Prudential Bancorp (PBIP) 10-Q 9 Aug 18 2018 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Jun. 30, 2018	Jul. 31, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	PRUDENTIAL BANCORP, INC.
Entity Central Index Key	1,578,776
Trading Symbol	pbip
Current Fiscal Year End Date	--09-30
Entity Filer Category	Accelerated Filer
Entity Common Stock Shares Outstanding		9,008,836
Document Type	10-Q
Document Period End Date	Jun. 30, 2018
Amendment Flag	false
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q3

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
ASSETS
Cash and amounts due from depository institutions	$ 2,403	$ 2,274
Interest-bearing deposits	33,652	25,629
Total cash and cash equivalents	36,055	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale (amortized cost - June 30, 2018, $278,428; September 30, 2017, $180,087)	270,275	178,402
Investment and mortgage-backed securities held to maturity (fair value - June 30, 2018, $54,884; September 30, 2017, $60,179)	58,127	61,284
Loans receivable - net of allowance for loan losses (June 30, 2018, $5,041; September 30, 2017, $4,466)	602,455	571,343
Accrued interest receivable	3,670	2,825
Real estate owned	85	192
Federal Home Loan Bank stock - at cost	7,909	6,002
Office properties and equipment - net	7,549	7,804
Bank owned life insurance	28,533	28,048
Prepaid expenses and other assets	1,574	3,231
Goodwill	6,102	6,102
Intangible assets	605	709
Deferred tax assets-net	4,315	4,091
TOTAL ASSETS	1,028,858	899,540
Deposits:
Noninterest-bearing	14,322	9,375
Interest-bearing	700,731	626,607
Total deposits	715,053	635,982
Advances from Federal Home Loan Bank (short-term)	35,000	20,000
Advances from Federal Home Loan Bank (long-term)	129,164	94,318
Accrued interest payable	2,179	1,933
Advances from borrowers for taxes and insurance	3,808	2,207
Accounts payable and accrued expenses	12,137	8,921
Total liabilities	897,341	763,361
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value, 10,000,000 shares authorized, none issued
Common stock, $.01 par value, 40,000,000 shares authorized; 10,819,006 issued and 9,008,836 outstanding at June 30, 2018; 10,819,006 issued and 9,008,125 outstanding at September 30, 2017	108	108
Additional paid-in capital	118,141	118,751
Treasury stock, at cost: 1,810,170 shares at June 30, 2018 and 1,810,881 shares at September 30, 2017	(27,155)	(26,707)
Retained earnings	47,023	44,787
Accumulated other comprehensive loss	(6,600)	(760)
Total stockholders' equity	131,517	136,179
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,028,858	$ 899,540

CONSOLIDATED STATEMENTS OF FIN3

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$ 278,428	$ 180,087
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	54,884	60,179
Allowance for loan losses on loans receivable (in dollars)	$ 5,041	$ 4,466
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	40,000,000	40,000,000
Common stock, shares issued	10,819,006	10,819,006
Common stock, shares outstanding	9,008,836	9,008,125
Number of treasury share purchased	1,810,170	1,810,881

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
INTEREST INCOME:
Interest on loans	$ 6,485	$ 5,647	$ 18,853	$ 14,062
Interest on mortgage-backed securities	1,060	802	2,753	2,179
Interest and dividends on investments	1,189	926	3,198	2,263
Interest on interest-bearing assets	197	55	518	102
Total interest income	8,931	7,430	25,322	18,606
INTEREST EXPENSE:
Interest on deposits	1,932	1,002	4,915	2,690
Interest on advances from Federal Home Loan Bank(short-term)	43		184
Interest on advances from Federal Home Loan Bank(long-term)	734	375	1,637	918
Total interest expense	2,709	1,377	6,736	3,608
NET INTEREST INCOME	6,222	6,053	18,586	14,998
PROVISION FOR LOAN LOSSES	325	30	685	2,580
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,897	6,023	17,901	12,418
NON-INTEREST INCOME:
Gain on sale of loans, net		3		52
Gain (loss) on the sale of investment securities	(376)	70	(376)	70
Swap income	925		1,087
Income from bank owned life insurance	160	229	480	506
Other	99	144	271	400
Total non-interest income	985	625	1,967	1,500
NON-INTEREST EXPENSE:
Salaries and employee benefits	2,042	1,884	6,053	5,593
Data processing	180	175	545	481
Professional services	431	230	1,625	1,018
Office occupancy	266	274	845	701
Depreciation	157	158	469	399
Director compensation	56	57	176	218
Deposit insurance premium	90	52	231	93
Advertising	61	92	173	158
Merger-related expense				2,663
Core deposit amortization	34	37	105	75
Other	453	541	1,460	1,582
Total non-interest expense	3,770	3,500	11,682	12,981
INCOME BEFORE INCOME TAXES	3,112	3,148	8,186	937
INCOME TAXES:
Current expense	1,096	941	2,366	769
Deferred (benefit) expense	(420)	90	1,193	(539)
Total income tax expense	676	1,031	3,559	230
NET INCOME	$ 2,436	$ 2,117	$ 4,627	$ 707
BASIC EARNINGS PER SHARE (in dollars per share)	$ 0.28	$ 0.25	$ 0.52	$ 0.08
DILUTED EARNINGS PER SHARE (in dollars per share)	0.26	0.25	0.50	0.08
DIVIDENDS PER SHARE (in dollars per share)	$ 0.05	$ 0.03	$ 0.30	$ 0.09
Noninterest income fees and other service charges
NON-INTEREST INCOME:
Fees and other service charges	$ 177	$ 179	$ 505	$ 472

UNAUDITED CONSOLIDATED STATEME5

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Statement Of Other Comprehensive Income [Abstract]
Net income	$ 2,436	$ 2,117	$ 4,627	$ 707
Unrealized holding gains (losses) on available-for-sale securities	(1,996)	1,120	(6,699)	(2,881)
Tax effect	275	(381)	1,407	979
Reclassification adjustment for net security losses (gains) realized in net income	310	(70)	310	(70)
Tax effect	(65)	24	(65)	24
Unrealized holding (losses) gains on interest rate swaps	(47)	(91)	187	701
Tax effect	16	31	(39)	(238)
Reclassification adjustment for gains on interest rate swap	(808)		(808)
Tax effect	170		170
Total other comprehensive income (loss)	(2,145)	633	(5,537)	(1,485)
Comprehensive income (loss)	$ 291	$ 2,750	$ (910)	$ (778)

UNAUDITED CONSOLIDATED STATEME6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-In Capital	Unearned ESOP Shares	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
BALANCE at Sep. 30, 2016	$ 95	$ 95,713	$ (4,550)	$ (21,098)	$ 43,044	$ 798	$ 114,002
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					707		707
Other comprehensive loss						(1,485)	(1,485)
Dividends paid ($0.09, $0.30 per share for June 30, 2017 and June 30, 2018, respectively)					(764)		(764)
Issuance of common stock (1,274,197 shares)	13	21,801					21,814
Purchase of Treasury Stock (43,698 shares and 161,101 shares for June 2017 and June 2018 respectively)				(1,058)			(1,058)
Terminate ESOP Plan (303,115 shares)		733	4,456	(5,189)
Treasury Stock used for employee benefit plans (34,814 shares and 161,812 shares for June 2017 and for June 2018 respectively)		(653)		653
Tax benefit from stock compensation plans		195					195
Stock option expense		349					349
Restricted shares award expense		284					284
ESOP shares committed to be released (8,879 shares)		58	$ 94				152
BALANCE at Jun. 30, 2017	108	118,480		(26,692)	42,987	(687)	134,196
BALANCE at Sep. 30, 2017	108	118,751		(26,707)	44,787	(760)	136,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					4,627		4,627
Other comprehensive loss						(5,537)	(5,537)
Dividends paid ($0.09, $0.30 per share for June 30, 2017 and June 30, 2018, respectively)					(2,694)		(2,694)
Purchase of Treasury Stock (43,698 shares and 161,101 shares for June 2017 and June 2018 respectively)				(2,922)			(2,922)
Treasury Stock used for employee benefit plans (34,814 shares and 161,812 shares for June 2017 and for June 2018 respectively)		(1,407)		2,474			1,067
Stock option expense		389					389
Restricted shares award expense		408					408
Reclassification due to change in federal income tax rate					303	(303)
BALANCE at Jun. 30, 2018	$ 108	$ 118,141		$ (27,155)	$ 47,023	$ (6,600)	$ 131,517

UNAUDITED CONSOLIDATED STATEME7

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Statement Of Stockholders Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.30	$ 0.09
Purchase of treasury stock	161,101	43,698
Treasury stock used for employee benefit plan	161,812	34,814
Terminate Esop Plan Shares		303,115
Issuance of common stock		1,274,197
Number of ESOP shares committed to be released		8,879

UNAUDITED CONSOLIDATED STATEME8

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
OPERATING ACTIVITIES:
Net income	$ 4,627	$ 707
Adjustments to reconcile net income to net cash used in operating activities:
Depreciation	469	399
Net amortization of premiums/discounts	517	575
Provision for loan losses	685	2,580
Net (accretion) amortization of deferred loan fees and costs	(43)	81
Share-based compensation expense for stock options and awards	797	828
Income from bank owned life insurance	(480)	(506)
Gain from sale of loans held for sale		(52)
Gain on retirement of cash flow hedges	(808)
Loss (gain) from sale of investment securities	376	(70)
Gain on sale of other real estate owned		(60)
Originations of loans held for sale		(2,634)
Proceeds from sale of loans held for sale		2,686
Compensation expense of ESOP		139
Deferred income tax expense (benefit)	1,193	(539)
Changes in assets and liabilities which used cash:
Accrued interest receivable	(845)	(1,161)
Accrued interest payable	246	(64)
Other	590	1,706
Net cash provided by operating activities	7,324	4,615
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(113,535)	(68,684)
Purchase of investments held to maturity	(2,458)	(18,847)
Loans originated	(93,038)	(160,085)
Principal collected on loans	61,569	118,107
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	975	861
Available-for-sale	10,663	8,131
Proceeds from the sale of investments and mortgage-backed securities	11,052	10,593
Proceeds from the sale of Polonia Bancorp Inc.'s investment portfolio acquired		42,164
Proceeds from retirement of cash flow hedges	856
Redemption of FHLB Stock	3,228	163
Purchase of FHLB stock	(5,135)	(67)
Proceeds from sale of real estate owned	278	449
Acquisition, net of cash		28,956
Purchase of BOLI		(10,000)
Purchases of equipment	(214)	(229)
Net cash used in investing activities	(125,759)	(48,488)
FINANCING ACTIVITIES:
Net decrease increase in demand deposits, NOW accounts, and savings accounts	(18,819)	(12,686)
Net increase in certificates of deposit	98,131	66,088
Proceeds from FHLB advances long-term	70,000	9,729
Repayment of FHLB advances long-term	(34,776)	(9,521)
Net proceeds from FHLB advances short-term	15,000
Increase in advances from borrowers for taxes and insurance	1,601	2,234
Cash dividends paid	(2,695)	(764)
Release unallocated shares from ESOP Plan		4,550
Repayment of remaining principal balance of ESOP Loan		(734)
Treasury stock used for employee benefit plans	1,067
Purchase of treasury stock	(2,922)	(4,536)
Net cash provided by financing activities	126,587	54,360
NET INCREASE IN CASH AND CASH EQUIVALENTS	8,152	10,487
CASH AND CASH EQUIVALENTS-Beginning of period	27,903	12,440
CASH AND CASH EQUIVALENTS-End of period	36,055	22,927
Cash paid during the period for:
Interest paid on deposits and advances from FHLB	6,981	2,842
Income taxes paid	1,900	980
Loans transferred to real estate owned	$ 111
Assets acquired:
Investment securities		42,164
Loans		160,157
Premises		6,902
Core deposit intangible		822
Goodwill		7,163
Bank owned life insurance		4,318
Other assets		2,558
Total assets		224,084
Liabilities assumed:
Deposits		172,243
Advances		57,232
Other liabilities		8,914
Total liabilities assumed		238,389
Net non-cash assets (liabilities) acquired		(14,305)
Cash acquired		$ 47,901

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Jun. 30, 2018
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	1. SIGNIFICANT ACCOUNTING POLICIES Prudential Bancorp, Inc. (the “Company”) is a Pennsylvania corporation and the parent holding company for Prudential Bank (the “Bank”), a Pennsylvania-chartered savings bank. The Company is a registered bank holding company. The Bank is a community-oriented Pennsylvania-chartered savings bank headquartered in South Philadelphia. The banking office network currently consists of the headquarters and main office (which includes a branch office), administrative office, and nine full-service branch offices. Eight of the branch offices are located in Philadelphia (Philadelphia County), one is in Drexel Hill, Delaware County, and one is in Huntingdon Valley, Montgomery County (both Pennsylvania counties). The Bank maintains ATMs at all 10 of the banking offices. The Bank also provides on-line and mobile banking services. The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities (the “Department”), as its chartering authority and primary regulator, and by the Federal Deposit Insurance Corporation (the “FDIC”), which insures the Bank’s deposits up to applicable limits. As a bank holding company, the Company is subject to the regulation of the Board of Governors of the Federal Reserve System. On January 1, 2017, the Company completed its acquisition of Polonia Bancorp, Inc. (“Polonia Bancorp”) and Polonia Bank, Polonia’s wholly owned subsidiary. Polonia Bancorp and Polonia Bank were merged with and into the Company and the Bank, respectively. Basis of presentation – Use of Estimates in the Preparation of Financial Statements — Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers Revenue from Contracts with Customers Topic 606 . In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20). . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beg For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In May 2017, the FASB issued ASU 2017-09, Compensation – Stock Compensation (Topic 718) This Update is not expected to have a significant impact on the Company’s financial statements. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850) . The Company early adopted the ASU during the quarter ended June 30, 2018. There was not a significant impact on the Company’s financial statements. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220) In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718)

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Jun. 30, 2018
Earnings Per Share [Abstract]
EARNINGS PER SHARE	2. EARNINGS PER SHARE Basic earnings per common share is computed by dividing net income by the weighted average number of shares of common stock outstanding, net of any treasury shares, during the period. Diluted earnings per share is calculated by dividing net income by the weighted average number of shares of common stock outstanding, net of any treasury shares, after consideration of the potential dilutive effect of common stock equivalents, consisting of restricted stock and stock options based upon the treasury stock method using an average market price for the period. The calculated basic and diluted earnings per share are as follows: Three Months Ended June 30, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Per Share Data) Net income $ 2,436 $ 2,436 $ 2,117 $ 2,117 Weighted average shares outstanding 8,848,393 8,848,393 8,652,699 8,652,699 Effect of common stock equivalents - 378,912 - 656,370 Adjusted weighted average shares used in earnings per share computation 8,848,393 9,227,305 8,652,699 9,309,069 Earnings per share $ 0.28 $ 0.26 $ 0.25 $ 0.25 Nine Months Ended June 30, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Per Share Data) Net income $ 4,627 $ 4,627 $ 707 $ 707 Weighted average shares outstanding 8,851,784 8,851,784 8,202,950 8,202,950 Effect of common stock equivalents - 342,432 - 570,792 Adjusted weighted average shares used in earnings per share computation 8,851,784 9,194,216 8,202,950 8,773,742 Earnings per share $ 0.52 $ 0.50 $ 0.08 $ 0.08 All exercisable stock options outstanding as of June 30, 2018 and 2017 had exercise prices below the then current per share market price for the Company’s common stock and were considered dilutive for the earnings per share calculation.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	9 Months Ended
	Jun. 30, 2018
Accumulated Other Comprehensive Income [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table presents the changes in accumulated other comprehensive income (loss) by component net of tax: Three Months Ended June 30, Three Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain Total accumulated Unrealized gain Unrealized gain Total accumulated Beginning balance, April 1 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) Other comprehensive (loss) income before reclassification (1,721 ) (31 ) (1,752 ) 739 (60 ) 679 Amount reclassified from accumulated other comprehensive income 245 (638 ) (393 ) (46 ) - (46 ) Total (6,441 ) (159 ) (6,600 ) (1,017 ) 330 (687 ) Reclassification due to change in federal income tax rate - - - - - - Ending Balance, June 30 $ (6,441 ) $ (159 ) $ (6,600 ) $ (1,017 ) $ 330 $ (687 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the changes in accumulated other comprehensive (loss) income by component net of tax: Nine Months Ended June 30, Nine Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain Total accumulated Unrealized gain Unrealized gain Total accumulated Beginning balance, October 1 $ (1,091 ) $ 331 $ (760 ) $ 931 $ (133 ) $ 798 Other comprehensive (loss) income before reclassification (5,292 ) 148 (5,144 ) (1,902 ) 463 (1,439 ) Amount reclassified from accumulated other comprehensive income 245 (638 ) (393 ) (46 ) - (46 ) Total (6,138 ) (159 ) (6,297 ) (1,017 ) 330 (687 ) Reclassification due to change in federal income tax rate (303 ) - (303 ) - - - Ending Balance, June 30 $ (6,441 ) $ (159 ) $ (6,600 ) $ (1,017 ) $ 330 $ (687 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the three and nine months ended June 30, 2018 and 2017. Amounts in parentheses indicate debits to net income: Three Months Ended June 30, Three Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Securities Swaps Total Securities Swaps Total Unrealized (losses) gain $ (310 )(1) $ 808 (2) $ 498 $ 70 (1) $ - $ 70 65 (3) (170 )(3) (105 ) (24 )(3) - (24 ) $ (245 ) $ 638 $ 393 $ 46 $ - $ 46 Nine Months Ended June 30, Nine Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Securities Swaps Total Securities Swaps Total Unrealized (losses) gain $ (310 )(1) $ 808 (2) $ 498 $ 70 (1) $ - $ 70 65 (3) (170 )(3) (105 ) (24 )(3) - (24 ) $ (245 ) $ 638 $ 393 $ 46 $ - $ 46 (1) Recorded as a loss on the sale of investment securities (2) Recorded as Swap income (3) Recorded as income tax benefit (expense)

INVESTMENT AND MORTGAGE-BACKED

INVESTMENT AND MORTGAGE-BACKED SECURITIES	9 Months Ended
	Jun. 30, 2018
Investments, Debt and Equity Securities [Abstract]
INVESTMENT AND MORTGAGE-BACKED SECURITIES	4. INVESTMENT AND MORTGAGE-BACKED SECURITIES The amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses, are as follows: June 30, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,592 $ - $ (1,088 ) $ 24,504 Mortgage-backed securities - U.S. government agencies 164,064 90 (4,830 ) 159,324 State and political subdivisions 22,091 - (32 ) 22,059 Corporate debt securities 66,675 27 (2,356 ) 64,346 Total debt securities available for sale 278,422 117 (8,306 ) 270,233 FHLMC preferred stock 6 36 - 42 Total securities available for sale $ 278,428 $ 153 $ (8,306 ) $ 270,275 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 114 $ (2,863 ) $ 30,751 Mortgage-backed securities - U.S. government agencies 6,052 171 (132 ) 6,091 State and political subdivisions 18,575 5 (538 ) 18,042 Total securities held to maturity $ 58,127 $ 290 $ (3,533 ) $ 54,884 September 30, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 26,125 $ 9 $ (335 ) $ 25,799 Mortgage-backed securities - U.S. government agencies 119,456 146 (1,475 ) 118,127 Corporate debt securities 34,500 185 (285 ) 34,400 Total debt securities available for sale 180,081 340 (2,095 ) 178,326 FHLMC preferred stock 6 70 - 76 Total securities available for sale $ 180,087 $ 410 $ (2,095 ) $ 178,402 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 229 $ (1,688 ) $ 32,041 State and political subdivisions 20,781 165 (104 ) 20,842 Mortgage-backed securities - U.S. government agencies 7,003 304 (11 ) 7,296 Total securities held to maturity $ 61,284 $ 698 $ (1,803 ) $ 60,179 The following table shows the gross unrealized losses and related fair values of the Company’s investments and mortgage-backed securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position at June 30, 2018: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (1,088 ) $ 24,504 $ - $ - $ (1,088 ) $ 24,504 Mortgage-backed securities - U.S. government agencies (3,038 ) 104,320 (1,792 ) 37,699 (4,830 ) 142,019 State and political subdivisions (32 ) 3,142 - - (32 ) 3,142 Corporate debt securities (2,356 ) 60,568 - - (2,356 ) 60,568 Total securities available for sale $ (6,514 ) $ 192,534 $ (1,792 ) $ 37,699 $ (8,306 ) $ 230,233 Securities Held to Maturity: U.S. government and agency obligations $ (2,863 ) $ 27,636 $ - $ - $ (2,863 ) $ 27,636 Mortgage-backed securities - U.S. government agencies (91 ) 2,777 (41 ) 985 (132 ) 3,762 State and political subdivisions (538 ) 16,003 - - (538 ) 16,003 Total securities held to maturity $ (3,492 ) $ 46,416 $ (41 ) $ 985 $ (3,533 ) $ 47,401 Total $ (10,006 ) $ 238,950 $ (1,833 ) $ 38,684 $ (11,839 ) $ 277,634 The following table shows the gross unrealized losses and related fair values of the Company’s investment securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position at September 30, 2017: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (335 ) $ 20,655 $ - $ - $ (335 ) $ 20,655 Mortgage-backed securities - U.S. government agencies (1,135 ) 77,176 (340 ) 11,684 (1,475 ) 88,860 Corporate debt securities (285 ) 22,511 - - (285 ) 22,511 Total securities available for sale $ (1,755 ) $ 120,342 $ (340 ) $ 11,684 $ (2,095 ) $ 132,026 Securities Held to Maturity: U.S. government and agency obligations $ (1,688 ) $ 28,813 $ - $ - $ (1,688 ) $ 28,813 Mortgage-backed securities - U.S. government agencies (11 ) 1,176 - - (11 ) 1,176 State and political subdivisions (104 ) 7,854 - - (104 ) 7,854 Total securities held to maturity $ (1,803 ) $ 37,843 $ $ $ (1,803 ) $ 37,843 Total $ (3,558 ) $ 158,185 $ (340 ) $ 11,684 $ (3,898 ) $ 169,869 Management evaluates securities for other-than-temporary impairment (“OTTI”) at least once each quarter, and more frequently when economic or market concerns warrant such evaluation. The evaluation is based upon factors such as the creditworthiness of the issuers/guarantors, the underlying collateral, if applicable, and the continuing performance of the securities. Management also evaluates other facts and circumstances that may be indicative of an OTTI condition. This includes, but is not limited to, an evaluation of the type of security, the length of time and extent to which the fair value of the security has been less than its cost, and the near-term prospects of the issuer. The Company assesses whether a credit loss exists with respect to a security by considering whether (1) the Company has the intent to sell the security, (2) it is more likely than not that it will be required to sell the security before recovery has occurred, or (3) it does not expect to recover the entire amortized cost basis of the security. The Company bifurcates the OTTI impact on impaired securities where impairment in value was deemed to be other than temporary between the component representing credit loss and the component representing loss related to other factors. The portion of the fair value decline attributable to credit loss must be recognized through a charge to earnings. The credit component is determined by comparing the present value of the cash flows expected to be collected, discounted at the rate in effect before recognizing any OTTI, with the amortized cost basis of the debt security. The Company uses the cash flows expected to be realized from the security, which includes assumptions about interest rates, timing and severity of defaults, estimates of potential recoveries, the cash flow distribution from the security and other factors, then applies a discount rate equal to the effective yield of the security. The difference between the present value of the expected cash flows and the amortized book value is considered a credit loss. The fair value of the security is determined using the same expected cash flows; the discount rate is a rate the Company determines from open market and other sources as appropriate for the particular security. The difference between the fair value and the security’s remaining amortized cost is recognized in other comprehensive income (loss). For both the three and nine months ended June 30, 2018 and 2017, the Company did not record any credit losses on investment securities through earnings. U.S. Government and Agency Obligations - Mortgage-Backed Securities – Corporate Debt Securities State and political subdivisions The amortized cost and fair value of debt securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. The maturity table below excludes mortgage-backed securities because the contractual maturities of such securities are not indicative of actual maturities due to significant prepayments. June 30, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 2,000 $ 2,022 $ 5,073 $ 4,969 Due after five through ten years 25,504 24,542 61,602 59,376 Due after ten years 24,571 22,229 47,683 46,564 Total $ 52,075 $ 48,793 $ 114,358 $ 110,909 During both the three and nine month periods ended June 30, 2018, the Company sold one mortgage-back security with an aggregate amortized cost of $5.1 million at an recognized aggregate loss of $268,000 (pre-tax), a corporate bond with an amortized cost of $2.0 million for a loss of $42,000 (pre-tax) and three municipal securities with an aggregate amortized cost of $4.6 million at an aggregate loss of $66,000 (pre-tax). The sales were of securities which bore yields below market rates in order to better position the securities portfolio in a rising rate environment. During the both three and nine month periods ended June 30, 2018 and 2017, the Company did not use investment securities as collateral for any of its FHLB advances.

LOANS RECEIVABLE

LOANS RECEIVABLE	9 Months Ended
	Jun. 30, 2018
Receivables [Abstract]
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: June 30, September 30, 2018 2017 (Dollars in Thousands) One-to-four family residential $ 340,480 $ 351,298 Multi-family residential 38,448 21,508 Commercial real estate 112,332 127,644 Construction and land development 137,820 145,486 Loans to financial institutions 6,000 - Commercial business 14,148 488 Leases 2,169 4,240 Consumer 981 1,943 Total loans 652,378 652,607 Undisbursed portion of loans-in-process (42,082 ) (73,858 ) Deferred loan fees, net (2,800 ) (2,940 ) Allowance for loan losses (5,041 ) (4,466 ) Net loans $ 602,455 $ 571,343 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at June 30, 2018: One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,294 383 1,056 1,600 63 146 23 15 461 5,041 Total ending allowance balance $ 1,294 $ 383 $ 1,056 $ 1,600 $ 63 $ 146 $ 23 $ 15 $ 461 $ 5,041 Loans: Individually evaluated for impairment $ 6,058 $ 303 $ 1,773 $ 8,746 $ - $ - $ - $ - $ 16,880 Collectively evaluated for impairment 334,422 38,145 110,559 129,074 6,000 14,148 2,169 981 635,498 Total loans $ 340,480 $ 38,448 $ 112,332 $ 137,820 $ 6,000 $ 14,148 $ 2,169 $ 981 $ 652,378 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at September 30, 2017: One- to-four family residential Multi-family residential Commercial real Construction and land development Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,241 205 1,201 1,358 4 23 24 410 4,466 Total ending allowance balance $ 1,241 $ 205 $ 1,201 $ 1,358 $ 4 $ 23 $ 24 $ 410 $ 4,466 Loans: Individually evaluated for impairment $ 8,277 $ 317 $ 2,337 $ 8,724 $ - $ - $ 10 $ 19,665 Collectively evaluated for impairment 343,021 21,191 125,307 136,762 488 4,240 1,933 632,942 Total loans $ 351,298 $ 21,508 $ 127,644 $ 145,486 $ 488 $ 4,240 $ 1,943 $ 652,607 The loan portfolio is segmented at a level that allows management to monitor both risk and performance. Management evaluates for potential impairment all construction, multi-family, commercial real estate, commercial business loans, loans to financial institutions, leases and all loans and leases more than 90 days delinquent as to principal and/or interest. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect in full the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Once the determination is made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is generally measured by comparing the recorded investment in the loan to the fair value of the loan using one of the following three methods: (a) the present value of the expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs. Management primarily utilizes the fair value of collateral method as a practically expedient alternative. On collateral method evaluations, any portion of the loan deemed uncollectible is charged-off against the loan loss allowance. The following table presents impaired loans by class as of June 30, 2018, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 6,058 $ 6,058 $ 6,406 Multi-family residential - - 303 303 303 Commercial real estate - - 1,773 1,773 1,860 Construction and land development - - 8,746 8,746 11,127 Total impaired loans $ - $ - $ 16,880 $ 16,880 $ 19,696 The following table presents impaired loans by class as of September 30, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 8,277 $ 8,277 $ 9,245 Multi-family residential - - 317 317 317 Commercial real estate - - 2,337 2,337 2,449 Construction and land development - - 8,724 8,724 11,105 Commercial loans - - 10 10 10 Total impaired loans $ - $ - $ 19,665 $ 19,665 $ 23,126 The following tables present the average recorded investment in impaired loans and related interest income recognized for the periods indicated: Three Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,159 $ - $ 17 Multi-family residential 305 - - Commercial real estate 2,624 - 2 Construction and land development 8,745 - - Total impaired loans $ 17,833 $ - $ 19 Three Months Ended June 30, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,965 $ 12 $ 34 Multi-family residential 326 6 - Commercial real estate 2,801 6 - Construction and land development 9,607 - - Total impaired loans $ 18,699 $ 24 $ 34 Nine Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,636 $ 77 $ 21 Multi-family residential 307 11 - Commercial real estate 3,004 58 2 Construction and land development 8,741 - - Total impaired loans $ 18,688 $ 146 $ 23 Nine Months Ended June 30, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,280 $ 59 $ 91 Multi-family residential 329 17 - Commercial real estate 2,938 41 12 Construction and land development 10,399 - - Total impaired loans $ 18,946 $ 117 $ 103 Federal regulations and our loan policy require that the Company utilize an internal asset classification system as a means of reporting problem and potential problem assets. The Company has incorporated an internal asset classification system, consistent with Federal banking regulations, as a part of its credit monitoring system. Management currently classifies problem and potential problem assets as “special mention”, “substandard,” “doubtful” or “loss” assets. An asset is considered “substandard” if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. “Substandard” assets include those characterized by the “distinct possibility” that the insured institution will sustain “some loss” if the deficiencies are not corrected. Assets classified as “doubtful” have all of the weaknesses inherent in those classified “substandard” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions, and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted. Assets which do not currently expose the insured institution to sufficient risk to warrant classification in one of the three aforementioned categories but possess weaknesses are required to be designated “special mention.” The Company evaluates the classification of one-to-four family residential, leases and consumer loans primarily on a pooled basis. If the Company becomes aware that adverse or distressed conditions exist that may affect a particular single-family residential or consumer loan, the loan is downgraded following the above definitions of special mention, substandard, doubtful and loss. The following tables present the classes of the loan portfolio in which a formal risk rating system is utilized (as compared to a pooled basis) summarized by the aggregate “Pass” and the criticized category of “special mention”, and the classified categories of “substandard”, “doubtful” and “loss” within the Company’s risk rating system as applied to the loan portfolio. The Company had no loans classified as “doubtful” or “loss” at either of the dates presented. June 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 3,608 $ 6,058 $ 9,666 Multi-family residential 38,145 - 303 38,448 Commercial real estate 108,622 1,937 1,773 112,332 Construction and land development 129,074 - 8,746 137,820 Loans to financial institutions 6,000 - - 6,000 Commercial business 14,148 - - 14,148 Total loans $ 295,989 $ 5,545 $ 16,880 $ 318,414 September 30, 2017 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 1,635 $ 3,878 $ 5,513 Multi-family residential 21,191 - 317 21,508 Commercial real estate 125,307 1,449 888 127,644 Construction and land development 136,763 - 8,723 145,486 Commercial business 488 - - 488 Total loans $ 283,749 $ 3,084 $ 13,806 $ 300,639 The following tables represent loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status. Non-performing loans that would be included in the tables are those loans greater than 90 days past due as to principal and/or interest that do not have a designated risk rating. June 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 336,571 $ 3,909 $ 340,480 Leases 2,169 - 2,169 Consumer 981 - 981 Total loans $ 339,721 $ 3,909 $ 343,630 September 30, 2017 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 343,021 $ 2,764 $ 345,785 Leases 4,240 - 4,240 Consumer 1,943 - 1,943 Total residential and consumer loans $ 349,204 $ 2,764 $ 351,968 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is due or overdue, as the case may be. The following table presents the loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans: June 30, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing One-to-four family residential $ 334,362 $ 2,385 $ 3,733 $ 6,118 $ 340,480 $ 3,909 $ - Multi-family residential 38,448 - - - 38,448 - - Commercial real estate 112,332 727 1,473 2,200 114,532 1,543 - Construction and land development 129,074 - 8,746 8,746 137,820 8,746 - Financial institutions 6,000 - - - 6,000 - - Commercial business 11,948 - - - 11,948 - - Leases 2,169 - - - 2,169 - - Consumer 923 58 - 58 981 - - Total loans $ 635,256 $ 3,170 $ 13,952 $ 17,122 $ 652,378 $ 14,198 $ - September 30, 2017 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 346,877 $ 1,746 $ 2,675 $ 4,421 $ 351,298 $ 5,107 $ - Multi-family residential 21,508 - - - 21,508 - - Commercial real estate 125,157 1,000 1,487 2,487 127,644 1,566 - Construction and land development 136,762 - 8,724 8,724 145,486 8,724 - Commercial business 488 - - - 488 - - Leases 4,240 - - - 4,240 - - Consumer 1,874 69 - 69 1,943 - - Total loans $ 636,906 $ 2,815 $ 12,886 $ 15,701 $ 652,607 $ 15,397 $ - The allowance for loan losses is established through a provision for loan losses charged to expense. The Company maintains the allowance at a level believed to cover all known and inherent losses in the portfolio that are both probable and reasonable to estimate at each reporting date. Management reviews the allowance for loan losses no less than quarterly in order to identify these inherent losses and to assess the overall collection probability for the loan portfolio in view of these inherent losses. For each primary type of loan, a loss factor is established reflecting an estimate of the known and inherent losses in such loan type contained in the portfolio using both a quantitative analysis as well as consideration of qualitative factors. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the Company’s loans, the value of collateral securing the loans, the borrowers’ ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. Commercial real estate loans entail significant additional credit risks compared to owner-occupied one-to-four family residential mortgage loans, as they generally involve large loan balances concentrated with single borrowers or groups of related borrowers. In addition, the payment experience on loans secured by income-producing properties typically depends on the successful operation of the related real estate project and/or business operation of the borrower who is, in some cases, also the primary occupant, and thus may be subject to a greater extent to the effects of adverse conditions in the real estate market and in the economy in general. Commercial business loans typically involve a higher risk of default than residential loans of like duration since their repayment is generally dependent on the successful operation of the borrower’s business and the sufficiency of collateral, if any. Land acquisition, development and construction lending exposes the Company to greater credit risk than permanent mortgage financing. The repayment of land acquisition, development and construction loans depends upon the sale of the property to third parties or the availability of permanent financing upon completion of all improvements. These events may adversely affect the sale of the properties, potentially reducing both the borrower’s ability to make required payments as well as reducing the value of the collateral properties. Such lending is additionally subject to the risk that if the estimate of construction cost proves to be inaccurate, the Company potentially will be compelled to advance additional funds to allow completion of the project. In addition, if the estimate of value proves to be inaccurate, the Company may be confronted with a project, when completed, having less value than the loan amount. If the Company is forced to foreclose on a project prior to completion, there is no assurance that the Company would be able to recover the entire unpaid portion of the loan. The following tables summarize the primary segments of the allowance for loan losses. Activity in the allowance is presented for the both three and nine month periods ended June 30, 2018 and 2017: Three Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Charge-offs (114 ) - - - - - (11 ) - - (125 ) Recoveries - - - - - - - - - - Provision 100 178 (27 ) 135 - 40 5 (81 ) (25 ) 325 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Nine Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs (125 ) - - (12 ) - - - - - (137 ) Recoveries 27 - - - - - - - - 27 Provision 151 178 (145 ) 254 62 142 - (8 ) 51 685 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Three Months Ended June 30, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896 Charge-offs - - - - - - - - - Recoveries 132 - - - - - - - 132 Provision (241 ) 36 362 (24 ) 4 (1 ) (111 ) 5 30 ALLL balance at June 30, 2017 $ 1,241 $ 158 $ 1,224 $ 1,011 $ 4 $ 27 $ 24 $ 369 $ 4,058 Nine Months Ended June 30, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2016 $ 1,627 $ 137 $ 859 $ 316 $ 1 $ 21 $ 10 $ 298 $ 3,269 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 157 - - - - - - - 157 Provision (430 ) 21 365 2,514 3 6 30 71 2,580 ALLL balance at June 30, 2017 $ 1,241 $ 158 $ 1,224 $ 1,011 $ 4 $ 27 $ 24 $ 369 $ 4,058 The Company recorded a provision for loan losses in the amount of $325,000 and $685,000 for the three and nine months period ended June 30, 2018, respectively, compared to $30,000 and $2.6 million for the comparable three and nine months periods in fiscal 2017. During the quarter ended June 30, 2018, the Company recorded charge offs of $125,000 and recoveries of $0. The remainder of the increase in the provision was due to increased balances of construction and land development and multi-family residential loans. At June 30, 2018, the Company had 10 loans aggregating $6.2 million that were classified as troubled debt restructurings (“TDRs”). Six of such loans aggregating $1.1 million were performing in accordance with the restructured terms as of June 30, 2018 and accruing interest. Three of the TDRs totaling $4.9 million are on non-accrual and are a part of a troubled lending relationship totaling $10.7 million. The remaining TDR is also on non-accrual and consists of a $156,000 loan secured by various commercial and residential properties. The Company did not restructure any debt during the three month period ended June 30, 2018; there was one loan restructured during the nine month period ending June 30, 2018. The restructuring of the loan entailed extending the maturity date of the loan from December 2017 to April 2018. The loan was paid off in April 2018. The Company did not restructure any debt during the three and nine month periods ended June 30, 2017. As of and for the Nine months Ended June 30, 2018 (Dollars in Thousands) Number of Pre- Modification Post-Modification One-to-four family residential 1 $ 77 $ 77 Total 1 $ 77 $ 77 No TDRs defaulted during the period ending June 30, 2018.

DEPOSITS

DEPOSITS	9 Months Ended
	Jun. 30, 2018
Deposits [Abstract]
DEPOSITS	6. DEPOSITS Deposits consist of the following major classifications: June 30, September 30, 2018 2017 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 64,349 9.0 % $ 76,272 12.0 % Interest-bearing checking accounts 46,469 6.5 54,267 8.5 Non interest-bearing checking accounts 14,315 2.0 9,375 1.5 Passbook, club and statement savings 97,730 13.7 101,743 16.0 Certificates maturing in six months or less 187,930 26.3 154,750 24.3 Certificates maturing in more than six months 304,260 42.5 239,575 37.7 Total $ 715,053 100.0 % $ 635,982 100.0 % Certificates of $250,000 and over totaled $40.3 million as of June 30, 2018 and $28.9 million as of September 30, 2017.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	9 Months Ended
	Jun. 30, 2018
Debt Disclosure [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK-SHORT TERM As of June 30, 2018 and September 30, 2017 outstanding balances and related information of short-term borrowings from the FHLB are summarized follows: June 30, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Advances 6-Oct-17 1.30 % Not Applicable - $ 10,000 Fixed Rate - Advances 13-Oct-17 1.31 % Not Applicable - 10,000 Weighted average rate 1.31 % Fixed Rate - Advances 2-Jul-18 2.10 % Not Applicable $ 5,000 - Fixed Rate - Advances 11-Jul-18 2.15 % Not Applicable 10,000 - Fixed Rate - Advances 14-Sep-18 2.22 % Not Applicable 20,000 - Weighted average rate 2.18 % $ 35,000 $ 20,000 As of June 30, 2018, short-term advances consisted of $35.0 million maturing in three month or less. One advance for $10.0 million at June 30, 2018 was applied to an interest rate swap contract with an effective cost of 280 basis points, while the remaining $25.0 million of advances were used to fund short-term liquidity needs. There were two $10.0 million advances associated with two interest rate swap contracts with a weighted average effective cost of 125 basis points and 117 basis points respectively at June 30, 2017.

ADVANCES FROM FEDERAL HOME LO16

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	9 Months Ended
	Jun. 30, 2018
Advances from Federal Home Loan Banks [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	8. ADVANCES FROM FEDERAL HOME LOAN BANK – LONG TERM Pursuant to collateral agreements with the FHLB of Pittsburgh, advances are secured by a blanket collateral of loans held by the Company and qualifying fixed-income securities and FHLB stock. The long-term advances outstanding as of June 30, 2018 and September 30, 2017 are as follows: June 30, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Amortizing 1-Dec-17 1.16 % Not Applicable $ - $ 505 Fixed Rate - Amortizing 18-Nov-19 1.53 % Not Applicable 1,987 3,044 Fixed Rate - Amortizing 26-Oct-20 1.94 % Not Applicable 3,131 - Fixed Rate - Amortizing 16-Mar-21 2.64 % Not Applicable 2,298 - Fixed Rate - Amortizing 19-Apr-21 2.72 % Not Applicable 2,844 Fixed Rate - Amortizing 19-Apr-21 2.75 % Not Applicable 4,070 Fixed Rate - Amortizing 3-May-21 2.83 % Not Applicable 8,760 Fixed Rate - Amortizing 7-May-21 2.82 % Not Applicable 4,380 Fixed Rate - Amortizing 12-Oct-21 1.99 % Not Applicable 2,517 Fixed Rate - Amortizing 20-Jun-22 2.94 % Not Applicable 5,000 - Fixed Rate - Amortizing 15-Aug-23 1.94 % Not Applicable 1,736 1,974 2.57 % (a) 36,723 5,523 Fixed Rate - Advances 17-Nov-17 1.20 % Not Applicable - 10,000 Fixed Rate - Advances 4-Dec-17 1.15 % Not Applicable - 2,000 Fixed Rate - Advances 19-Mar-18 2.53 % Not Applicable - 5,029 Fixed Rate - Advances 19-Mar-18 2.13 % Not Applicable - 5,041 Fixed Rate - Advances 20-Jun-18 1.86 % Not Applicable - 3,011 Fixed Rate - Advances 25-Jun-18 2.09 % Not Applicable - 3,016 Fixed Rate - Advances 27-Aug-18 4.15 % Not Applicable 7,030 7,174 Fixed Rate - Advances 15-Nov-18 1.89 % Not Applicable 3,005 3,014 Fixed Rate - Advances 16-Nov-18 1.40 % Not Applicable 7,500 7,500 Fixed Rate - Advances 26-Nov-18 1.81 % Not Applicable 2,003 2,008 Fixed Rate - Advances 3-Dec-18 1.54 % Not Applicable 3,000 3,000 Fixed Rate - Advances 16-Aug-19 2.66 % Not Applicable 3,033 3,056 Fixed Rate - Advances 9-Oct-19 2.54 % Not Applicable 2,021 2,034 Fixed Rate - Advances 26-Nov-19 2.35 % Not Applicable 3,033 3,062 Fixed Rate - Advances 22-Jun-20 2.60 % Not Applicable 3,045 3,000 Fixed Rate - Advances 24-Jun-20 2.85 % Not Applicable 2,039 2,054 Fixed Rate - Advances 27-Jul-20 1.38 % Not Applicable 249 249 Fixed Rate - Advances 17-Aug-20 3.06 % Not Applicable 2,050 2,068 Fixed Rate - Advances 9-Oct-20 2.92 % Not Applicable 2,046 2,061 Fixed Rate - Advances 27-Jul-21 1.52 % Not Applicable 249 249 Fixed Rate - Advances 28-Jul-21 1.48 % Not Applicable 249 249 Fixed Rate - Advances 29-Jul-21 1.42 % Not Applicable 249 249 Fixed Rate - Advances 19-Aug-21 1.55 % Not Applicable 249 249 Fixed Rate - Advances 7-Oct-21 3.19 % Not Applicable 2,073 2,089 Fixed Rate - Advances 12-Oct-21 3.23 % Not Applicable 2,069 2,084 Fixed Rate - Advances 20-Oct-21 2.12 % Not Applicable 4,000 - Fixed Rate - Advances 6-Jun-22 2.05 % Not Applicable 10,000 10,000 Fixed Rate - Advances 6-Sep-22 1.94 % Not Applicable 249 249 Fixed Rate - Advances 22-Sep-22 2.11 % Not Applicable 5,000 5,000 Fixed Rate - Advances 12-Oct-22 2.22 % Not Applicable 3,000 - Fixed Rate - Advances 17-Oct-22 2.18 % Not Applicable 3,000 - Fixed Rate - Advances 26-Oct-22 2.29 % Not Applicable 3,000 - Fixed Rate - Advances 31-Oct-22 2.30 % Not Applicable 2,000 - Fixed Rate - Advances 13-Dec-22 2.44 % Not Applicable 4,000 - Fixed Rate - Advances 17-Jan-23 2.58 % Not Applicable 5,000 - Fixed Rate - Advances 27-Mar-23 2.93 % Not Applicable 3,000 - Fixed Rate - Advances 9-May-24 3.20 % Not Applicable 5,000 - 2.46 % (a) 92,441 88,795 (a) Weighted average coupon rate Total $ 129,164 $ 94,318

DERIVATIVES

DERIVATIVES	9 Months Ended
	Jun. 30, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	9. DERIVATIVES The Company has contracted with a third party to participate in interest rate swap contracts. One of the swaps is a cash flow hedge associated with a $10.0 million FHLB advance at June 30, 2018. There were two cash flow hedges associated with $20.0 million of FHLB advances at September 30, 2017. These interest rate swaps involve the receipt of variable rate amounts from a counterparty in exchange for the Company making fixed payments. During the quarters ended June 30, 2018 and 2017, no income was recognized as ineffectiveness through earnings. During the nine month period ended June 30, 2018, $49,000 of income was recognized as ineffectiveness through earnings, while none was recognized as ineffectiveness through earnings during the comparable period in fiscal 2017. The two interest rate SWAPs from the 2017 period were unwound during June 2018 at a pre-tax gain of $808,000. There were nine interest rate swaps designated as a fair value hedge involving the receipt of variable-rate payments from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements applicable to two loans and seven investment securities as of September 30, 2017. There was one interest rate swap designated as a fair value hedge involving the receipt of variable-rate payments from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements applicable to a $1.1 million commercial loan as of September 30, 2017. During the quarter ended June 30, 2018, $1,000 of income was recognized through earnings, while none was recognized through earnings during the comparable period in 2017. During the nine month period ended June 30, 2018, $15,000 of income was recognized through earnings, while none was recognized through earnings during the comparable period in fiscal 2017. Below is a summary of the interest rate swap agreements and the terms as of June 30, 2018. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (loss) (Dollar in thousands) Interest rate swap contract $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - $ (202 ) Below is a summary of the interest rate swap agreements and the terms as of September 30, 2017. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollar in thousands) Interest rate swap contract $ 10,000 1.15 % 1 Mth Libor 6-Apr-21 $ 217 Interest rate swap contract 10,000 1.18 % 1 Mth Libor 13-Jun-21 223 Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 62 $ 502 All interest swaps are carried at fair value in accordance with FASB ASC 815 “Derivatives and Hedging.”

INCOME TAXES

INCOME TAXES	9 Months Ended
	Jun. 30, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: June 30, September 30, 2018 2017 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,390 $ 1,675 Nonaccrual interest 310 349 Accrued vacation 7 12 Capital loss carryforward 300 476 Split dollar life insurance 10 15 Post-retirement benefits 58 98 Unrealized losses on available for sale securities 1,712 569 Unrealized losses on interest rate swaps 43 - Deferred compensation 847 1,439 Goodwill 83 148 Purchse accounting adjustments 198 731 Other 48 254 Employee benefit plans 99 90 Total deferred tax assets 5,105 5,856 Valuation allowance (239 ) (378 ) Total deferred tax assets, net of valuation allowance 4,866 5,478 Deferred tax liabilities: Property 132 332 Unrealized gains on interest rate swaps - 171 Deferred loan fees 419 884 Total deferred tax liabilities 551 1,387 Net deferred tax assets $ 4,315 $ 4,091 The Company establishes a valuation allowance for deferred tax assets when management believes that the use of the deferred tax assets is not likely to be fully realized through future reversals of existing taxable temporary differences, and/or to a lesser extent, future taxable income. The tax deduction generated by the redemption of the shares of a mutual fund held by the Bank and the subsequent impairment charge on the assets acquired through the redemption in kind are considered capital losses and can only be utilized to the extent of capital gains recognized over a five year period, resulting in the establishment of a valuation allowance for the carryforward period. The valuation allowance totaled $239,000 and $378,000 at June 30, 2018, and September 30, 2017, respectively. For the nine-month period ended June 30, 2018, the Company recorded income tax expense of $3.6 million, which included a $1.8 million one-time non-cash charge related to a re-evaluation of the Company’s deferred tax assets as a result of the enactment of the Tax Cuts and Jobs Act in December 2017, compared to tax expense of $230,000 for the same period in 2017. The reevaluation reflected the effect of the significant decline in the federal corporate income tax rate applicable to the Company. During fiscal 2018, commencing with the quarter ended December 31, 2017, the Company’s statutory income tax rate will be 24.25% as compared to companies which are calendar year tax reporting companies whose statutory rate will decrease to 21% starting January 1, 2018. Effective October 1, 2018, the Company’s statutory tax rate will be reduced to 21%. The income tax expense differs from that computed at the statutory federal corporate tax rate as follows: For The Nine Months Ended June 30, 2018 2017 Percentage Percentage of Pretax of Pretax Amount Income Amount Income (Dollars in Thousands) Tax expense at statutory rate $ 1,985 24.25 % $ 319 (34.00 )% Adjustments resulting from: Write-down of deferred tax asset 1,756 21.45 - - Non deductible merger expenses - - 31 3.31 Tax exempt income (108 ) (1.32 ) (53 ) (5.65 ) Income from bank owned life insurance (116 ) (1.42 ) (172 ) (18.34 ) Employee benefit plans 54 0.66 103 11.01 Other (12 ) (0.15 ) 2 0.22 Income tax expense $ 3,559 43.47 % $ 230 24.55 % There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Company recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statements of Operations as a component of income tax expense. During fiscal 2017, the Internal Revenue Service conducted an audit of the Company’s tax return for the year ended September 30, 2014, and no adverse findings were reported. The Company’s federal and state income tax returns for taxable years through September 30, 2014 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	9 Months Ended
	Jun. 30, 2018
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
STOCK COMPENSATION PLANS	11. STOCK COMPENSATION PLANS The Company maintains the 2008 Recognition and Retention Plan (“RRP”) which is administered by a committee of the Board of Directors of the Company. The RRP provides for the grant of shares of common stock of the Company to officers, employees and directors of the Company. In order to fund the grant of shares under the RRP, the 2008 RRP purchased 213,528 shares (on a converted basis) of the Company’s common stock in the open market for an aggregating cost of approximately $2.5 million, at an average purchase price per share of $11.49. The Company made sufficient contributions to the 2008 RRP to fund these purchases. Shares subject to awards under the 2008 RRP generally vest at the rate of 20% per year over five years. During February 2015, shareholders approved the 2014 Stock Incentive Plan (the “2014 SIP”). As part of the 2014 SIP, a maximum of 285,655 shares of common stock can be awarded as restricted stock awards or units, of which 233,500 shares were awarded during February 2015. In August 2016, the Company granted 7,473 shares under the 2008 RRP and 3,027 shares under the 2014 SIP. In March 2017, the Company granted 17,128 shares under the 2014 SIP. In March 2018, the Company granted 8,209 shares under the 2008 RRP and 18,291 shares under the 2014 SIP. Compensation expense related to the shares subject to restricted stock awards granted is recognized ratably over the five-year vesting period in an amount which totals the grant date fair value multiplied by the number of shares subject to the grant. During the three and nine months ended June 30, 2018, an aggregate of $158,000 and $408,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the 2014 SIP. During the three and nine months ended June 30, 2017, $149,000 and $430,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the 2014 SIP. At June 30, 2018, approximately $1.5 million in additional compensation expense for shares awarded related to the 2008 RRP and 2014 SIP remained unrecognized. A summary of the Company’s non-vested stock award activity for the nine months ended June 30, 2018 and 2017 is presented in the following tables: Nine Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.07 Nonvested stock awards at June 30, 2018 129,083 $ 14.17 Nine Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2016 172,788 $ 12.03 Granted 17,128 17.43 Forfeited - - Vested (43,755 ) 11.59 Nonvested stock awards at June 30, 2017 146,161 $ 12.78 The Company maintains the 2008 Stock Option Plan (the “2008 Option Plan”) which authorizes the grant of stock options to officers, employees and directors of the Company to acquire shares of common stock with an exercise price at least equal to the fair market value of the common stock on the grant date. Options generally become vested and exercisable at the rate of 20% per year over five years and are generally exercisable for a period of ten years after the grant date. A total of 533,808 shares of common stock were approved for future issuance pursuant to the 2008 Option Plan. As of June 30, 2018, all of the options had been awarded under the 2008 Option Plan. The 2014 SIP reserved up to 714,145 shares for issuance pursuant to options. Options to purchase 605,000 shares were awarded during February 2015. During August 2016, the Company granted 18,867 shares under the 2008 Option Plan and 8,633 shares under the 2014 SIP. In March 2017, the Company granted 22,828 shares under the 2014 SIP. In May 2017, the Company granted 24,717 shares under the 2014 SIP and 283 shares under the 2008 Option Plan. In March 2018, the Company granted 159,265 shares under the 2014 SIP and 18,235 shares under the 2008 Option Plan. A summary of the status of the Company’s stock options under the 2008 Option Plan and the 2014 SIP for the nine months ended June 30, 2018 and 2017 are presented below: Nine Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (110,926 ) 11.73 Forfeited (12,234 ) 11.90 Outstanding at June 30, 2018 976,904 $ 13.15 Exercisable at June 30, 2018 521,630 $ 11.49 Nine Months Ended Number of Weighted Average Outstanding at October 1, 2016 921,909 $ 11.70 Granted 47,828 17.48 Exercised (40,757 ) 11.48 Forfeited - - Outstanding at June 30, 2017 928,980 $ 11.85 Exercisable at June 30, 2017 552,435 $ 11.43 The weighted average remaining contractual term for options outstanding as of June 30, 2018 was approximately 3.8 years. The estimated fair value of options granted during fiscal 2009 was $2.98 per share, $2.92 for options granted during fiscal 2010, $3.34 for options granted during fiscal 2013, $4.67 for the options granted during fiscal 2014, $4.58 for options granted during fiscal 2015, $2.13 for options granted during fiscal 2016, $3.18 for options granted during fiscal 2017 and $3.63 for options granted to date in fiscal 2018. The fair value for grants made in fiscal 2017 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise price range from $17.43 to $18.39, expected term of seven years, volatility of 14.37%, interest rate of 2.22% and a yield of 0.69%. The fair value for grants made in March 2018 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise price of $18.46, expected term of seven years, volatility of 15.9%, interest rate of 2.82% and a yield of 1.08%. During the three and nine months ended June 30, 2018, $150,000 and $389,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. During the three and nine months ended June 30, 2017, $139,000 and $397,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. At June 30, 2018, there was approximately $1.5 million in additional compensation expense to be recognized for awarded options which remained outstanding and unvested at such date. The weighted average period over which this expense will be recognized is approximately 2.6 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	9 Months Ended
	Jun. 30, 2018
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At June 30, 2018, the Company had $27.4 million in outstanding commitments to originate fixed-rate loans with market interest rates ranging from 5.15% to 5.75%. At September 30, 2017, the Company had $45.9 million in outstanding commitments to originate fixed-rate loans with market interest rates ranging from 3.75% to 5.25%. The aggregate undisbursed portion of loans-in-process amounted to $42.1 million at June 30, 2018 and $73.9 million at September 30, 2017. The Company also had commitments under unused lines of credit of $66.9 million as of June 30, 2018 and $7.4 million as of September 30, 2017 and letters of credit outstanding of $1.7 million as of June 30, 2018 and $1.4 million as of September 30, 2017. The increase in unused commitments as of June 30, 2018 was primarily the result of six construction loans with unused commitments totaling $50.5 million, as of such date. Among the Company’s contingent liabilities are exposures to limited recourse arrangements with respect to the Company’s sales of whole loans and participation interests. At June 30, 2018, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.7 million related to loans sold to the FHLB. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred. These loans are seasoned loans and remain performing. The Company is involved in various legal proceedings occurring in the ordinary course of business. Management of the Company, based on discussions with litigation counsel, believes that such proceedings will not have a material adverse effect on the financial condition, operations or cash flows of the Company. However, there can be no assurance that any of the outstanding legal proceedings to which the Company is a party will not be decided adversely to the Company's interests and not have a material adverse effect on the financial condition and operations of the Company.

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	9 Months Ended
	Jun. 30, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT	13. FAIR VALUE MEASUREMENT The fair value estimates presented herein are based on pertinent information available to management as of June 30, 2018 and September 30, 2017, respectively. Although management is not aware of any factors that would significantly affect the fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Generally accepted accounting principles used in the United States establish a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value. The three broad levels of hierarchy are as follows: Level 1 Quoted prices in active markets for identical assets or liabilities. Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Those assets as of June 30, 2018 which are to be measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,504 $ - $ 24,504 Mortgage-backed securities - U.S. Government agencies - 159,324 - 159,324 State and political subdivisions - 22,059 - 22,059 Corporate bonds - 64,346 - 64,346 FHLMC preferred stock 42 - - 42 Total $ 42 $ 270,233 $ - $ 270,275 Liabilities: Interest rate swap contracts: $ - $ 186 $ - $ 186 Total $ - $ 186 $ - $ 186 Those assets as of September 30, 2017 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 25,799 $ - $ 25,799 Mortgage-backed securities - U.S. Government agencies - 118,127 - 118,127 Corporate bonds - 34,400 - 34,400 FHLMC preferred stock 76 - - 76 Interest rate swap contracts - 502 - 502 Total $ 76 $ 178,828 $ - $ 178,904 Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The Company measures impaired loans and real estate owned at fair value on a non-recurring basis. Impaired Loans The Company considers loans to be impaired when it becomes more likely than not that the Company will be unable to collect all amounts due (principle and interest) in accordance with the contractual terms of the loan agreements. Collateral dependent impaired loans are based on the fair value of the collateral which is based on appraisals and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including the age of the appraisal, age of the comparables included in the appraisal, and known changes in the market and in the collateral. These adjustments are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. These loans are reviewed for impairment and written down to their net realizable value by charges against the allowance for loan losses. The collateral underlying these loans had a fair value in excess of $16.8 million as of June 30, 2018. Real Estate Owned Once an asset is determined to be uncollectible, the underlying collateral is generally repossessed and reclassified to foreclosed real estate and repossessed assets. These repossessed assets are carried at the lower of cost or fair value of the collateral, based on independent appraisals, less cost to sell and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including age of the appraisal, age of the comparable included in the appraisal, and known changes in the market and in the collateral. As a result, the evaluations are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. Summary of Non-Recurring Fair Value Measurements At June 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,880 $ 16,880 Real estate owned - - 85 85 Total $ - $ - $ 16,965 $ 16,965 At September 30, 2017 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 19,665 $ 19,665 Real estate owned - - 192 192 Total $ - $ - $ 19,857 $ 19,857 The following table provides information describing the valuation processes used to determine nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy: At June 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,880 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 10% discount/10% Real estate owned $ 85 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2017 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 19,665 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 57% discount/7% Real estate owned $ 192 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. (3) Includes qualitative adjustments by management and estimated liquidation expenses. The fair value of financial instruments has been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is necessarily required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. Fair Value Measurements at June 30, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 36,055 $ 36,055 $ 36,055 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 270,275 270,275 42 270,233 - Investment and mortgage-backed securities held to maturity 58,127 54,884 - 54,884 - Loans receivable, net 602,455 600,280 - - 600,280 Accrued interest receivable 3,670 3,670 3,670 - - Other real estate owned 85 85 85 - - Federal Home Loan Bank stock 7,909 7,909 7,909 - - Bank owned life insurance 28,533 28,533 28,533 - - Interest rate swap contracts - - - - - Liabilities: Checking accounts 60,784 60,784 60,784 - - Money market deposit accounts 64,349 64,349 64,349 - - Passbook, club and statement savings accounts 97,730 97,730 97,730 - - Certificates of deposit 492,190 496,678 - - 496,678 Accrued interest payable 2,179 2,179 2,179 - - Advances from FHLB -short-term 35,000 35,000 35,000 - - Advances from FHLB -long-term 129,164 126,054 - - 126,054 Advances from borrowers for taxes and insurance 3,808 3,808 3,808 - - Interest rate swap contracts 202 202 - 202 - Fair Value Measurements at September 30, 2017 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 27,903 $ 27,903 $ 27,903 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 178,402 178,402 76 178,326 - Investment and mortgage-backed securities held to maturity 61,284 60,179 - 60,179 - Loans receivable, net 571,343 575,876 - - 575,876 Accrued interest receivable 2,825 2,825 2,825 - - Federal Home Loan Bank stock 6,002 6,002 6,002 - - Interest rate swap contracts 502 502 - 502 - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 59,956 59,956 59,956 - - Money market deposit accounts 48,797 48,797 48,797 - - Passbook, club and statement savings accounts 101,743 101,743 101,743 - - Certificates of deposit 394,325 398,078 - - 398,078 Advances from FHLB -short-term 20,000 20,000 20,000 - - Advances from FHLB -long-term 94,318 93,579 - - 93,579 Accrued interest payable 1,933 1,933 1,933 - - Advances from borrowers for taxes and insurance 2,207 2,207 2,207 - - Cash and Cash Equivalents Investments and Mortgage-Backed Securities - Loans Receivable - Accrued Interest Receivable – Federal Home Loan Bank (FHLB) Stock - Bank Owned Life Insurance - Checking Accounts, Money Market Deposit Accounts, Passbook Accounts, Club Accounts, Statement Savings Accounts, and Certificates of Deposit - Short-term Advances from Federal Home Loan Bank - Long-term Advances from Federal Home Loan Bank - Accrued Interest Payable – Advances from borrowers for taxes and insurance – Interest Rate Swaps – Commitments to Extend Credit and Letters of Credit -

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	9 Months Ended
	Jun. 30, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	14. GOODWILL AND OTHER INTANGIBLE ASSETS The Company’s goodwill and intangible assets are related to the acquisition of Polonia Bancorp on January 1, 2017. Balance Balance October 1, Additions/ June 30, Amortization 2017 Adjustments Amortization 2018 Period (Dollars in Thousands) Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 710 - (105 ) 605 10 years $ 6,812 $ - $ (105 ) $ 6,707 As of June 30, 2018, and for the future fiscal periods, the amortization expense for the core deposit intangible is: (Dollars In Thousands) 2018 $ 33 2019 123 2020 108 2021 93 2022 78 Thereafter 170 Total $ 605

SIGNIFICANT ACCOUNTING POLICI23

SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Jun. 30, 2018
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation –
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements
Recent Accounting Pronouncements	Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers Revenue from Contracts with Customers Topic 606 . In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20). . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beg For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In May 2017, the FASB issued ASU 2017-09, Compensation – Stock Compensation (Topic 718) This Update is not expected to have a significant impact on the Company’s financial statements. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850) . The Company early adopted the ASU during the quarter ended June 30, 2018. There was not a significant impact on the Company’s financial statements. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220) In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Jun. 30, 2018
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended June 30, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Per Share Data) Net income $ 2,436 $ 2,436 $ 2,117 $ 2,117 Weighted average shares outstanding 8,848,393 8,848,393 8,652,699 8,652,699 Effect of common stock equivalents - 378,912 - 656,370 Adjusted weighted average shares used in earnings per share computation 8,848,393 9,227,305 8,652,699 9,309,069 Earnings per share $ 0.28 $ 0.26 $ 0.25 $ 0.25 Nine Months Ended June 30, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Per Share Data) Net income $ 4,627 $ 4,627 $ 707 $ 707 Weighted average shares outstanding 8,851,784 8,851,784 8,202,950 8,202,950 Effect of common stock equivalents - 342,432 - 570,792 Adjusted weighted average shares used in earnings per share computation 8,851,784 9,194,216 8,202,950 8,773,742 Earnings per share $ 0.52 $ 0.50 $ 0.08 $ 0.08

ACCUMULATED OTHER COMPREHENSI25

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Jun. 30, 2018
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive income (loss)	Three Months Ended June 30, Three Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain Total accumulated Unrealized gain Unrealized gain Total accumulated Beginning balance, April 1 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) Other comprehensive (loss) income before reclassification (1,721 ) (31 ) (1,752 ) 739 (60 ) 679 Amount reclassified from accumulated other comprehensive income 245 (638 ) (393 ) (46 ) - (46 ) Total (6,441 ) (159 ) (6,600 ) (1,017 ) 330 (687 ) Reclassification due to change in federal income tax rate - - - - - - Ending Balance, June 30 $ (6,441 ) $ (159 ) $ (6,600 ) $ (1,017 ) $ 330 $ (687 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the changes in accumulated other comprehensive (loss) income by component net of tax: Nine Months Ended June 30, Nine Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Unrealized gain (loss) Unrealized gain Total accumulated Unrealized gain Unrealized gain Total accumulated Beginning balance, October 1 $ (1,091 ) $ 331 $ (760 ) $ 931 $ (133 ) $ 798 Other comprehensive (loss) income before reclassification (5,292 ) 148 (5,144 ) (1,902 ) 463 (1,439 ) Amount reclassified from accumulated other comprehensive income 245 (638 ) (393 ) (46 ) - (46 ) Total (6,138 ) (159 ) (6,297 ) (1,017 ) 330 (687 ) Reclassification due to change in federal income tax rate (303 ) - (303 ) - - - Ending Balance, June 30 $ (6,441 ) $ (159 ) $ (6,600 ) $ (1,017 ) $ 330 $ (687 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.
Schedule of amounts reclassified out of each component of accumulated other comprehensive income (loss)	Three Months Ended June 30, Three Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Securities Swaps Total Securities Swaps Total Unrealized (losses) gain $ (310 )(1) $ 808 (2) $ 498 $ 70 (1) $ - $ 70 65 (3) (170 )(3) (105 ) (24 )(3) - (24 ) $ (245 ) $ 638 $ 393 $ 46 $ - $ 46 Nine Months Ended June 30, Nine Months Ended June 30, 2018 2018 2018 2017 2017 2017 (Dollars in Thousands) Securities Swaps Total Securities Swaps Total Unrealized (losses) gain $ (310 )(1) $ 808 (2) $ 498 $ 70 (1) $ - $ 70 65 (3) (170 )(3) (105 ) (24 )(3) - (24 ) $ (245 ) $ 638 $ 393 $ 46 $ - $ 46 (1) Recorded as a loss on the sale of investment securities (2) Recorded as Swap income (3) Recorded as income tax benefit (expense)

INVESTMENT AND MORTGAGE-BACKE26

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	9 Months Ended
	Jun. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	June 30, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,592 $ - $ (1,088 ) $ 24,504 Mortgage-backed securities - U.S. government agencies 164,064 90 (4,830 ) 159,324 State and political subdivisions 22,091 - (32 ) 22,059 Corporate debt securities 66,675 27 (2,356 ) 64,346 Total debt securities available for sale 278,422 117 (8,306 ) 270,233 FHLMC preferred stock 6 36 - 42 Total securities available for sale $ 278,428 $ 153 $ (8,306 ) $ 270,275 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 114 $ (2,863 ) $ 30,751 Mortgage-backed securities - U.S. government agencies 6,052 171 (132 ) 6,091 State and political subdivisions 18,575 5 (538 ) 18,042 Total securities held to maturity $ 58,127 $ 290 $ (3,533 ) $ 54,884 September 30, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 26,125 $ 9 $ (335 ) $ 25,799 Mortgage-backed securities - U.S. government agencies 119,456 146 (1,475 ) 118,127 Corporate debt securities 34,500 185 (285 ) 34,400 Total debt securities available for sale 180,081 340 (2,095 ) 178,326 FHLMC preferred stock 6 70 - 76 Total securities available for sale $ 180,087 $ 410 $ (2,095 ) $ 178,402 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 229 $ (1,688 ) $ 32,041 State and political subdivisions 20,781 165 (104 ) 20,842 Mortgage-backed securities - U.S. government agencies 7,003 304 (11 ) 7,296 Total securities held to maturity $ 61,284 $ 698 $ (1,803 ) $ 60,179
Schedule of gross unrealized losses and related fair values of investment securities	Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (1,088 ) $ 24,504 $ - $ - $ (1,088 ) $ 24,504 Mortgage-backed securities - U.S. government agencies (3,038 ) 104,320 (1,792 ) 37,699 (4,830 ) 142,019 State and political subdivisions (32 ) 3,142 - - (32 ) 3,142 Corporate debt securities (2,356 ) 60,568 - - (2,356 ) 60,568 Total securities available for sale $ (6,514 ) $ 192,534 $ (1,792 ) $ 37,699 $ (8,306 ) $ 230,233 Securities Held to Maturity: U.S. government and agency obligations $ (2,863 ) $ 27,636 $ - $ - $ (2,863 ) $ 27,636 Mortgage-backed securities - U.S. government agencies (91 ) 2,777 (41 ) 985 (132 ) 3,762 State and political subdivisions (538 ) 16,003 - - (538 ) 16,003 Total securities held to maturity $ (3,492 ) $ 46,416 $ (41 ) $ 985 $ (3,533 ) $ 47,401 Total $ (10,006 ) $ 238,950 $ (1,833 ) $ 38,684 $ (11,839 ) $ 277,634 Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (335 ) $ 20,655 $ - $ - $ (335 ) $ 20,655 Mortgage-backed securities - U.S. government agencies (1,135 ) 77,176 (340 ) 11,684 (1,475 ) 88,860 Corporate debt securities (285 ) 22,511 - - (285 ) 22,511 Total securities available for sale $ (1,755 ) $ 120,342 $ (340 ) $ 11,684 $ (2,095 ) $ 132,026 Securities Held to Maturity: U.S. government and agency obligations $ (1,688 ) $ 28,813 $ - $ - $ (1,688 ) $ 28,813 Mortgage-backed securities - U.S. government agencies (11 ) 1,176 - - (11 ) 1,176 State and political subdivisions (104 ) 7,854 - - (104 ) 7,854 Total securities held to maturity $ (1,803 ) $ 37,843 $ $ $ (1,803 ) $ 37,843 Total $ (3,558 ) $ 158,185 $ (340 ) $ 11,684 $ (3,898 ) $ 169,869
Schedule of amortized cost and fair value of debt securities by contractual maturity	June 30, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 2,000 $ 2,022 $ 5,073 $ 4,969 Due after five through ten years 25,504 24,542 61,602 59,376 Due after ten years 24,571 22,229 47,683 46,564 Total $ 52,075 $ 48,793 $ 114,358 $ 110,909

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	9 Months Ended
	Jun. 30, 2018
Receivables [Abstract]
Schedule of loans receivable	June 30, September 30, 2018 2017 (Dollars in Thousands) One-to-four family residential $ 340,480 $ 351,298 Multi-family residential 38,448 21,508 Commercial real estate 112,332 127,644 Construction and land development 137,820 145,486 Loans to financial institutions 6,000 - Commercial business 14,148 488 Leases 2,169 4,240 Consumer 981 1,943 Total loans 652,378 652,607 Undisbursed portion of loans-in-process (42,082 ) (73,858 ) Deferred loan fees, net (2,800 ) (2,940 ) Allowance for loan losses (5,041 ) (4,466 ) Net loans $ 602,455 $ 571,343
Schedule of loans individually and collectively evaluated for impairment by loan segment	One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,294 383 1,056 1,600 63 146 23 15 461 5,041 Total ending allowance balance $ 1,294 $ 383 $ 1,056 $ 1,600 $ 63 $ 146 $ 23 $ 15 $ 461 $ 5,041 Loans: Individually evaluated for impairment $ 6,058 $ 303 $ 1,773 $ 8,746 $ - $ - $ - $ - $ 16,880 Collectively evaluated for impairment 334,422 38,145 110,559 129,074 6,000 14,148 2,169 981 635,498 Total loans $ 340,480 $ 38,448 $ 112,332 $ 137,820 $ 6,000 $ 14,148 $ 2,169 $ 981 $ 652,378 One- to-four family residential Multi-family residential Commercial real Construction and land development Commercial business Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,241 205 1,201 1,358 4 23 24 410 4,466 Total ending allowance balance $ 1,241 $ 205 $ 1,201 $ 1,358 $ 4 $ 23 $ 24 $ 410 $ 4,466 Loans: Individually evaluated for impairment $ 8,277 $ 317 $ 2,337 $ 8,724 $ - $ - $ 10 $ 19,665 Collectively evaluated for impairment 343,021 21,191 125,307 136,762 488 4,240 1,933 632,942 Total loans $ 351,298 $ 21,508 $ 127,644 $ 145,486 $ 488 $ 4,240 $ 1,943 $ 652,607
Schedule of impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required	Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 6,058 $ 6,058 $ 6,406 Multi-family residential - - 303 303 303 Commercial real estate - - 1,773 1,773 1,860 Construction and land development - - 8,746 8,746 11,127 Total impaired loans $ - $ - $ 16,880 $ 16,880 $ 19,696 Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 8,277 $ 8,277 $ 9,245 Multi-family residential - - 317 317 317 Commercial real estate - - 2,337 2,337 2,449 Construction and land development - - 8,724 8,724 11,105 Commercial loans - - 10 10 10 Total impaired loans $ - $ - $ 19,665 $ 19,665 $ 23,126
Schedule of average investment in impaired loans and related interest income recognized	Three Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,159 $ - $ 17 Multi-family residential 305 - - Commercial real estate 2,624 - 2 Construction and land development 8,745 - - Total impaired loans $ 17,833 $ - $ 19 Three Months Ended June 30, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,965 $ 12 $ 34 Multi-family residential 326 6 - Commercial real estate 2,801 6 - Construction and land development 9,607 - - Total impaired loans $ 18,699 $ 24 $ 34 Nine Months Ended June 30, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,636 $ 77 $ 21 Multi-family residential 307 11 - Commercial real estate 3,004 58 2 Construction and land development 8,741 - - Total impaired loans $ 18,688 $ 146 $ 23 Nine Months Ended June 30, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,280 $ 59 $ 91 Multi-family residential 329 17 - Commercial real estate 2,938 41 12 Construction and land development 10,399 - - Total impaired loans $ 18,946 $ 117 $ 103
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	June 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 3,608 $ 6,058 $ 9,666 Multi-family residential 38,145 - 303 38,448 Commercial real estate 108,622 1,937 1,773 112,332 Construction and land development 129,074 - 8,746 137,820 Loans to financial institutions 6,000 - - 6,000 Commercial business 14,148 - - 14,148 Total loans $ 295,989 $ 5,545 $ 16,880 $ 318,414 September 30, 2017 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 1,635 $ 3,878 $ 5,513 Multi-family residential 21,191 - 317 21,508 Commercial real estate 125,307 1,449 888 127,644 Construction and land development 136,763 - 8,723 145,486 Commercial business 488 - - 488 Total loans $ 283,749 $ 3,084 $ 13,806 $ 300,639
Schedule of loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing	June 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 336,571 $ 3,909 $ 340,480 Leases 2,169 - 2,169 Consumer 981 - 981 Total loans $ 339,721 $ 3,909 $ 343,630 September 30, 2017 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 343,021 $ 2,764 $ 345,785 Leases 4,240 - 4,240 Consumer 1,943 - 1,943 Total residential and consumer loans $ 349,204 $ 2,764 $ 351,968
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans	June 30, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing One-to-four family residential $ 334,362 $ 2,385 $ 3,733 $ 6,118 $ 340,480 $ 3,909 $ - Multi-family residential 38,448 - - - 38,448 - - Commercial real estate 112,332 727 1,473 2,200 114,532 1,543 - Construction and land development 129,074 - 8,746 8,746 137,820 8,746 - Financial institutions 6,000 - - - 6,000 - - Commercial business 11,948 - - - 11,948 - - Leases 2,169 - - - 2,169 - - Consumer 923 58 - 58 981 - - Total loans $ 635,256 $ 3,170 $ 13,952 $ 17,122 $ 652,378 $ 14,198 $ - September 30, 2017 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 346,877 $ 1,746 $ 2,675 $ 4,421 $ 351,298 $ 5,107 $ - Multi-family residential 21,508 - - - 21,508 - - Commercial real estate 125,157 1,000 1,487 2,487 127,644 1,566 - Construction and land development 136,762 - 8,724 8,724 145,486 8,724 - Commercial business 488 - - - 488 - - Leases 4,240 - - - 4,240 - - Consumer 1,874 69 - 69 1,943 - - Total loans $ 636,906 $ 2,815 $ 12,886 $ 15,701 $ 652,607 $ 15,397 $ -
Schedule of primary segments of the allowance for loan losses, segmented into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment.	Three Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Charge-offs (114 ) - - - - - (11 ) - - (125 ) Recoveries - - - - - - - - - - Provision 100 178 (27 ) 135 - 40 5 (81 ) (25 ) 325 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Nine Months Ended June 30, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs (125 ) - - (12 ) - - - - - (137 ) Recoveries 27 - - - - - - - - 27 Provision 151 178 (145 ) 254 62 142 - (8 ) 51 685 ALLL balance at June 30, 2018 $ 1,294 $ 383 $ 1,056 $ 1,600 $ 62 $ 146 $ 23 $ 16 $ 461 $ 5,041 Three Months Ended June 30, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896 Charge-offs - - - - - - - - - Recoveries 132 - - - - - - - 132 Provision (241 ) 36 362 (24 ) 4 (1 ) (111 ) 5 30 ALLL balance at June 30, 2017 $ 1,241 $ 158 $ 1,224 $ 1,011 $ 4 $ 27 $ 24 $ 369 $ 4,058 Nine Months Ended June 30, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2016 $ 1,627 $ 137 $ 859 $ 316 $ 1 $ 21 $ 10 $ 298 $ 3,269 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 157 - - - - - - - 157 Provision (430 ) 21 365 2,514 3 6 30 71 2,580 ALLL balance at June 30, 2017 $ 1,241 $ 158 $ 1,224 $ 1,011 $ 4 $ 27 $ 24 $ 369 $ 4,058
Schedule of troubled debt restructurings	As of and for the Nine months Ended June 30, 2018 (Dollars in Thousands) Number of Pre- Modification Post-Modification One-to-four family residential 1 $ 77 $ 77 Total 1 $ 77 $ 77

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Jun. 30, 2018
Deposits [Abstract]
Schedule of major classifications of deposits	June 30, September 30, 2018 2017 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 64,349 9.0 % $ 76,272 12.0 % Interest-bearing checking accounts 46,469 6.5 54,267 8.5 Non interest-bearing checking accounts 14,315 2.0 9,375 1.5 Passbook, club and statement savings 97,730 13.7 101,743 16.0 Certificates maturing in six months or less 187,930 26.3 154,750 24.3 Certificates maturing in more than six months 304,260 42.5 239,575 37.7 Total $ 715,053 100.0 % $ 635,982 100.0 %

ADVANCES FROM FEDERAL HOME LO29

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	9 Months Ended
	Jun. 30, 2018
Debt Disclosure [Abstract]
Schedule of short-term borrowings from the FHLB	June 30, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Advances 6-Oct-17 1.30 % Not Applicable - $ 10,000 Fixed Rate - Advances 13-Oct-17 1.31 % Not Applicable - 10,000 Weighted average rate 1.31 % Fixed Rate - Advances 2-Jul-18 2.10 % Not Applicable $ 5,000 - Fixed Rate - Advances 11-Jul-18 2.15 % Not Applicable 10,000 - Fixed Rate - Advances 14-Sep-18 2.22 % Not Applicable 20,000 - Weighted average rate 2.18 % $ 35,000 $ 20,000

ADVANCES FROM FEDERAL HOME LO30

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	9 Months Ended
	Jun. 30, 2018
Advances from Federal Home Loan Banks [Abstract]
Schedule of collateral agreement with the FHLB	June 30, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Amortizing 1-Dec-17 1.16 % Not Applicable $ - $ 505 Fixed Rate - Amortizing 18-Nov-19 1.53 % Not Applicable 1,987 3,044 Fixed Rate - Amortizing 26-Oct-20 1.94 % Not Applicable 3,131 - Fixed Rate - Amortizing 16-Mar-21 2.64 % Not Applicable 2,298 - Fixed Rate - Amortizing 19-Apr-21 2.72 % Not Applicable 2,844 Fixed Rate - Amortizing 19-Apr-21 2.75 % Not Applicable 4,070 Fixed Rate - Amortizing 3-May-21 2.83 % Not Applicable 8,760 Fixed Rate - Amortizing 7-May-21 2.82 % Not Applicable 4,380 Fixed Rate - Amortizing 12-Oct-21 1.99 % Not Applicable 2,517 Fixed Rate - Amortizing 20-Jun-22 2.94 % Not Applicable 5,000 - Fixed Rate - Amortizing 15-Aug-23 1.94 % Not Applicable 1,736 1,974 2.57 % (a) 36,723 5,523 Fixed Rate - Advances 17-Nov-17 1.20 % Not Applicable - 10,000 Fixed Rate - Advances 4-Dec-17 1.15 % Not Applicable - 2,000 Fixed Rate - Advances 19-Mar-18 2.53 % Not Applicable - 5,029 Fixed Rate - Advances 19-Mar-18 2.13 % Not Applicable - 5,041 Fixed Rate - Advances 20-Jun-18 1.86 % Not Applicable - 3,011 Fixed Rate - Advances 25-Jun-18 2.09 % Not Applicable - 3,016 Fixed Rate - Advances 27-Aug-18 4.15 % Not Applicable 7,030 7,174 Fixed Rate - Advances 15-Nov-18 1.89 % Not Applicable 3,005 3,014 Fixed Rate - Advances 16-Nov-18 1.40 % Not Applicable 7,500 7,500 Fixed Rate - Advances 26-Nov-18 1.81 % Not Applicable 2,003 2,008 Fixed Rate - Advances 3-Dec-18 1.54 % Not Applicable 3,000 3,000 Fixed Rate - Advances 16-Aug-19 2.66 % Not Applicable 3,033 3,056 Fixed Rate - Advances 9-Oct-19 2.54 % Not Applicable 2,021 2,034 Fixed Rate - Advances 26-Nov-19 2.35 % Not Applicable 3,033 3,062 Fixed Rate - Advances 22-Jun-20 2.60 % Not Applicable 3,045 3,000 Fixed Rate - Advances 24-Jun-20 2.85 % Not Applicable 2,039 2,054 Fixed Rate - Advances 27-Jul-20 1.38 % Not Applicable 249 249 Fixed Rate - Advances 17-Aug-20 3.06 % Not Applicable 2,050 2,068 Fixed Rate - Advances 9-Oct-20 2.92 % Not Applicable 2,046 2,061 Fixed Rate - Advances 27-Jul-21 1.52 % Not Applicable 249 249 Fixed Rate - Advances 28-Jul-21 1.48 % Not Applicable 249 249 Fixed Rate - Advances 29-Jul-21 1.42 % Not Applicable 249 249 Fixed Rate - Advances 19-Aug-21 1.55 % Not Applicable 249 249 Fixed Rate - Advances 7-Oct-21 3.19 % Not Applicable 2,073 2,089 Fixed Rate - Advances 12-Oct-21 3.23 % Not Applicable 2,069 2,084 Fixed Rate - Advances 20-Oct-21 2.12 % Not Applicable 4,000 - Fixed Rate - Advances 6-Jun-22 2.05 % Not Applicable 10,000 10,000 Fixed Rate - Advances 6-Sep-22 1.94 % Not Applicable 249 249 Fixed Rate - Advances 22-Sep-22 2.11 % Not Applicable 5,000 5,000 Fixed Rate - Advances 12-Oct-22 2.22 % Not Applicable 3,000 - Fixed Rate - Advances 17-Oct-22 2.18 % Not Applicable 3,000 - Fixed Rate - Advances 26-Oct-22 2.29 % Not Applicable 3,000 - Fixed Rate - Advances 31-Oct-22 2.30 % Not Applicable 2,000 - Fixed Rate - Advances 13-Dec-22 2.44 % Not Applicable 4,000 - Fixed Rate - Advances 17-Jan-23 2.58 % Not Applicable 5,000 - Fixed Rate - Advances 27-Mar-23 2.93 % Not Applicable 3,000 - Fixed Rate - Advances 9-May-24 3.20 % Not Applicable 5,000 - 2.46 % (a) 92,441 88,795 (a) Weighted average coupon rate Total $ 129,164 $ 94,318

DERIVATIVES (Tables)

DERIVATIVES (Tables)	9 Months Ended
	Jun. 30, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of interest rate swap agreements and the terms	Below is a summary of the interest rate swap agreements and the terms as of June 30, 2018. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (loss) (Dollar in thousands) Interest rate swap contract $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - $ (202 ) Below is a summary of the interest rate swap agreements and the terms as of September 30, 2017. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollar in thousands) Interest rate swap contract $ 10,000 1.15 % 1 Mth Libor 6-Apr-21 $ 217 Interest rate swap contract 10,000 1.18 % 1 Mth Libor 13-Jun-21 223 Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 62 $ 502

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes	June 30, September 30, 2018 2017 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,390 $ 1,675 Nonaccrual interest 310 349 Accrued vacation 7 12 Capital loss carryforward 300 476 Split dollar life insurance 10 15 Post-retirement benefits 58 98 Unrealized losses on available for sale securities 1,712 569 Unrealized losses on interest rate swaps 43 - Deferred compensation 847 1,439 Goodwill 83 148 Purchse accounting adjustments 198 731 Other 48 254 Employee benefit plans 99 90 Total deferred tax assets 5,105 5,856 Valuation allowance (239 ) (378 ) Total deferred tax assets, net of valuation allowance 4,866 5,478 Deferred tax liabilities: Property 132 332 Unrealized gains on interest rate swaps - 171 Deferred loan fees 419 884 Total deferred tax liabilities 551 1,387 Net deferred tax assets $ 4,315 $ 4,091
Schedule of income tax expense computed at the statutory federal corporate tax rate	For The Nine Months Ended June 30, 2018 2017 Percentage Percentage of Pretax of Pretax Amount Income Amount Income (Dollars in Thousands) Tax expense at statutory rate $ 1,985 24.25 % $ 319 (34.00 )% Adjustments resulting from: Write-down of deferred tax asset 1,756 21.45 - - Non deductible merger expenses - - 31 3.31 Tax exempt income (108 ) (1.32 ) (53 ) (5.65 ) Income from bank owned life insurance (116 ) (1.42 ) (172 ) (18.34 ) Employee benefit plans 54 0.66 103 11.01 Other (12 ) (0.15 ) 2 0.22 Income tax expense $ 3,559 43.47 % $ 230 24.55 %

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	9 Months Ended
	Jun. 30, 2018
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity	Nine Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.07 Nonvested stock awards at June 30, 2018 129,083 $ 14.17 Nine Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2016 172,788 $ 12.03 Granted 17,128 17.43 Forfeited - - Vested (43,755 ) 11.59 Nonvested stock awards at June 30, 2017 146,161 $ 12.78
Schedule of summary of the status of the company' stock options under the stock option plan	Nine Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (110,926 ) 11.73 Forfeited (12,234 ) 11.90 Outstanding at June 30, 2018 976,904 $ 13.15 Exercisable at June 30, 2018 521,630 $ 11.49 Nine Months Ended Number of Weighted Average Outstanding at October 1, 2016 921,909 $ 11.70 Granted 47,828 17.48 Exercised (40,757 ) 11.48 Forfeited - - Outstanding at June 30, 2017 928,980 $ 11.85 Exercisable at June 30, 2017 552,435 $ 11.43

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Jun. 30, 2018
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets as of June 30, 2018 which are to be measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,504 $ - $ 24,504 Mortgage-backed securities - U.S. Government agencies - 159,324 - 159,324 State and political subdivisions - 22,059 - 22,059 Corporate bonds - 64,346 - 64,346 FHLMC preferred stock 42 - - 42 Total $ 42 $ 270,233 $ - $ 270,275 Liabilities: Interest rate swap contracts: $ - $ 186 $ - $ 186 Total $ - $ 186 $ - $ 186 Those assets as of September 30, 2017 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 25,799 $ - $ 25,799 Mortgage-backed securities - U.S. Government agencies - 118,127 - 118,127 Corporate bonds - 34,400 - 34,400 FHLMC preferred stock 76 - - 76 Interest rate swap contracts - 502 - 502 Total $ 76 $ 178,828 $ - $ 178,904
Schedule of summary of non-recurring fair value measurements	At June 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,880 $ 16,880 Real estate owned - - 85 85 Total $ - $ - $ 16,965 $ 16,965 At September 30, 2017 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 19,665 $ 19,665 Real estate owned - - 192 192 Total $ - $ - $ 19,857 $ 19,857
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy	At June 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,880 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 10% discount/10% Real estate owned $ 85 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2017 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 19,665 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 57% discount/7% Real estate owned $ 192 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. (3) Includes qualitative adjustments by management and estimated liquidation expenses.
Schedule of the estimated fair value amounts	Fair Value Measurements at June 30, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 36,055 $ 36,055 $ 36,055 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 270,275 270,275 42 270,233 - Investment and mortgage-backed securities held to maturity 58,127 54,884 - 54,884 - Loans receivable, net 602,455 600,280 - - 600,280 Accrued interest receivable 3,670 3,670 3,670 - - Other real estate owned 85 85 85 - - Federal Home Loan Bank stock 7,909 7,909 7,909 - - Bank owned life insurance 28,533 28,533 28,533 - - Interest rate swap contracts - - - - - Liabilities: Checking accounts 60,784 60,784 60,784 - - Money market deposit accounts 64,349 64,349 64,349 - - Passbook, club and statement savings accounts 97,730 97,730 97,730 - - Certificates of deposit 492,190 496,678 - - 496,678 Accrued interest payable 2,179 2,179 2,179 - - Advances from FHLB -short-term 35,000 35,000 35,000 - - Advances from FHLB -long-term 129,164 126,054 - - 126,054 Advances from borrowers for taxes and insurance 3,808 3,808 3,808 - - Interest rate swap contracts 202 202 - 202 - Fair Value Measurements at September 30, 2017 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 27,903 $ 27,903 $ 27,903 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 178,402 178,402 76 178,326 - Investment and mortgage-backed securities held to maturity 61,284 60,179 - 60,179 - Loans receivable, net 571,343 575,876 - - 575,876 Accrued interest receivable 2,825 2,825 2,825 - - Federal Home Loan Bank stock 6,002 6,002 6,002 - - Interest rate swap contracts 502 502 - 502 - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 59,956 59,956 59,956 - - Money market deposit accounts 48,797 48,797 48,797 - - Passbook, club and statement savings accounts 101,743 101,743 101,743 - - Certificates of deposit 394,325 398,078 - - 398,078 Advances from FHLB -short-term 20,000 20,000 20,000 - - Advances from FHLB -long-term 94,318 93,579 - - 93,579 Accrued interest payable 1,933 1,933 1,933 - - Advances from borrowers for taxes and insurance 2,207 2,207 2,207 - -

GOODWILL AND OTHER INTANGIBLE35

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	9 Months Ended
	Jun. 30, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and intangible assets are related to the acquisition of Polonia	Balance Balance October 1, Additions/ June 30, Amortization 2017 Adjustments Amortization 2018 Period (Dollars in Thousands) Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 710 - (105 ) 605 10 years $ 6,812 $ - $ (105 ) $ 6,707
Schedule of future fiscal periods amortization expense for core deposit intangible	(Dollars In Thousands) 2018 $ 33 2019 123 2020 108 2021 93 2022 78 Thereafter 170 Total $ 605

SIGNIFICANT ACCOUNTING POLICI36

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals)	9 Months Ended
	Jun. 30, 2018USD ($)Branch
Significant Accounting Policies [Line Items]
Number of full service branch offices	9
Number of banking offices	10
ASU 2016-02, Leases (Topic 842)
Significant Accounting Policies [Line Items]
Description of increase in assets and liabilities due to change in new accounting principle	less than a one percent
ASU 2018-02
Significant Accounting Policies [Line Items]
Reclassification of between accumulated other comprehensive income and retained earnings due to new tax add | $	$ 303,000
Philadelphia (Philadelphia County)
Significant Accounting Policies [Line Items]
Number of full service branch offices	8
Drexel Hill, Delaware County, Pennsylvania
Significant Accounting Policies [Line Items]
Number of full service branch offices	1
Huntingdon Valley, Montgomery County
Significant Accounting Policies [Line Items]
Number of full service branch offices	1

EARNINGS PER SHARE - Calculated

EARNINGS PER SHARE - Calculated basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Earnings per share - basic
Net income	$ 2,436	$ 2,117	$ 4,627	$ 707
Weighted average shares outstanding - basic	8,848,393	8,652,699	8,851,784	8,202,950
Effect of common stock equivalents - basic	0	0	0	0
Adjusted weighted average shares used in earnings per share computation - basic	8,848,393	8,652,699	8,851,784	8,202,950
Earnings per share - basic (in dollars per share)	$ 0.28	$ 0.25	$ 0.52	$ 0.08
Earnings per share - diluted
Net income (loss)	$ 2,436	$ 2,117	$ 4,627	$ 707
Weighted average shares outstanding - diluted	8,848,393	8,652,699	8,851,784	8,202,950
Effect of common stock equivalents - diluted	378,912	656,370	342,432	570,792
Adjusted weighted average shares used in earnings per share computation - diluted	9,227,305	9,309,069	9,194,216	8,773,742
Earnings per share - diluted (in dollars per share)	$ 0.26	$ 0.25	$ 0.50	$ 0.08

ACCUMULATED OTHER COMPREHENSI38

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Changes in accumulated other comprehensive income (loss) by component net of tax (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1				$ (760)
Total		$ (2,145)	$ 633	(5,537)	$ (1,485)
Ending Balance, June 30		(6,600)		(6,600)
Total accumulated other comprehensive income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1		(4,455)	(1,320)	(760)	798
Other comprehensive (loss) income before reclassification		(1,752)	679	(5,144)	(1,439)
Amount reclassified from accumulated other comprehensive income		(393)	(46)	(393)	(46)
Total		(6,600)	(687)	(6,297)	(687)
Reclassification due to change in federal income tax rate		0	0	(303)	0
Ending Balance, June 30		(6,600)	(687)	(6,600)	(687)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1	[1]	(4,965)	(1,710)	(1,091)	931
Other comprehensive (loss) income before reclassification	[1]	(1,721)	739	(5,292)	(1,902)
Amount reclassified from accumulated other comprehensive income	[1]	245	(46)	245	(46)
Total	[1]	(6,441)	(1,017)	(6,138)	(1,017)
Reclassification due to change in federal income tax rate	[1]	0	0	(303)	0
Ending Balance, June 30	[1]	(6,441)	(1,017)	(6,441)	(1,017)
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1	[1]	510	390	331	(133)
Other comprehensive (loss) income before reclassification	[1]	(31)	(60)	148	463
Amount reclassified from accumulated other comprehensive income	[1]	(638)	0	(638)	0
Total	[1]	(159)	330	(159)	330
Reclassification due to change in federal income tax rate	[1]	0	0	0	0
Ending Balance, June 30	[1]	$ (159)	$ 330	$ (159)	$ 330
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

ACCUMULATED OTHER COMPREHENSI39

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details 1) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Jun. 30, 2018		Jun. 30, 2017		Jun. 30, 2018		Jun. 30, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Unrealized (losses) gain on Securities before tax		$ (310)		$ 70		$ (310)		$ 70
Unrealized (losses) gain adjustment tax effect		(65)		24		(65)		24
Reclassification adjustment for gains on swap before tax		808				808
Reclassification adjustment for gains adjustment tax effect		170				170
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Unrealized (losses) gain on Securities before tax	[1]	(310)		70		(310)		70
Unrealized (losses) gain adjustment tax effect	[2]	65		(24)		65		(24)
Unrealized (losses) gain on securities after tax		(245)		46		(245)		46
Reclassification adjustment for gains on swap before tax		808	[3]	0		808	[3]	0
Reclassification adjustment for gains adjustment tax effect		(170)	[2]	0		(170)	[2]	0
Unrealized (losses) gain on swap after tax		638		0		638		0
Unrealized (losses) gain before tax		498		70	[1]	498		70	[1]
Unrealized (losses) gain adjustment tax effect		(105)		(24)	[2]	(105)		(24)	[2]
Unrealized (losses) gain after tax		$ 393		$ 46		$ 393		$ 46
[1]	Recorded as a loss on the sale of investment securities
[2]	Recorded as income tax benefit (expense)
[3]	Recorded as Swap income

INVESTMENT AND MORTGAGE-BACKE40

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Securities Available for Sale:
Amortized Cost	$ 278,428	$ 180,087
Gross Unrealized Gains	153	410
Gross Unrealized Losses	(8,306)	(2,095)
Fair Value	270,275	178,402
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	25,592	26,125
Gross Unrealized Gains	0	9
Gross Unrealized Losses	(1,088)	(335)
Fair Value	24,504	25,799
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Amortized Cost	164,064	119,456
Gross Unrealized Gains	90	146
Gross Unrealized Losses	(4,830)	(1,475)
Fair Value	159,324	118,127
State and political subdivisions
Securities Available for Sale:
Amortized Cost	22,091
Gross Unrealized Gains	0
Gross Unrealized Losses	(32)
Fair Value	22,059
Corporate debt securities
Securities Available for Sale:
Amortized Cost	66,675	34,500
Gross Unrealized Gains	27	185
Gross Unrealized Losses	(2,356)	(285)
Fair Value	64,346	34,400
Total debt securities available for sale
Securities Available for Sale:
Amortized Cost	278,422	180,081
Gross Unrealized Gains	117	340
Gross Unrealized Losses	(8,306)	(2,095)
Fair Value	270,233	178,326
FHLMC preferred stock
Securities Available for Sale:
Amortized Cost	6	6
Gross Unrealized Gains	36	70
Gross Unrealized Losses	0	0
Fair Value	$ 42	$ 76

INVESTMENT AND MORTGAGE-BACKE41

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details 1) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 58,127	$ 61,284
Gross Unrealized Gains	290	698
Gross unrealized losses	(3,533)	(1,803)
Fair value	54,884	60,179
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	33,500	33,500
Gross Unrealized Gains	114	229
Gross unrealized losses	(2,863)	(1,688)
Fair value	30,751	32,041
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	6,052	7,003
Gross Unrealized Gains	171	304
Gross unrealized losses	(132)	(11)
Fair value	6,091	7,296
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	18,575	20,781
Gross Unrealized Gains	5	165
Gross unrealized losses	(538)	(104)
Fair value	$ 18,042	$ 20,842

INVESTMENT AND MORTGAGE-BACKE42

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 2) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (6,514)	$ (1,755)
Less than 12 months - Fair value	192,534	120,342
More than 12 months - Gross Unrealized Losses	(1,792)	(340)
More than 12 months - Fair value	37,699	11,684
Gross Unrealized Losses - Total	(8,306)	(2,095)
Fair Value - Total	230,233	132,026
U.S. government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(1,088)	(335)
Less than 12 months - Fair value	24,504	20,655
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(1,088)	(335)
Fair Value - Total	24,504	20,655
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(3,038)	(1,135)
Less than 12 months - Fair value	104,320	77,176
More than 12 months - Gross Unrealized Losses	(1,792)	(340)
More than 12 months - Fair value	37,699	11,684
Gross Unrealized Losses - Total	(4,830)	(1,475)
Fair Value - Total	142,019	88,860
State and political subdivisions
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(32)
Less than 12 months - Fair value	3,142
More than 12 months - Gross Unrealized Losses	0
More than 12 months - Fair value	0
Gross Unrealized Losses - Total	(32)
Fair Value - Total	3,142
Corporate debt securities
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(2,356)	(285)
Less than 12 months - Fair value	60,568	22,511
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(2,356)	(285)
Fair Value - Total	$ 60,568	$ 22,511

INVESTMENT AND MORTGAGE-BACKE43

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 3) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	$ (3,492)	$ (1,803)
Less than 12 Months, Fair Value	46,416	37,843
More than 12 months - Gross Unrealized Losses	(41)	0
12 Months or More, Fair Value	985	0
Total - Gross Unrealized Losses	(3,533)	(1,803)
Total - Fair Value	47,401	37,843
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(2,863)	(1,688)
Less than 12 Months, Fair Value	27,636	28,813
More than 12 months - Gross Unrealized Losses	0	0
12 Months or More, Fair Value	0	0
Total - Gross Unrealized Losses	(2,863)	(1,688)
Total - Fair Value	27,636	28,813
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(91)	(11)
Less than 12 Months, Fair Value	2,777	1,176
More than 12 months - Gross Unrealized Losses	(41)	0
12 Months or More, Fair Value	985	0
Total - Gross Unrealized Losses	(132)	(11)
Total - Fair Value	3,762	1,176
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(538)	(104)
Less than 12 Months, Fair Value	16,003	7,854
More than 12 months - Gross Unrealized Losses	0	0
12 Months or More, Fair Value	0	0
Total - Gross Unrealized Losses	(538)	(104)
Total - Fair Value	$ 16,003	$ 7,854

INVESTMENT AND MORTGAGE-BACKE44

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 4) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Investments, Debt and Equity Securities [Abstract]
Less than 12 months - Gross Unrealized Losses	$ (10,006)	$ (3,558)
Fair Value, Less than 12 Months	238,950	158,185
More than 12 months - Gross Unrealized Losses	(1,833)	(340)
Fair Value, 12 Months or More	38,684	11,684
Gross Unrealized Losses -Total	(11,839)	(3,898)
Fair Value - Total	$ 277,634	$ 169,869

INVESTMENT AND MORTGAGE-BACKE45

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 6) $ in Thousands	Jun. 30, 2018USD ($)
Held to Maturity - Amortized Cost
Due after one through five years	$ 2,000
Due after five through ten years	25,504
Due after ten years	24,571
Total	52,075
Held to Maturity - Fair Value
Due after one through five years	2,022
Due after five through ten years	24,542
Due after ten years	22,229
Total	$ 48,793

INVESTMENT AND MORTGAGE-BACKE46

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 5) $ in Thousands	Jun. 30, 2018USD ($)
Available for Sale, Amortized Cost
Due after one through five years	$ 5,073
Due after five through ten years	61,602
Due after ten years	47,683
Total	114,358
Available for Sale, Fair Value
Due after one through five years	4,969
Due after five through ten years	59,376
Due after ten years	46,564
Total	$ 110,909

INVESTMENT AND MORTGAGE-BACKE47

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals)	Jun. 30, 2018Security
U.S. Government and agency obligations
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	14
Mortgage-Backed Securities
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	41
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	32
Corporate debt securities
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	34
State and political subdivisions
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	10

INVESTMENT AND MORTGAGE-BACKE48

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals 1)	3 Months Ended	9 Months Ended
	Jun. 30, 2018USD ($)Security	Jun. 30, 2018USD ($)Security
Mortgage-backed securities - U.S. government agencies
Marketable Securities [Line Items]
Number of investment securities | Security	1	1
Aggregate amortized cost	$ 5,100,000	$ 5,100,000
Aggregate loss on securities	$ 268,000	$ 268,000
Corporate bond
Marketable Securities [Line Items]
Number of investment securities | Security	1	1
Aggregate amortized cost	$ 2,000,000	$ 2,000,000
Aggregate loss on securities	$ 42,000	$ 42,000
Municipal Bonds
Marketable Securities [Line Items]
Number of investment securities | Security	3	3
Aggregate amortized cost	$ 4,600,000	$ 4,600,000
Aggregate loss on securities	$ 66,000	$ 66,000

LOANS RECEIVABLE - Summary of L

LOANS RECEIVABLE - Summary of Loans receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Sep. 30, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 652,378		$ 652,607
Undisbursed portion of loans-in-process	(42,082)		(73,858)
Deferred loan fees, net	(2,800)		(2,940)
Allowance for loan losses	(5,041)	$ (4,841)	(4,466)	$ (4,058)	$ (3,896)	$ (3,269)
Net loans	602,455		571,343
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	340,480		351,298
Allowance for loan losses	(1,294)	(1,308)	(1,241)	(1,241)	(1,350)	(1,627)
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	38,448		21,508
Allowance for loan losses	(383)	(205)	(205)	(158)	(122)	(137)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	112,332		127,644
Allowance for loan losses	(1,056)	(1,083)	(1,201)	(1,224)	(862)	(859)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	137,820		145,486
Allowance for loan losses	(1,600)	(1,465)	(1,358)	(1,011)	(1,035)	(316)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000		0
Allowance for loan losses	(63)	(62)	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	14,148		488
Allowance for loan losses	(146)	(106)	(4)	(4)	0	(1)
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,169		4,240
Allowance for loan losses	(23)	(29)	(23)	(27)	(28)	(21)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	981		1,943
Allowance for loan losses	$ (15)	$ (97)	$ (24)	$ (24)	$ (135)	$ (10)

LOANS RECEIVABLE - Summary of50

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) - USD ($) $ in Thousands	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Sep. 30, 2016
Allowance for Loan Losses:
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	5,041		4,466
Total ending allowance balance	5,041	$ 4,841	4,466	$ 4,058	$ 3,896	$ 3,269
Loans:
Individually evaluated for impairment	16,880		19,665
Collectively evaluated for impairment	635,498		632,942
Total loans	652,378		652,607
One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,294		1,241
Total ending allowance balance	1,294	1,308	1,241	1,241	1,350	1,627
Loans:
Individually evaluated for impairment	6,058		8,277
Collectively evaluated for impairment	334,422		343,021
Total loans	340,480		351,298
Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	383		205
Total ending allowance balance	383	205	205	158	122	137
Loans:
Individually evaluated for impairment	303		317
Collectively evaluated for impairment	38,145		21,191
Total loans	38,448		21,508
Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,056		1,201
Total ending allowance balance	1,056	1,083	1,201	1,224	862	859
Loans:
Individually evaluated for impairment	1,773		2,337
Collectively evaluated for impairment	110,559		125,307
Total loans	112,332		127,644
Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,600		1,358
Total ending allowance balance	1,600	1,465	1,358	1,011	1,035	316
Loans:
Individually evaluated for impairment	8,746		8,724
Collectively evaluated for impairment	129,074		136,762
Total loans	137,820		145,486
Loans to financial institutions
Allowance for Loan Losses:
Individually evaluated for impairment	0
Collectively evaluated for impairment	63
Total ending allowance balance	63	62	0
Loans:
Individually evaluated for impairment	0
Collectively evaluated for impairment	6,000
Total loans	6,000		0
Commercial business
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	146		4
Total ending allowance balance	146	106	4	4	0	1
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	14,148		488
Total loans	14,148		488
Leases
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	23		23
Total ending allowance balance	23	29	23	27	28	21
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,169		4,240
Total loans	2,169		4,240
Consumer
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	15		24
Total ending allowance balance	15	97	24	24	135	10
Loans:
Individually evaluated for impairment	0		10
Collectively evaluated for impairment	981		1,933
Total loans	981		1,943
Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	461		410
Total ending allowance balance	$ 461	$ 486	$ 410	$ 369	$ 364	$ 298

LOANS RECEIVABLE - Impaired loa

LOANS RECEIVABLE - Impaired loans by class, segregated by those for which specific allowance was required and those for which specific allowance was not required (Details 2) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	$ 0	$ 0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	16,880	19,665
Total Impaired Loans - Recorded Investment	16,880	19,665
Total impaired loans - Unpaid Principal Balance	19,696	23,126
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	6,058	8,277
Total Impaired Loans - Recorded Investment	6,058	8,277
Total impaired loans - Unpaid Principal Balance	6,406	9,245
Multi-family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	303	317
Total Impaired Loans - Recorded Investment	303	317
Total impaired loans - Unpaid Principal Balance	303	317
Commercial real estate
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	1,773	2,337
Total Impaired Loans - Recorded Investment	1,773	2,337
Total impaired loans - Unpaid Principal Balance	1,860	2,449
Construction and land development
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	8,746	8,724
Total Impaired Loans - Recorded Investment	8,746	8,724
Total impaired loans - Unpaid Principal Balance	$ 11,127	11,105
Consumer Loans
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment		0
Impaired Loans with Specific Allowance - Related Allowance		0
Impaired Loans with No Specific Allowance - Recorded Investment		10
Total Impaired Loans - Recorded Investment		10
Total impaired loans - Unpaid Principal Balance		$ 10

LOANS RECEIVABLE - Average reco

LOANS RECEIVABLE - Average recorded investment in impaired loans and related interest income recognized (Details 3) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 17,833	$ 18,699	$ 18,688	$ 18,946
Income Recognized on Accrual Basis	0	24	146	117
Income Recognized on Cash Basis	19	34	23	103
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	6,159	5,965	6,636	5,280
Income Recognized on Accrual Basis	0	12	77	59
Income Recognized on Cash Basis	17	34	21	91
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	305	326	307	329
Income Recognized on Accrual Basis	0	6	11	17
Income Recognized on Cash Basis	0	0	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	2,624	2,801	3,004	2,938
Income Recognized on Accrual Basis	0	6	58	41
Income Recognized on Cash Basis	2	0	2	12
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,745	9,607	8,741	10,399
Income Recognized on Accrual Basis	0	0	0	0
Income Recognized on Cash Basis	$ 0	$ 0	$ 0	$ 0

LOANS RECEIVABLE - Summary of c

LOANS RECEIVABLE - Summary of classes of loan portfolio in which formal risk weighting system is used (Details 4) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 652,378	$ 652,607
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	340,480	351,298
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,448	21,508
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	112,332	127,644
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	137,820	145,486
Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	0
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	14,148	488
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	981	1,943
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	318,414	300,639
Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	9,666	5,513
Risk Rating System | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,448	21,508
Risk Rating System | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	112,332	127,644
Risk Rating System | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	137,820	145,486
Risk Rating System | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Risk Rating System | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	14,148	488
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	295,989	283,749
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,145	21,191
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	108,622	125,307
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	129,074	136,763
Risk Rating System | Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	14,148	488
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	5,545	3,084
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,608	1,635
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,937	1,449
Risk Rating System | Special Mention | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0
Risk Rating System | Special Mention | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total Loans	16,880	13,806
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,058	3,878
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	303	317
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,773	888
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,746	8,723
Risk Rating System | Substandard | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0
Risk Rating System | Substandard | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loans in whi

LOANS RECEIVABLE - Loans in which formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status (Details 5) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 652,378	$ 652,607
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	340,480	351,298
Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,169	4,240
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	981	1,943
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	343,630	351,968
Non Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	340,480	345,785
Non Risk Rating System | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,169	4,240
Non Risk Rating System | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	981	1,943
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	339,721	349,204
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	336,571	343,021
Non Risk Rating System | Performing | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,169	4,240
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	981	1,943
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,909	2,764
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,909	2,764
Non Risk Rating System | Nonperforming | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Non Risk Rating System | Nonperforming | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loan categor

LOANS RECEIVABLE - Loan categories of loan portfolio summarized by aging categories of performing loans and nonaccrual loans (Details 6) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 635,256	$ 636,906
Past Due	17,122	15,701
Total Loans	652,378	652,607
Non- Accrual	14,198	15,397
90 Days+ Past Due and Accruing	0	0
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	3,170	2,815
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	13,952	12,886
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	334,362	346,877
Past Due	6,118	4,421
Total Loans	340,480	351,298
Non- Accrual	3,909	5,107
90 Days+ Past Due and Accruing	0	0
One-to-four family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,385	1,746
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	3,733	2,675
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	38,448	21,508
Past Due	0	0
Total Loans	38,448	21,508
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Multi-family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Multi-family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	112,332	125,157
Past Due	2,200	2,487
Total Loans	112,332	127,644
Non- Accrual	1,543	1,566
90 Days+ Past Due and Accruing	0	0
Commercial real estate | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	727	1,000
Commercial real estate | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,473	1,487
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	129,074	136,762
Past Due	8,746	8,724
Total Loans	137,820	145,486
Non- Accrual	8,746	8,724
90 Days+ Past Due and Accruing	0	0
Construction and land development | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and land development | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	8,746	8,724
Loans to financial institutions
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,000
Past Due	0
Total Loans	6,000	0
Non- Accrual	0
90 Days+ Past Due and Accruing	0
Loans to financial institutions | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0
Loans to financial institutions | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	11,948	488
Past Due	0	0
Total Loans	14,148	488
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Commercial business | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial business | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	2,169	4,240
Past Due	0	0
Total Loans	2,169	4,240
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Leases | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	923	1,874
Past Due	58	69
Total Loans	981	1,943
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Consumer | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	58	69
Consumer | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 0	$ 0

LOANS RECEIVABLE - Activity in

LOANS RECEIVABLE - Activity in allowance (Details 7) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 4,841	$ 3,896	$ 4,466	$ 3,269
Charge-offs	(125)	0	(137)	(1,948)
Recoveries	0	132	27	157
Provision	325	30	685	2,580
ALLL balance	5,041	4,058	5,041	4,058
One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,308	1,350	1,241	1,627
Charge-offs	(114)	0	(125)	(113)
Recoveries	0	132	27	157
Provision	100	(241)	151	(430)
ALLL balance	1,294	1,241	1,294	1,241
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	205	122	205	137
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	178	36	178	21
ALLL balance	383	158	383	158
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,083	862	1,201	859
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(27)	362	(145)	365
ALLL balance	1,056	1,224	1,056	1,224
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,465	1,035	1,358	316
Charge-offs	0	0	(12)	(1,819)
Recoveries	0	0	0	0
Provision	135	(24)	254	2,514
ALLL balance	1,600	1,011	1,600	1,011
Financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	62		0
Charge-offs	0		0
Recoveries	0		0
Provision	0		62
ALLL balance	63		63
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	106	0	4	1
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	40	4	142	3
ALLL balance	146	4	146	4
Leases
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	29	28	23	21
Charge-offs	(11)	0	0	0
Recoveries	0	0	0	0
Provision	5	(1)	0	6
ALLL balance	23	27	23	27
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	97	135	24	10
Charge-offs	0	0	0	(16)
Recoveries	0	0	0	0
Provision	(81)	(111)	(8)	30
ALLL balance	15	24	15	24
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	486	364	410	298
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(25)	5	51	71
ALLL balance	$ 461	$ 369	$ 461	$ 369

LOANS RECEIVABLE - Troubled deb

LOANS RECEIVABLE - Troubled debt restructurings (Details 8) $ in Thousands	9 Months Ended
	Jun. 30, 2017USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	1
Pre-Modification Outstanding Recorded Investment	$ 77
Post-Modification Outstanding Recorded Investment	$ 77
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	1
Pre-Modification Outstanding Recorded Investment	$ 77
Post-Modification Outstanding Recorded Investment	$ 77

LOANS RECEIVABLE (Detail Textua

LOANS RECEIVABLE (Detail Textuals)	3 Months Ended		9 Months Ended
	Jun. 30, 2018USD ($)	Jun. 30, 2017USD ($)	Jun. 30, 2018USD ($)Loan	Jun. 30, 2017USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses	$ 325,000	$ 30,000	$ 685,000	$ 2,580,000
Allowance for Loan and Lease Losses, Write-offs	125,000	0	137,000	1,948,000
Allowance for Loan and Lease Loss, Recovery of Bad Debts	0	$ 132,000	$ 27,000	$ 157,000
Number of loans default | Loan			10
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	6,200,000		$ 6,200,000
Amount of TDR loans, default			10,700,000
Write-down amount of TDR loans			$ 156,000
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan			3
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	4,900,000		$ 4,900,000
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan			6
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 1,100,000		$ 1,100,000

DEPOSITS - Major classification

DEPOSITS - Major classifications of deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Amount
Money market deposit accounts	$ 64,349	$ 76,272
Interest-bearing checking accounts	46,469	54,267
Non interest-bearing checking accounts	14,315	9,375
Passbook, club and statement savings	97,730	101,743
Certificates maturing in six months or less	187,930	154,750
Certificates maturing in more than six months	304,260	239,575
Total deposits	$ 715,053	$ 635,982
Percent
Money market deposit accounts	9.00%	12.00%
Interest-bearing checking accounts	6.50%	8.50%
Non interest-bearing checking accounts	2.00%	1.50%
Passbook, club and statement savings	13.70%	16.00%
Certificates maturing in six months or less	26.30%	24.30%
Certificates maturing in more than six months	42.50%	37.70%
Total	100.00%	100.00%

DEPOSITS (Detail Textuals)

DEPOSITS (Detail Textuals) - USD ($) $ in Millions	Jun. 30, 2018	Sep. 30, 2017
Deposits [Abstract]
Certificates of $250,000 and over	$ 40.3	$ 28.9

ADVANCES FROM FEDERAL HOME LO61

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2018	Sep. 30, 2017
Federal Home Loan Bank, Advances [Line Items]
Balance at period-end	$ 35,000	$ 20,000
Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.18%	1.31%
Fixed Rate - Advances Maturity Date 6 Oct 17 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 6, 2017
Coupon		1.30%
Call Date		Not Applicable
Balance at period-end		$ 10,000
Fixed Rate - Advances Maturity Date 13 Oct 17 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 13, 2017
Coupon		1.31%
Call Date		Not Applicable
Balance at period-end		$ 10,000
Fixed Rate - Advances Maturity Date 2 Jul 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 2, 2018
Coupon	2.10%
Call Date	Not Applicable
Balance at period-end	$ 5,000
Fixed Rate - Advances Maturity Date 11 Jul 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jul. 11, 2018
Coupon	2.15%
Call Date	Not Applicable
Balance at period-end	$ 10,000
Fixed Rate - Advances Maturity Date 14 Sep 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Sep. 14, 2018
Coupon	2.22%
Call Date	Not Applicable
Balance at period-end	$ 20,000
Fixed Rate - Advances | Short-term
Federal Home Loan Bank, Advances [Line Items]
Balance at period-end	$ 35,000	$ 20,000

ADVANCES FROM FEDERAL HOME LO62

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Detail Textuals) $ in Thousands	9 Months Ended
	Jun. 30, 2018USD ($)Loan	Sep. 30, 2017USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Average balance outstanding	$ 35,000
Number of federal home loan bank advances | Loan	2
Short-term borrowings from the FHLB	$ 35,000	$ 20,000
Remaining advances were used short term liquidity needs	25,000
Interest rate swap contract one
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 10,000	$ 10,000
Weighted average effective cost	2.80%	1.25%
Interest rate swap contract two
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB		$ 10,000
Weighted average effective cost		1.17%

ADVANCES FROM FEDERAL HOME LO63

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
		Jun. 30, 2018	Sep. 30, 2017
Federal Home Loan Bank, Advances [Line Items]
Amount		$ 129,164	$ 94,318
Fixed Rate - Amortizing 1-Dec-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 1, 2017	Dec. 1, 2017
Coupon		1.16%	1.16%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 505
Fixed Rate - Amortizing 18-Nov-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 18, 2019	Nov. 18, 2019
Coupon		1.53%	1.53%
Call Date		Not Applicable	Not Applicable
Amount		$ 1,987	$ 3,044
Fixed Rate - Amortizing 26-Oct-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 26, 2020	Oct. 26, 2019
Coupon		1.94%	1.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,131	$ 0
Fixed Rate - Amortizing 16-Mar-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 16, 2021	Mar. 16, 2021
Coupon		2.64%	2.64%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,298	$ 0
Fixed Rate - Amortizing 19-Apr-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Apr. 19, 2021
Coupon		2.72%
Call Date		Not Applicable
Amount		$ 2,844
Fixed Rate - Amortizing 19-Apr-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Apr. 19, 2021
Coupon		2.75%
Call Date		Not Applicable
Amount		$ 4,070
Fixed Rate - Amortizing 3-May-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		May 3, 2021
Coupon		2.83%
Call Date		Not Applicable
Amount		$ 8,760
Fixed Rate - Amortizing 7-May-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		May 7, 2021
Coupon		2.82%
Call Date		Not Applicable
Amount		$ 4,380
Fixed Rate - Amortizing 12-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2021
Coupon		1.99%
Call Date		Not Applicable
Amount		$ 2,517
Fixed Rate - Amortizing 20-Jun-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 20, 2022	Jun. 20, 2022
Coupon		2.94%	2.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,000	$ 0
Fixed Rate - Amortizing 15-Aug-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 15, 2023	Aug. 15, 2023
Coupon		1.94%	1.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 1,736	$ 1,974
Fixed Rate - Amortizing | Weighted average | Long-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	[1]	2.57%	2.57%
Call Date		Weighted average coupon rate
Amount		$ 36,723	$ 5,523
Fixed Rate - Advance 17-Nov-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 17, 2017	Nov. 17, 2017
Coupon		1.20%	1.20%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 10,000
Fixed Rate - Advance 4-Dec-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 4, 2017	Dec. 4, 2017
Coupon		1.15%	1.15%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 2,000
Fixed Rate - Advance 19-Mar-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 19, 2018	Mar. 19, 2018
Coupon		2.53%	2.53%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,029	$ 0
Fixed Rate - Advance 19-Mar-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 19, 2018	Mar. 19, 2018
Coupon		2.13%	2.13%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 5,041
Fixed Rate - Advance 20-Jun-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 20, 2018	Jun. 20, 2018
Coupon		1.86%	1.86%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 3,011
Fixed Rate - Advance 25-Jun-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 25, 2018	Jun. 25, 2018
Coupon		2.09%	2.09%
Call Date		Not Applicable	Not Applicable
Amount		$ 0	$ 3,016
Fixed Rate - Advance 27-Aug-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 27, 2018	Aug. 27, 2018
Coupon		4.15%	4.15%
Call Date		Not Applicable	Not Applicable
Amount		$ 7,030	$ 7,174
Fixed Rate - Advance 15-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 15, 2018	Nov. 15, 2018
Coupon		1.89%	1.89%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,005	$ 3,014
Fixed Rate - Advance 16-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 16, 2018	Nov. 16, 2018
Coupon		1.40%	1.40%
Call Date		Not Applicable	Not Applicable
Amount		$ 7,500	$ 7,500
Fixed Rate - Advance 26-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 26, 2018	Nov. 26, 2018
Coupon		1.81%	1.81%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,003	$ 2,008
Fixed Rate - Advance 3-Dec-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 3, 2018	Dec. 3, 2018
Coupon		1.54%	1.54%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 3,000
Fixed Rate - Advance 16-Aug-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 16, 2019	Aug. 16, 2019
Coupon		2.66%	2.66%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,033	$ 3,056
Fixed Rate - Advance 9-Oct-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 9, 2019	Oct. 9, 2019
Coupon		2.54%	2.54%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,021	$ 2,034
Fixed Rate - Advance 26-Nov-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 26, 2019	Nov. 26, 2019
Coupon		2.35%	2.35%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,033	$ 3,062
Fixed Rate - Advance 22-Jun-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 22, 2020	Jun. 22, 2020
Coupon		2.60%	2.60%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,045	$ 3,000
Fixed Rate - Advance 24-Jun-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 24, 2020	Jun. 24, 2020
Coupon		2.85%	2.85%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,039	$ 2,054
Fixed Rate -Advance 27-Jul-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 27, 2020	Jul. 27, 2020
Coupon		1.38%	1.38%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance 17-Aug-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 17, 2020	Aug. 17, 2020
Coupon		3.06%	3.06%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,050	$ 2,068
Fixed Rate - Advance 9-Oct-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 9, 2020	Oct. 9, 2020
Coupon		2.92%	2.92%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,046	$ 2,061
Fixed Rate - Advance 27-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 27, 2021	Jul. 27, 2021
Coupon		1.52%	1.52%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance 28-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 28, 2021	Jul. 28, 2021
Coupon		1.48%	1.48%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance 29-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 29, 2021	Jul. 29, 2021
Coupon		1.42%	1.42%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate -Advance 19-Aug-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 19, 2021	Aug. 19, 2021
Coupon		1.55%	1.55%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance 7-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 7, 2021	Oct. 7, 2021
Coupon		3.19%	3.19%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,073	$ 2,089
Fixed Rate - Advance 12-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2021	Oct. 12, 2021
Coupon		3.23%	3.23%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,069	$ 2,084
Fixed Rate - Advance 20-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 20, 2021	Oct. 20, 2021
Coupon		2.12%	2.12%
Call Date		Not Applicable	Not Applicable
Amount		$ 4,000	$ 0
Fixed Rate - Advance 6 Jun 22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 6, 2022	Jun. 6, 2022
Coupon		2.05%	2.05%
Call Date		Not Applicable	Not Applicable
Amount		$ 10,000	$ 10,000
Fixed Rate - Advance 6-Sep-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Sep. 6, 2022	Sep. 6, 2022
Coupon		1.94%	1.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance 22-Sep-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Sep. 22, 2022	Sep. 22, 2022
Coupon		2.11%	2.11%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,000	$ 5,000
Fixed Rate - Advance 12-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2022	Oct. 12, 2022
Coupon		2.22%	2.22%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 3,000
Fixed Rate - Advance 17-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 17, 2022	Oct. 17, 2022
Coupon		2.18%	2.18%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 0
Fixed Rate - Advance 26-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 26, 2022	Oct. 26, 2022
Coupon		2.29%	2.29%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 0
Fixed Rate - Advance 31-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 31, 2022	Oct. 31, 2022
Coupon		2.30%	2.30%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,000	$ 0
Fixed Rate - Advance 13-Dec-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 13, 2022	Dec. 13, 2022
Coupon		2.44%	2.44%
Call Date		Not Applicable	Not Applicable
Amount		$ 4,000	$ 0
Fixed Rate - Advance 17-Jan-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jan. 17, 2023	Jan. 17, 2023
Coupon		2.58%	2.58%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,000	$ 0
Fixed Rate - Advance 27-Mar-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 27, 2023	Mar. 27, 2023
Coupon		2.93%	2.93%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 0
Fixed Rate - Advance 9-May-24 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		May 9, 2024	May 9, 2024
Coupon		3.20%	3.20%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,000	$ 0
Fixed Rate Advances | Weighted average | Long-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	[1]	2.46%	2.46%
Call Date		Weighted average coupon rate
Amount		$ 92,441	$ 88,795
[1]	Weighted average coupon rate

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2018	Sep. 30, 2017
Interest rate swap contract maturing on 10 April 2025
Derivative [Line Items]
Notional Amount	$ 10,000
Pay Rate	2.70%
Receive Rate	1 Mth Libor
Maturity Date	Apr. 10, 2025
Unrealized Gain (Loss)	$ 35
Interest rate swap contract maturing on 15 February 2027
Derivative [Line Items]
Notional Amount	$ 1,705
Pay Rate	3.06%
Receive Rate	3 Mth Libor
Maturity Date	Feb. 15, 2027
Unrealized Gain (Loss)	$ (19)
Interest rate swap contract maturing on 1 April 2027
Derivative [Line Items]
Notional Amount	$ 2,825
Pay Rate	3.06%
Receive Rate	3 Mth Libor
Maturity Date	Apr. 1, 2027
Unrealized Gain (Loss)	$ (31)
Interest rate swap contract maturing on 1 January 2028
Derivative [Line Items]
Notional Amount	$ 5,000
Pay Rate	3.07%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 1, 2028
Unrealized Gain (Loss)	$ (57)
Interest rate swap contract maturing on 1 March 2028
Derivative [Line Items]
Notional Amount	$ 1,235
Pay Rate	3.07%
Receive Rate	3 Mth Libor
Maturity Date	Mar. 1, 2028
Unrealized Gain (Loss)	$ (14)
Interest rate swap contract maturing on 1 May 2028
Derivative [Line Items]
Notional Amount	$ 4,500
Pay Rate	3.07%
Receive Rate	3 Mth Libor
Maturity Date	May 1, 2028
Unrealized Gain (Loss)	$ (52)
Interest rate swap contract maturing on 1 February 2027
Derivative [Line Items]
Notional Amount	$ 3,305
Pay Rate	3.05%
Receive Rate	3 Mth Libor
Maturity Date	Feb. 1, 2027
Unrealized Gain (Loss)	$ (32)
Interest rate swap contract maturing on 15 October 2027
Derivative [Line Items]
Notional Amount	$ 3,000
Pay Rate	3.06%
Receive Rate	3 Mth Libor
Maturity Date	Oct. 15, 2027
Unrealized Gain (Loss)	$ (32)
Interest rate swap contract maturing on 13 Jun 2025
Derivative [Line Items]
Notional Amount	$ 8,300
Pay Rate	5.74%
Receive Rate	1 Mth Libor +250 bp
Maturity Date	Jun. 13, 2025
Unrealized Gain (Loss)	$ 0
Interest rate swap contract maturing on 1 Aug 2026
Derivative [Line Items]
Notional Amount	$ 1,100	$ 1,100
Pay Rate	4.10%	4.10%
Receive Rate	1 Mth Libor +276 bp	1 Mth Libor +276 bp
Maturity Date	Aug. 1, 2026	Aug. 1, 2026
Unrealized Gain (Loss)	$ 0	$ 62
Interest rate swap contract maturing on 6 April 2021
Derivative [Line Items]
Notional Amount		$ 10,000
Pay Rate		1.15%
Receive Rate		1 Mth Libor
Maturity Date		Apr. 6, 2021
Unrealized Gain (Loss)		$ 217
Interest rate swap contract maturing on 13 Jun 2021
Derivative [Line Items]
Notional Amount		$ 10,000
Pay Rate		1.18%
Receive Rate		1 Mth Libor
Maturity Date		Jun. 13, 2021
Unrealized Gain (Loss)		$ 223

DERIVATIVES (Detail Textuals)

DERIVATIVES (Detail Textuals) - USD ($)	3 Months Ended	9 Months Ended
	Jun. 30, 2018	Jun. 30, 2018	Sep. 30, 2017
Financing Receivable, Allowance For Credit Losses [Line Items]
Interest rate swap agreements outstanding amount	$ 10,000,000	$ 10,000,000	$ 20,000,000
Income recognized as ineffectiveness through earnings		49,000
Interest rate swap designated as a fair value hedge	808,000	808,000
Income recognized through earnings	$ 1,000	$ 15,000
Commercial loans
Financing Receivable, Allowance For Credit Losses [Line Items]
Interest rate swap designated as a fair value hedge			$ 1,100,000

INCOME TAXES - Items that gave

INCOME TAXES - Items that gave rise to significant portions of deferred income taxes (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Deferred tax assets:
Allowance for loan losses	$ 1,390	$ 1,675
Nonaccrual interest	310	349
Accrued vacation	7	12
Capital loss carryforward	300	476
Split dollar life insurance	10	15
Post-retirement benefits	58	98
Unrealized losses on available for sale securities	1,712	569
Unrealized losses on interest rate swaps	43	0
Deferred compensation	847	1,439
Goodwill	83	148
Purchase accounting adjustments	198	731
Other	48	254
Employee benefit plans	99	90
Total deferred tax assets	5,105	5,856
Valuation allowance	(239)	(378)
Total deferred tax assets, net of valuation allowance	4,866	5,478
Deferred tax liabilities:
Property	132	332
Unrealized gains on interest rate swaps	0	171
Deferred loan fees	419	884
Total deferred tax liabilities	551	1,387
Net deferred tax assets	$ 4,315	$ 4,091

INCOME TAXES - The income tax e

INCOME TAXES - The income tax expense differs from that computed at the statutory federal corporate tax rate (Details 1) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Income Tax Disclosure [Abstract]
Tax expense (benefit) at statutory rate			$ 1,985	$ 319
Adjustments resulting from:
Write-down of deferred tax asset, amount			1,756	0
Non deductible merger expenses, amount			0	31
Tax exempt income, amount			(108)	(53)
Income from bank owned life insurance, amount			(116)	(172)
Employee benefit plans, amount			54	103
Other, amount			(12)	2
Income tax expense (benefit)	$ 676	$ 1,031	$ 3,559	$ 230
Tax at statutory rate, percentage of pretax income			24.25%	(34.00%)
Adjustments resulting from:
Write-down of deferred tax asset, percentage of pretax income			21.45%	(0.00%)
Non deductible merger expenses, percentage of pretax income			0.00%	3.31%
Tax exempt income, percentage of pretax income			(1.32%)	(5.65%)
Income from bank owned life insurance, percentage of pretax income			(1.42%)	(18.34%)
Employee benefit plans, percentage of pretax income			0.66%	11.01%
Other, percentage of pretax income			(0.15%)	0.22%
Income tax expense, percentage of pretax income			43.47%	24.55%

INCOME TAXES (Detail Textuals)

INCOME TAXES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017	Sep. 30, 2017
Income Taxes [Line Items]
Valuation allowance	$ 239		$ 239		$ 378
Income tax expense	$ 676	$ 1,031	3,559	$ 230
TCJA remeasurement of deferred tax assets			$ 1,800
Effective income tax rate			43.47%	24.55%
Tax at statutory rate			24.25%	(34.00%)
January 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%
October 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%

STOCK COMPENSATION PLANS - Summ

STOCK COMPENSATION PLANS - Summary of non-vested stock award activity (Details) - $ / shares	9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Number of Shares
Nonvested stock awards	142,594	172,788
Granted	26,500	17,128
Forfeited	4,636	0
Vested	(44,647)	(43,755)
Nonvested stock awards	129,083	146,161
Weighted Average Grant Date Fair Value
Nonvested stock awards	$ 12.79	$ 12.03
Granted	18.46	17.43
Forfeited	11.91	0
Vested	12.07	11.59
Nonvested stock awards	$ 14.17	$ 12.78

STOCK COMPENSATION PLANS - Su70

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details 1) - 2008 Option Plan and 2014 SIP - Stock Options - $ / shares	9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Number of Shares
Outstanding at October 1	922,564	921,909
Granted	177,500	47,828
Exercised	(110,926)	(40,757)
Forfeited	(12,234)	0
Outstanding at June 30	976,904	928,980
Exercisable at June 30	521,630	552,435
Weighted Average Exercise Price
Outstanding at October 1	$ 12.04	$ 11.7
Granted	18.46	17.48
Exercised	11.73	11.48
Forfeited	11.9	0
Outstanding at June 30	13.15	11.85
Exercisable at June 30	$ 11.49	$ 11.43

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Detail Textuals) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		9 Months Ended
	Mar. 31, 2018	Aug. 30, 2016	Jun. 30, 2018	Jun. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			26,500	17,128
2008 Recognition and Retention Plan ("2008 RRP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares purchased by RRP trust			213,528
Value of shares purchased in open market by RRP trust			$ 2.5
Average price per share of common stock purchased in the open market			$ 11.49
Percentage of vesting per year			20.00%
Vesting period of awards granted			5 years
Number of shares granted	8,209	7,473

STOCK COMPENSATION PLANS (Det72

STOCK COMPENSATION PLANS (Detail Textuals 1) - USD ($)	1 Months Ended					3 Months Ended		9 Months Ended
	Mar. 31, 2018	May 30, 2017	Mar. 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted								26,500	17,128
2008 Stock Option Plan (the "2008 Option Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	18,235	283
2008 Stock Option Plan (the "2008 Option Plan") | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of vesting and exercisable per year								20.00%
Vesting period of options								5 years
Exercisable period of options after grant date								10 years
Number of common stock available for issuance						533,808		533,808
Number of shares purchased for award				18,867
2014 Stock Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	18,291	24,717	17,128	3,027
2014 Stock Incentive Plan | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares for issuance pursuant to options						714,145		714,145
Number of shares granted			22,828	8,633
2014 Stock Incentive Plan | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of common stock available for issuance					285,655
Number of shares granted					233,500
2008 RRP and 2014 SIP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares purchased for award					605,000
2008 RRP and 2014 SIP | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense						$ 158,000	$ 149,000	$ 408,000	$ 430,000
Additional compensation expense for shares awarded remained unrecognized						1,500,000		1,500,000
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense						150,000	$ 139,000	389,000	$ 397,000
Additional compensation expense for options awarded remained unrecognized						$ 1,500,000		$ 1,500,000
Weighted average period for recognition of nonvested awards								2 years 7 months 6 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross								177,500	47,828

STOCK COMPENSATION PLANS (Det73

STOCK COMPENSATION PLANS (Detail Textuals 2)	9 Months Ended
	Jun. 30, 2018$ / shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding	3 years 9 months 18 days
Exercise price and fair value	$ 18.46
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	2.98
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	2.92
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	3.34
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	4.67
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	4.58
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	2.13
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	$ 3.18
Fair value, valuation method	Black-Scholes pricing model
Expected term	7 years
Volatility rate	14.37%
Expected interest rate	2.22%
Expected yield	0.69%
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	$ 18.39
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	17.43
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	$ 3.63
2008 Option Plan and 2014 SIP | Stock Options | Granted In March 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value, valuation method	Black-Scholes pricing model
Expected term	7 years
Volatility rate	15.90%
Expected interest rate	2.82%
Expected yield	1.08%

COMMITMENTS AND CONTINGENT LI74

COMMITMENTS AND CONTINGENT LIABILITIES (Detail Textuals)	9 Months Ended
	Jun. 30, 2018USD ($)Loan	Sep. 30, 2017USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 1,700,000
Aggregate undisbursed portion of loans-in-process	42,082,000	$ 73,858,000
Loans with unused commitments	$ 50,500,000
Number of loans with unused commitments | Loan	6
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 27,400,000	45,900,000
Aggregate undisbursed portion of loans-in-process	$ 42,100,000	73,900,000
Loan Origination Commitments | Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB		3,750
Market interest rate on fixed and variable rate loans	5.15%
Loan Origination Commitments | Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB		5,250
Market interest rate on fixed and variable rate loans	5.75%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 66,900,000	7,400,000
Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 1,700,000	$ 1,400,000

FAIR VALUE MEASUREMENT - Assets

FAIR VALUE MEASUREMENT - Assets measured at fair value on recurring basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Assets:
Assets, Total	$ 270,275	$ 178,904
Liabilities:
Liabilities, Total	186
Level 1
Assets:
Assets, Total	42	76
Liabilities:
Liabilities, Total	0
Level 2
Assets:
Assets, Total	270,233	178,828
Liabilities:
Liabilities, Total	186
Level 3
Assets:
Assets, Total	0	0
Liabilities:
Liabilities, Total	0
U.S. Government and agency obligations
Assets:
Assets, Total	24,504	25,799
U.S. Government and agency obligations | Level 1
Assets:
Assets, Total	0	0
U.S. Government and agency obligations | Level 2
Assets:
Assets, Total	24,504	25,799
U.S. Government and agency obligations | Level 3
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies
Assets:
Assets, Total	159,324	118,127
Mortgage-backed securities - U.S. government agencies | Level 1
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies | Level 2
Assets:
Assets, Total	159,324	118,127
Mortgage-backed securities - U.S. government agencies | Level 3
Assets:
Assets, Total	0	0
State and political subdivisions
Assets:
Assets, Total	22,059
State and political subdivisions | Level 1
Assets:
Assets, Total	0
State and political subdivisions | Level 2
Assets:
Assets, Total	22,059
State and political subdivisions | Level 3
Assets:
Assets, Total	0
Corporate bond securities
Assets:
Assets, Total	64,346	34,400
Corporate bond securities | Level 1
Assets:
Assets, Total	0	0
Corporate bond securities | Level 2
Assets:
Assets, Total	64,346	34,400
Corporate bond securities | Level 3
Assets:
Assets, Total	0	0
FHLMC preferred stock
Assets:
Assets, Total	42	76
FHLMC preferred stock | Level 1
Assets:
Assets, Total	42	76
FHLMC preferred stock | Level 2
Assets:
Assets, Total	0	0
FHLMC preferred stock | Level 3
Assets:
Assets, Total	0	0
Interest rate swap contracts
Assets:
Assets, Total		502
Liabilities:
Liabilities, Total	186
Interest rate swap contracts | Level 1
Assets:
Assets, Total		0
Liabilities:
Liabilities, Total	0
Interest rate swap contracts | Level 2
Assets:
Assets, Total		502
Liabilities:
Liabilities, Total	186
Interest rate swap contracts | Level 3
Assets:
Assets, Total		$ 0
Liabilities:
Liabilities, Total	$ 0

FAIR VALUE MEASUREMENT - Change

FAIR VALUE MEASUREMENT - Changes in level 3 assets measured at fair value (Details 1) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 16,880	$ 19,665
Real estate owned	85	192
Total	16,965	19,857
Level 1
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 2
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 3
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	16,880	19,665
Real estate owned	85	192
Total	$ 16,965	$ 19,857

FAIR VALUE MEASUREMENT - Valuat

FAIR VALUE MEASUREMENT - Valuation processes used to determine nonrecurring fair value measurements categorized within level 3 (Details 2) - Fair value measurements on a nonrecurring basis $ in Thousands		Jun. 30, 2018USD ($)	Sep. 30, 2017USD ($)
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans		$ 16,880	$ 19,665
Real estate owned		85	192
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans		16,880	19,665
Real estate owned		$ 85	$ 192
Level 3 | Impaired loan | Management discount for selling costs, property type and market volatility | Property appraisals | Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurment input	[1],[2],[3]	6	6
Level 3 | Impaired loan | Management discount for selling costs, property type and market volatility | Property appraisals | Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurment input	[1],[2],[3]	10	57
Level 3 | Impaired loan | Management discount for selling costs, property type and market volatility | Property appraisals | Weighted average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans measurment input	[1],[2],[3]	10	7
Level 3 | Real estate owned | Management discount for selling costs, property type and market volatility | Property appraisals | Weighted average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Other real estate owned measurement input	[1],[2],[3]	10	10
[1]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
[2]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable.
[3]	Includes qualitative adjustments by management and estimated liquidation expenses.

FAIR VALUE MEASUREMENT - Asse78

FAIR VALUE MEASUREMENT - Assets measured at fair value on a non-recurring basis and the adjustments to the carrying value (Details 3) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017	Jun. 30, 2017	Sep. 30, 2016
Assets:
Cash and cash equivalents	$ 36,055	$ 27,903	$ 22,927	$ 12,440
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	270,275	178,402
Investment and mortgage-backed securities held to maturity	58,127	61,284
Loans receivable, net	602,455	571,343
Accrued interest receivable	3,670	2,825
Other real estate owned	85	192
Federal Home Loan Bank stock	7,909	6,002
Bank owned life insurance	28,533	28,048
Liabilities:
Passbook, club and statement savings accounts	97,730	101,743
Accrued interest payable	2,179	1,933
Advances from FHLB short-term	35,000	20,000
Advances from FHLB long-term	129,164	94,318
Advances from borrowers for taxes and insurance	3,808	2,207
Carrying Amount
Assets:
Cash and cash equivalents	36,055	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	270,275	178,402
Investment and mortgage-backed securities held to maturity	58,127	61,284
Loans receivable, net	602,455	571,343
Accrued interest receivable	3,670	2,825
Other real estate owned	85
Federal Home Loan Bank stock	7,909	6,002
Bank owned life insurance	28,533	28,048
Interest rate swap contracts	0	502
Liabilities:
Checking accounts	60,784	59,956
Money market deposit accounts	64,349	48,797
Passbook, club and statement savings accounts	97,730	101,743
Certificates of deposit	492,190	394,325
Accrued interest payable	2,179	20,000
Advances from FHLB short-term	35,000	94,318
Advances from FHLB long-term	129,164	1,933
Advances from borrowers for taxes and insurance	3,808	2,207
Interest rate swap contracts	202
Fair Value
Assets:
Cash and cash equivalents	36,055	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	270,275	178,402
Investment and mortgage-backed securities held to maturity	54,884	60,179
Loans receivable, net	600,280	575,876
Accrued interest receivable	3,670	2,825
Other real estate owned	85
Federal Home Loan Bank stock	7,909	6,002
Bank owned life insurance	28,533	28,048
Interest rate swap contracts	0	502
Liabilities:
Checking accounts	60,784	59,956
Money market deposit accounts	64,349	48,797
Passbook, club and statement savings accounts	97,730	101,743
Certificates of deposit	496,678	398,078
Accrued interest payable	2,179	20,000
Advances from FHLB short-term	35,000	93,579
Advances from FHLB long-term	126,054	1,933
Advances from borrowers for taxes and insurance	3,808	2,207
Interest rate swap contracts	202
Level 1
Assets:
Cash and cash equivalents	36,055	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	42	76
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	0	0
Accrued interest receivable	3,670	2,825
Other real estate owned	85
Federal Home Loan Bank stock	7,909	6,002
Bank owned life insurance	28,533	28,048
Interest rate swap contracts	0	0
Liabilities:
Checking accounts	60,784	59,956
Money market deposit accounts	64,349	48,797
Passbook, club and statement savings accounts	97,730	101,743
Certificates of deposit	0	0
Accrued interest payable	2,179	20,000
Advances from FHLB short-term	35,000	0
Advances from FHLB long-term	0	1,933
Advances from borrowers for taxes and insurance	3,808	2,207
Interest rate swap contracts	0
Level 2
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	270,233	178,326
Investment and mortgage-backed securities held to maturity	54,884	60,179
Loans receivable, net	0	0
Accrued interest receivable	0	0
Other real estate owned	0
Federal Home Loan Bank stock	0	0
Bank owned life insurance	0	0
Interest rate swap contracts	0	502
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	0	0
Accrued interest payable	0	0
Advances from FHLB short-term	0	0
Advances from FHLB long-term	0	0
Advances from borrowers for taxes and insurance	0	0
Interest rate swap contracts	202
Level 3
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	0	0
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	600,280	575,876
Accrued interest receivable	0	0
Other real estate owned	0
Federal Home Loan Bank stock	0	0
Bank owned life insurance	0	0
Interest rate swap contracts	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	496,678	398,078
Accrued interest payable	0	0
Advances from FHLB short-term	0	93,579
Advances from FHLB long-term	126,054	0
Advances from borrowers for taxes and insurance	0	$ 0
Interest rate swap contracts	$ 0

FAIR VALUE MEASUREMENT (Detail

FAIR VALUE MEASUREMENT (Detail Textuals) $ in Millions	Jun. 30, 2018USD ($)
Level 2
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$ 16.8

GOODWILL AND OTHER INTANGIBLE80

GOODWILL AND OTHER INTANGIBLE ASSETS - Related to acquisition of Polonia Bancorp (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Goodwill [Roll Forward]
Balance, Goodwill			$ 6,102
Additions/Adjustments			0
Balance, Goodwill	$ 6,102		6,102
Finite-lived Intangible Assets [Roll Forward]
Balance			710
Additions/Adjustments			0
Amortization			(105)
Balance	605		$ 605
Amortization Period			10 years
Intangible Assets Net Including Goodwill [Roll Forward]
Balance, Total			$ 6,812
Additions/Adjustments			0
Amortization	(34)	$ (37)	(105)	$ (75)
Balance, Total	$ 6,707		$ 6,707

GOODWILL AND OTHER INTANGIBLE81

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details 1) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
2,018	$ 33
2,019	123
2,020	108
2,021	93
2,022	78
Thereafter	170
Total	$ 605	$ 710