries 2023	200
Current period recoveries Total	200
Multi-Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	15,031	573
2023	10,806	9,004
2022	44,592	51,279
2021	20,107	20,346
2020	22,390	22,728
Prior Years	16,216	21,867
Total loans	129,142	125,797
Multi-Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Prior Years	229	234
Total loans	229	234
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,840	1,629
2023	2,059	2,361
2022	1,524	1,874
2021	1,519	1,806
2020	692	795
Prior Years	1,253	1,394
Total loans	9,887	9,859
Home Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,840	1,629
2023	2,059	2,361
2022	1,524	1,874
2021	1,519	1,806
2020	692	795
Prior Years	1,253	1,394
Total loans	9,887	9,859
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	15,875	9,123
2023	12,055	21,043
2022	3,250	3,250
Prior Years	146	292
Total loans	31,326	33,708
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	15,875	9,123
2023	12,055	21,043
2022	3,250	3,250
Prior Years	146	292
Total loans	31,326	33,708
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,646	4,602
2023	27,152	29,665
2022	51,677	57,530
2021	31,015	27,772
2020	30,397	31,310
Prior Years	46,461	49,138
Total loans	205,348	200,017
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,646	4,602
2023	27,152	29,665
2022	51,677	57,530
2021	30,030	27,622
2020	29,594	30,489
Prior Years	46,209	48,886
Total loans	203,308	198,794
Commercial Real Estate [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	846
Total loans	846
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	139	150
2020	803	821
Prior Years	252	252
Total loans	1,194	1,223
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	24,556	10,357
2023	38,023	38,986
2022	7,747	10,205
2021	5,716	10,088
2020	7,878	9,289
Prior Years	10,122	12,859
Total loans	94,042	91,784
Current period charge-offs 2023	(50)
Current period charge-offs Total	(50)
Current period recoveries 2023	50
Current period recoveries 2020	59	242
Current period recoveries Total	109	242
Commercial Business [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	24,535	10,357
2023	34,407	38,853
2022	7,702	10,158
2021	5,423	9,898
2020	6,752	8,201
Prior Years	7,668	12,803
Total loans	86,487	90,270
Commercial Business [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	3,487
2021	293
Prior Years	2,400
Total loans	6,180
Commercial Business [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	21
2023	129	133
2022	45	47
2021	0	190
2020	1,126	1,088
Prior Years	54	56
Total loans	1,375	1,514
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	3,043	1,956
2023	1,880	2,635
2022	1,217	1,830
2021	511	843
2020	232	394
Prior Years	43	69
Total loans	6,926	7,727
Current period charge-offs 2024	(41)	(48)
Current period charge-offs 2022	(1)
Current period charge-offs 2021		(1)
Current period charge-offs Total	(42)	(49)
Current period recoveries 2024	13	14
Current period recoveries Total	13	14
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	3,043	1,956
2023	1,860	2,635
2022	1,217	1,830
2021	511	843
2020	232	394
Prior Years	43	69
Total loans	6,906	$ 7,727
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	20
Total loans	$ 20

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Association's Loan Portfolio Aging Analysis (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	$ 2,600	$ 1,863
Current	652,033	644,526
Total loans	654,633	646,389	$ 661,147
Total Loans > 90 Days & Accruing	52
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	676	150
Current	204,672	199,867
Total loans	205,348	200,017	215,565
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	101	41
Current	93,941	91,743
Total loans	94,042	91,784	83,698
Total Loans > 90 Days & Accruing	52
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	54	51
Current	6,872	7,676
Total loans	6,926	7,727	8,042
One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	1,626	1,201
Current	176,107	176,062
Total loans	177,733	177,263	175,817
Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	143	141
Current	129,228	125,890
Total loans	129,371	126,031	128,625
Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		42
Current	9,887	9,817
Total loans	9,887	9,859	9,494
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		237
Current	31,326	33,471
Total loans	31,326	33,708	$ 39,906
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	2,082	1,452
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	676
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		21
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	34	27
Financing Receivables, 30 to 59 Days Past Due [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	1,347	1,009
Financing Receivables, 30 to 59 Days Past Due [Member] | Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	25	141
Financing Receivables, 30 to 59 Days Past Due [Member] | Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		17
Financing Receivables, 30 to 59 Days Past Due [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		237
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	429	238
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	49	20
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	20	1
Financing Receivables, 60 to 89 Days Past Due [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	242	192
Financing Receivables, 60 to 89 Days Past Due [Member] | Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	118
Financing Receivables, 60 to 89 Days Past Due [Member] | Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		25
Financing Receivables, Greater Than 90 Days [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	89	173
Financing Receivables, Greater Than 90 Days [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		150
Financing Receivables, Greater Than 90 Days [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	52
Financing Receivables, Greater Than 90 Days [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		$ 23
Financing Receivables, Greater Than 90 Days [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	$ 37

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Nonaccrual with no Allowance for Credit Losses and Nonaccrual Loans (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	$ 0	$ 0
Nonaccrual	196	150
One- to four-family [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	37	0
Multi-family [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Home equity lines of credit [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Construction loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Consumer loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	20	0
Commercial [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	139	150
Commercial business loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	$ 0	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Summary Of Amortized Cost Of Loans Modified And Experiencing Financial Difficulty (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2024	Jun. 30, 2024
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 381	$ 385
Total Class of Financing Receivable	0.06%	0.06%
One- to four-family [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Multi-family [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 252	$ 252
Total Class of Financing Receivable	0.12%	0.13%
Home equity lines of credit [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Construction [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Commercial business [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 129	$ 133
Total Class of Financing Receivable	0%	0.15%
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0.14%	0%

Federal Home Loan Bank Stock -

Federal Home Loan Bank Stock - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank stock	$ 5,670	$ 4,499

Other Borrowings - Additional I

Other Borrowings - Additional Information (Detail) - USD ($)	Dec. 31, 2024	Jun. 30, 2024
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances	$ 98,999,000	$ 32,999,000
Mortgage loans secured for Federal Home Loan Bank Advances	417,652,000	408,196,000
Other borrowings	0	25,250,000
Seven Advances Under The Banks Home Loan Bank Community Small Business Programmed [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances	$ 1,499,000
Federal Home Loan Bank advances interest rate range from	0%
Federal Reserve Bank Advances [Member] | Asset Pledged as Collateral [Member]
Federal Home Loan Bank, Advances [Line Items]
Debt Instrument, Face Amount	$ 0	$ 25,272,000
Federal Reserve Bank Advances [Member] | Debt Instrument, Redemption, Period One [Member] | Asset Pledged as Collateral [Member]
Federal Home Loan Bank, Advances [Line Items]
Debt Instrument Maturity Date	Jan. 16, 2025
Debt Instrument, Interest Rate, Stated Percentage	4.76%
Other borrowings	$ 25,250,000
Maximum [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances interest rate range from	5.29%	5.29%
Minimum [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances interest rate range from	0%	0%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Loss (Detail) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	$ (20,559)	$ (21,648)
Other comprehensive income (loss) before reclassification	482	1,667
Amounts reclassified from accumulated other comprehensive loss	51	0
Net current period other comprehensive loss	(3)	2
Ending balance	(20,029)	(19,979)
Unrealized Gains and Losses on Available-for- Sale Securities [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	(20,768)	(21,715)
Other comprehensive income (loss) before reclassification	482	1,667
Amounts reclassified from accumulated other comprehensive loss	51	0
Net current period other comprehensive loss	0	0
Ending balance	(20,235)	(20,048)
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	209	67
Other comprehensive income (loss) before reclassification	0	0
Amounts reclassified from accumulated other comprehensive loss	0	0
Net current period other comprehensive loss	(3)	2
Ending balance	$ 206	$ 69

Changes in Accumulated Other _3

Changes in Accumulated Other Comprehensive Loss (AOCI) by Component - Amounts Reclassified from Accumulated Other Comprehensive Loss (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized gains (losses) on available-for-sale securities	$ 0	$ 0	$ (71)	$ 0
Tax expense (credit)	463	47	681	222
Net Income	1,219	185	1,852	651
Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total reclassified amount before tax	(2)	1	(75)	3
Tax expense (credit)	(1)	0	(21)	1
Net Income	(1)	1	(54)	2
Accumulated Net Realized Investment Gains (Losses) [Member] | Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized gains (losses) on available-for-sale securities	0	0	(71)	0
Amortization of Defined Benefit Pension Items [Member] | Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Amortization of defined benefit pension items: Actuarial losses	$ (2)	$ 1	$ (4)	$ 3

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Income Tax Expense at the Statutory Rate (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Income Taxes Paid, Net [Abstract]
Computed at the statutory rate	$ 353	$ 49	$ 532	$ 183
Decrease resulting from
Tax exempt interest	(7)	(9)	(15)	(17)
Cash surrender value of life insurance	(24)	(22)	(48)	(43)
State income taxes	125	15	182	61
Other	16	14	30	38
Actual expense	$ 463	$ 47	$ 681	$ 222

Regulatory Capital - Additional

Regulatory Capital - Additional Information (Detail) $ in Billions	Dec. 31, 2024 USD ($)	Mar. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum asset value required to be maintained leverage ratio	$ 10
Tier 1 capital ratio of risk-weighted assets	0.025
Maximum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio		0.09

Disclosures About Fair Value _3

Disclosures About Fair Value of Assets - Fair Value Measurements of Assets Recognized on Recurring Basis (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Available-for-sale securities:
Available-for-sale securities, Fair Value	$ 182,890	$ 190,475
Mortgage servicing rights	1,478	1,491
U.S. Treasury [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value		444
U.S. Government and federal agency and Government sponsored enterprises (GSE's) [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	3,737	6,609
Mortgage-backed: GSE residential [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	162,835	166,236
Small Business Administration [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	13,537	14,086
State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	2,781	3,100
Significant Other Observable Inputs (Level 2) [Member]
Available-for-sale securities:
Mortgage servicing rights	0	0
Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value		444
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government and federal agency and Government sponsored enterprises (GSE's) [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	3,737	6,609
Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed: GSE residential [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	162,835	166,236
Significant Other Observable Inputs (Level 2) [Member] | Small Business Administration [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	13,537	14,086
Significant Other Observable Inputs (Level 2) [Member] | State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	1,033	1,043
Significant Unobservable Inputs (Level 3) [Member]
Available-for-sale securities:
Mortgage servicing rights	1,478	1,491
Significant Unobservable Inputs (Level 3) [Member] | State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	$ 1,748	$ 2,057

Disclosures About Fair Value _4

Disclosures About Fair Value of Assets - Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Recognized in Accompanying Balance Sheet (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2024	Jun. 30, 2024
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	$ 3,548	$ 3,843
Transfers into Level 3	99	151
Transfers out of Level 3	(77)	(143)
Total realized and unrealized gains and losses included in net income	(35)	1
Settlements	(309)	(304)
Ending Balance	3,226	3,548
Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date	(35)	1
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	2,057	2,361
Settlements	(309)	(304)
Ending Balance	1,748	2,057
Mortgage Servicing Rights [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	1,491	1,482
Transfers into Level 3	99	151
Transfers out of Level 3	(77)	(143)
Total realized and unrealized gains and losses included in net income	(35)	1
Ending Balance	1,478	1,491
Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date	$ (35)	$ 1

Disclosures About Fair Value _5

Disclosures About Fair Value of Assets - Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements (Detail) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2024 USD ($) yr mo	Jun. 30, 2024 USD ($) mo yr
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights	$ 1,478	$ 1,491
State and political subdivisions	$ 1,748	$ 2,057
Discount Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	10	10
Minimum [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	6.2	6.2
Minimum [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.08	0.08
Minimum [Member] | Maturity/Call Date [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input | mo	1	1
Minimum [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	2.97	2.97
Minimum [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	1	1
Maximum [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	8.5	8
Maximum [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.12	0.12
Maximum [Member] | Maturity/Call Date [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input | yr	7	7
Maximum [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	3.08	3.08
Maximum [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	2	2
Weighted Average [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	8.1	7.7
Weighted Average [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.11	0.11
Weighted Average [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	3.03	3.03
Weighted Average [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	1.6	1.6

Disclosures About Fair Value _6

Disclosures About Fair Value of Assets - Estimated Fair Values of Financial Instruments and Level within Fair Value Hierarchy in which Fair Value Measurements Fall (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
Financial assets
Cash and cash equivalents	$ 5,906	$ 9,571
Interest-bearing time deposits in banks	250	250
Loans, net of allowance for credit losses	647,664	639,297
Federal Home Loan Bank stock	5,670	4,499
Accrued interest receivable	3,979	3,457
Financial liabilities
Deposits	682,126	727,177
Repurchase agreements	18,439	17,772
Federal Home Loan Bank advances	98,999	32,999
Other borrowings	0	25,250
Advances from borrowers for taxes and insurance	785	968
Accrued interest payable	2,201	3,009
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets
Cash and cash equivalents	5,906	9,571
Interest-bearing time deposits in banks	250	250
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Significant Other Observable Inputs (Level 2) [Member]
Financial assets
Federal Home Loan Bank stock	5,670	4,499
Accrued interest receivable	3,979	3,457
Financial liabilities
Deposits	357,371	407,544
Repurchase agreements	18,439	17,772
Federal Home Loan Bank advances	97,511	32,560
Other borrowings	0	25,199
Advances from borrowers for taxes and insurance	785	968
Accrued interest payable	2,201	3,009
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Significant Unobservable Inputs (Level 3) [Member]
Financial assets
Loans, net of allowance for credit losses	614,202	607,076
Financial liabilities
Deposits	324,401	318,612
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	$ 0	$ 0

Commitments - Additional Inform

Commitments - Additional Information (Detail) - USD ($)	3 Months Ended		6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Jun. 30, 2024
Commitments And Contingencies Disclosure [Line Items]
Off-Balance-Sheet, Credit loss, Liability	$ 64,000		$ 64,000		$ 98,000
Off-Balance-Sheet, Credit Loss,Credit Loss Expense	$ 39,000,000	$ 73,000,000	$ 34,000	$ 161,000