Prudential Bancorp (PBIP) 10-Q 11 Feb 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Dec. 31, 2018	Jan. 31, 2019
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		8,897,508
Document Type	10-Q
Document Period End Date	Dec. 31, 2018
Amendment Flag	false
Document Fiscal Year Focus	2,019
Document Fiscal Period Focus	Q1
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Ex Transition Period	false

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
ASSETS
Cash and amounts due from depository institutions	$ 2,220	$ 2,457
Interest-bearing deposits	7,678	45,714
Total cash and cash equivalents	9,898	48,171
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale (amortized cost- December 31, 2018, $400,283; September 30, 2018, $316,719)	393,152	306,187
Investment and mortgage-backed securities held to maturity (fair value- December 31, 2018, $54,969; September 30, 2018, $55,927)	57,605	59,852
Equity securities (amortized cost December 31, 2018, $6)	28
Loans receivable-net of allowance for loan losses (December 31, 2018, $5,167; September 30, 2018, $5,167)	588,511	602,932
Accrued interest receivable	4,140	3,825
Real estate owned	1,027	1,026
Restricted Bank stock	10,081	7,585
Office properties and equipment-net	7,310	7,439
Bank owned life insurance	28,048	28,691
Deferred tax assets-net	4,216	4,655
Goodwill	6,102	6,102
Core deposit intangible	538	571
Prepaid expenses and other assets	2,902	2,530
TOTAL ASSETS	1,115,162	1,081,170
Deposits:
Noninterest-bearing	14,306	13,677
Interest-bearing	738,057	770,581
Total deposits	752,363	784,258
Advances from Federal Home Loan Bank (short-term)	68,500	10,000
Advances from Federal Home Loan Bank (long-term)	148,901	144,683
Accrued interest payable	1,557	3,232
Advances from borrowers for taxes and insurance	3,410	2,083
Accounts payable and accrued expenses	9,753	8,505
Total liabilities	984,484	952,761
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 8,892,964 outstanding at December 31, 2018; 10,819,006 issued and 8,987,356 outstanding at September 30, 2018	108	108
Additional paid-in capital	118,621	118,345
Treasury stock, at cost: 1,926,042 shares at December 31, 2018 and 1,831,650 shares at September 30, 2018	(29,399)	(27,744)
Retained earnings	47,381	45,854
Accumulated other comprehensive loss	(6,033)	(8,154)
Total stockholders' equity	130,678	128,409
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,115,162	$ 1,081,170

UNAUDITED CONSOLIDATED STATEM_2

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$ 400,283	$ 316,719
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	54,969	55,927
Equity securities, amortized cost (in dollars)	6
Allowance for loan losses on loans receivable (in dollars)	$ 5,167	$ 5,167
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	8,892,964	8,987,356
Number of treasury share purchased	1,926,042	1,831,650

UNAUDITED CONSOLIDATED STATEM_3

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME:
Interest on loans	$ 6,462	$ 6,107
Interest on mortgage-backed securities	1,755	842
Interest and dividends on investments	1,532	949
Interest on interest-bearing assets	252	138
Total interest income	10,001	8,036
INTEREST EXPENSE:
Interest on deposits	3,040	1,412
Interest on advances from Federal Home Loan Bank (short-term)	67	82
Interest on advances from Federal Home Loan Bank (long-term)	879	406
Total interest expense	3,986	1,900
NET INTEREST INCOME	6,015	6,136
PROVISION FOR LOAN LOSSES	0	210
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,015	5,926
NON-INTEREST INCOME:
Fees and other service charges	178	167
Income from bank owned life insurance	154	164
Other	48	84
Total non-interest income	380	415
NON-INTEREST EXPENSE:
Salaries and employee benefits	2,174	1,974
Data processing	183	176
Professional services	401	792
Office occupancy	238	271
Depreciation	155	156
Director compensation	65	59
Advertising	81	60
Core deposit amortization	33	37
Other	662	518
Total non-interest expense	3,992	4,043
INCOME BEFORE INCOME TAXES	2,403	2,298
INCOME TAXES:
Current expense	559	648
Deferred tax (benefit) expense	(130)	1,616
Total income tax expense	429	2,264
NET INCOME	$ 1,974	$ 34
BASIC EARNINGS PER SHARE (in dollars per share)	$ 0.220	$ 0.004
DILUTED EARNINGS PER SHARE (in dollars per share)	0.220	0.004
DIVIDENDS PER SHARE (in dollars per share)	$ 0.05	$ 0.20

UNAUDITED CONSOLIDATED STATEM_4

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement Of Other Comprehensive Income [Abstract]
Net income	$ 1,974	$ 34
Unrealized holding gains (losses) on available-for-sale securities	3,424	(1,107)
Tax effect	(719)	376
Unrealized holding (losses) gains on interest rate swaps	(739)	44
Tax effect	155	(15)
Total other comprehensive income (loss)	2,121	(702)
Comprehensive income (loss)	$ 4,095	$ (668)

UNAUDITED CONSOLIDATED STATEM_5

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional paid-in capital	Treasury Stock	Retained earnings	Accumulated Other Comprehensive Loss	Total
BALANCE at Sep. 30, 2017	$ 108	$ 118,751	$ (26,707)	$ 44,787	$ (760)	$ 136,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				34		34
Other comprehensive income (loss)					(702)	(702)
Dividends paid ($0.05, $0.20 per share for December 31, 2018 and December 31, 2017, respectively)				(1,796)		(1,796)
Purchase of Treasury Stock (96,165 shares and 48,541 shares for December 31, 2018 and December 31, 2017 respectively)			(898)			(898)
Treasury Stock used for employee benefit plans (1,773 shares and 22,171 shares for December 31, 2018 and for December 31, 2017 respectively)			309			309
Stock option expense		169				169
Restricted shares award expense		119				119
Reclassification due to change in federal income tax rate				303	(303)
BALANCE at Dec. 31, 2017	108	119,039	(27,296)	43,328	(1,765)	133,414
BALANCE at Sep. 30, 2018	108	118,345	(27,744)	45,854	(8,154)	128,409
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				1,974		1,974
Other comprehensive income (loss)					2,121	2,121
Dividends paid ($0.05, $0.20 per share for December 31, 2018 and December 31, 2017, respectively)				(447)		(447)
Purchase of Treasury Stock (96,165 shares and 48,541 shares for December 31, 2018 and December 31, 2017 respectively)			(1,687)			(1,687)
Treasury Stock used for employee benefit plans (1,773 shares and 22,171 shares for December 31, 2018 and for December 31, 2017 respectively)		(32)	32
Stock option expense		151				151
Restricted shares award expense		157				157
BALANCE at Dec. 31, 2018	$ 108	$ 118,621	$ (29,399)	$ 47,381	$ (6,033)	$ 130,678

UNAUDITED CONSOLIDATED STATEM_6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement Of Stockholders Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.05	$ 0.20
Purchase of treasury stock	96,165	48,541
Treasury stock used for employee benefit plan	1,773	22,171

UNAUDITED CONSOLIDATED STATEM_7

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
OPERATING ACTIVITIES:
Net income	$ 1,974	$ 34
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation	155	156
Net (accretion) amortization of premiums/discounts	(435)	53
Provision for loan losses	0	210
Net amortization of deferred loan fees and costs	(7)	3
Share-based compensation expense for stock options and awards	308	288
Income from bank owned life insurance	(154)	(164)
Deferred income tax (benefit) expense	(130)	1,616
Changes in assets and liabilities which used cash:
Accrued interest receivable	(315)	(627)
Accrued interest payable	(1,675)	(1,292)
Net other	253	24
Net cash (used in) provided by operating activities	(26)	301
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(86,650)	(40,641)
Purchase of investment securities held for maturity		(2,458)
Loans originated or acquired	(30,865)	(28,346)
Principal collected on loans	45,430	19,475
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	2,230	345
Available-for-sale	3,978	3,332
Purchase of FHLB stock	(3,270)	(857)
Proceeds from redemption of Federal Home Loan Bank stock	774
Purchases of equipment	(26)	(63)
Net cash used in investing activities	(68,399)	(49,213)
FINANCING ACTIVITIES:
Net decrease in demand deposits, NOW accounts, and savings accounts	(3,125)	(5,691)
Net (decrease) increase in certificates of deposit	(28,716)	21,741
Net proceeds from FHLB advances (short-term)	58,500	10,000
Proceeds from FHLB advances (long-term)	23,500	26,000
Repayment of FHLB advances (long-term)	(19,232)	(13,287)
Increase in advances from borrowers for taxes and insurance	1,327	1,290
Cash dividends paid	(447)	(1,796)
Treasury stock used for employee benefit plans	32	309
Purchase of treasury stock	(1,687)	(898)
Net cash provided by financing activities	30,152	37,668
NET DECREASE IN CASH AND CASH EQUIVALENTS	(38,273)	(11,244)
CASH AND CASH EQUIVALENTS - Beginning of period	48,171	27,903
CASH AND CASH EQUIVALENTS - End of period	9,898	16,659
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid on deposits and advances from Federal Home Loan Bank	5,661	3,192
Income taxes paid
SUPPLEMENTAL DISCLOSURE OF NONCASH ITEMS:
Real estate acquired in settlement of loans		$ 171

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Dec. 31, 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”). 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 additional 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 June 2, 2016, the Company announced the entering into of a definitive merger agreement with Polonia Bancorp, Inc. (“Polonia Bancorp”); effective January 1, 2017, Polonia Bancorp merged with and into the Company, and Polonia Bank, Polonia’s wholly owned subsidiary, merged with and into the Bank. Basis of presentation – Use of Estimates in the Preparation of Financial Statements — Recently Adopted Accounting Pronouncements Effective October 1, 2018, the Company adopted ASU 2014-09 Revenue from Contracts with Customers – Topic 606 Management determined that the primary sources of revenue emanating from interest and dividend income on loans and securities along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees, certain credit cards fees, and income on bank-owned life insurance are not within the scope of ASC 606. As a result, no changes were made during the period related to these sources of revenue, which cumulatively comprise 98 percent of the total revenue of the Company. Services within the scope of ASC 606 include income from service charges on deposit accounts, other service income, ATM fees and gain on sale of OREO, net. For these accounts, fees are related to specific customer transactions and are attributable to specific performance obligations of the Bank where the revenue is recognized at a defined point in time, completion of the requested service/transaction. ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities Recent Accounting Pronouncements 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 March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718) In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
EARNINGS PER SHARE	2. EARNINGS PER SHARE Basic earnings per common share is computed by dividing net income available to common stockholders 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 available to common stockholders 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, 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 December 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands, Except Per Share Data) Net income $ 1,974 $ 1,974 $ 34 $ 34 Weighted average shares outstanding 8,804,096 8,804,096 8,855,116 8,855,116 Effect of common stock equivalents - 189,276 - 357,871 Adjusted weighted average shares used in earnings per share computation 8,804,096 8,993,372 8,855,116 9,212,987 Earnings per share - basic and diluted $ 0.22 $ 0.22 $ 0.004 $ 0.004 As of December 31, 2018 and 2017, there were 666,526 and 890,616 shares of common stock, respectively, subject to options with an exercise price less than the then current market and which were included in the computation of diluted earnings per share. At December 31, 2018 and 2017, there were 198,084 and 1,413 shares that had exercise prices greater than the current market value and were considered anti-dilutive at such dates.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE LOSS	3 Months Ended
	Dec. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
ACCUMULATED OTHER COMPREHENSIVE LOSS	3. ACCUMULATED OTHER COMPREHENSIVE LOSS The following table presents the changes in accumulated other comprehensive (loss) income by component net of tax: Three Months Ended December 31, Three Months Ended December 31, 2018 2018 2018 2017 2017 2017 Unrealized Unrealized gain(loss) Total accumulated Unrealized Unrealized gain(loss) Total accumulated Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss)income before reclassification 2,705 (584 ) 2,121 (731 ) 29 (702 ) Total (5,615 ) (418 ) (6,033 ) (1,822 ) 360 (1,462 ) Reclassification due to change in federal income tax rate - - - (303 ) - (303 ) Ending balance, December 31 $ (5,615 ) $ (418 ) $ (6,033 ) $ (2,125 ) $ 360 $ (1,765 ) (a) All amounts are net of tax. Amounts in parentheses indicate losses.

INVESTMENT AND MORTGAGE-BACKED

INVESTMENT AND MORTGAGE-BACKED SECURITIES	3 Months Ended
	Dec. 31, 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: December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,280 $ - $ (816 ) $ 24,464 State and political subdivisions 22,717 69 (848 ) 21,938 Mortgage-backed securities - U.S. government agencies 272,717 1,029 (4,495 ) 269,251 Corporate bonds 79,569 260 (2,330 ) 77,499 Total debt securities available for sale 400,283 1,358 (8,489 ) 393,152 Total securities available for sale $ 400,283 $ 1,358 $ (8,489 ) $ 393,152 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 102 $ (2,507 ) $ 29,095 Mortgage-backed securities - U.S. government agencies 5,556 135 (80 ) 5,611 State and political subdivisions 20,549 58 (344 ) 20,263 Total securities held to maturity $ 57,605 $ 295 $ (2,931 ) $ 54,969 September 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 $ 25,562 $ - $ (1,391 ) $ 24,171 State and political subdivisions 22,078 - (542 ) 21,536 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 Corporate debt securities 75,622 - (2,539 ) 73,083 Total debt securities available for sale 316,713 77 (10,640 ) 306,150 FHLMC preferred stock 6 31 - 37 Total securities available for sale $ 316,719 $ 108 $ (10,640 ) $ 306,187 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 85 $ (3,311 ) $ 30,274 State and political subdivisions 20,574 2 (696 ) 19,880 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 Total securities held to maturity $ 59,852 $ 235 $ (4,160 ) $ 55,927 As of December 31, 2018, the Bank maintained $142.0 million in a safekeeping account at the FHLB of Pittsburgh used for collateral as a convenience. The Bank is not required to maintain any specific collateral for its borrowings; therefore these securities are not restricted and could be sold or transferred if needed. 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 December 31, 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 $ - $ - $ (816 ) $ 24,464 $ (816 ) $ 24,464 Mortgage-backed securities - US government agencies (638 ) 65,310 (3,857 ) 93,540 (4,495 ) 158,850 State and political subdivisions (848 ) 16,552 - - (848 ) 16,552 Corporate bonds (136 ) 14,780 (2,194 ) 44,850 (2,330 ) 59,630 Total securities available for sale $ (1,622 ) $ 96,642 $ (6,867 ) $ 162,854 $ (8,489 ) $ 259,496 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (2,507 ) $ 27,993 $ (2,507 ) $ 27,993 Mortgage-backed securities - US government agencies (80 ) 2,095 - - (80 ) 2,095 State and political subdivisions (344 ) 11,475 - - (344 ) 11,475 Total securities held to maturity $ (424 ) $ 13,570 $ (2,507 ) $ 27,993 $ (2,931 ) $ 41,563 Total $ (2,046 ) $ 110,212 $ (9,374 ) $ 190,847 $ (11,420 ) $ 301,059 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, 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 $ (89 ) $ 4,479 $ (1,302 ) $ 19,692 $ (1,391 ) $ 24,171 Mortgage-backed securities - US government agencies (1,821 ) 92,851 (4,347 ) 86,268 (6,168 ) 179,119 State and political subdivisions (542 ) 21,536 - - (542 ) 21,536 Corporate bonds (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total securities available for sale $ (4,171 ) $ 177,619 $ (6,469 ) $ 120,290 $ (10,640 ) $ 297,909 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (3,311 ) $ 27,190 $ (3,311 ) $ 27,190 Mortgage-backed securities - US government agencies (106 ) 2,630 (46 ) 930 (152 ) 3,560 State and political subdivisions (234 ) 11,238 (463 ) 6,618 (697 ) 17,856 Total securities held to maturity $ (340 ) $ 13,868 $ (3,820 ) $ 34,738 $ (4,160 ) $ 48,606 Total $ (4,511 ) $ 191,487 $ (10,289 ) $ 155,028 $ (14,800 ) $ 346,515 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 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 months ended December 31, 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. December 31, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,703 $ 1,702 $ 8,527 $ 8,334 Due after five through ten years 23,759 23,130 95,221 92,642 Due after ten years 26,587 24,526 23,818 22,925 Total $ 52,049 $ 49,358 $ 127,566 $ 123,901 During the three month periods ended December 31, 2018 and 2017, the Company did not sell any securities.

LOANS RECEIVABLE

LOANS RECEIVABLE	3 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: December 31, September 30, 2018 2018 (Dollars in Thousands) One-to-four family residential $ 322,525 $ 324,865 Multi-family residential 34,556 34,355 Commercial real estate 113,145 119,511 Construction and land development 147,669 160,228 Loans to financial institutions 6,000 6,000 Commercial business 17,474 17,792 Leases 1,472 1,687 Consumer 898 953 Total loans 643,739 665,391 Undisbursed portion of loans-in-process (47,190 ) (54,474 ) Deferred loan fees (2,871 ) (2,818 ) Allowance for loan losses (5,167 ) (5,167 ) Net loans $ 588,511 $ 602,932 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 December 31, 2018: One- to four - Multi-family Commercial real Construction Commercial Lans to Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for Loan Losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,427 372 1,147 1,445 193 67 16 13 487 5,167 Total ending allowance balance $ 1,427 $ 372 $ 1,147 $ 1,445 $ 193 $ 67 $ 16 $ 13 $ 487 $ 5,167 Loans: Individually evaluated for impairment $ 5,234 $ 293 $ 2,208 $ 8,753 $ - $ - $ - $ 10 $ 16,498 Collectively evaluated for impairment 317,291 34,263 110,937 138,916 17,474 6,000 1,472 888 627,241 Total loans $ 322,525 $ 34,556 $ 113,145 $ 147,669 $ 17,474 $ 6,000 $ 1,472 $ 898 $ 643,739 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, 2018: One- to four - Multi-family Commercial real Construction Commercial Loanss to Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for Loan Losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,343 347 1,154 1,554 187 64 18 18 482 5,167 Total ending allowance balance $ 1,343 $ 347 $ 1,154 $ 1,554 $ 187 $ 64 $ 18 $ 18 $ 482 $ 5,167 Loans: Individually evaluated for impairment $ 5,081 $ 298 $ 1,919 $ 8,750 $ - $ - $ - $ - $ 16,048 Collectively evaluated for impairment 319,784 34,057 117,592 151,478 17,792 6,000 1,687 953 649,343 Total loans $ 324,865 $ 34,355 $ 119,511 $ 160,228 $ 17,792 $ 6,000 $ 1,687 $ 953 $ 665,391 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, all 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 December 31, 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 $ - $ - $ 5,234 $ 5,234 $ 5,591 Multi-family residential - - 293 293 293 Commercial real estate - - 2,208 2,208 2,367 Construction and land development - - 8,753 8,753 11,134 Consumer - - 10 10 10 Total loans $ - $ - $ 16,498 $ 16,498 $ 19,395 The following table presents impaired loans by class as of September 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 $ - $ - $ 5,081 $ 5,081 $ 5,432 Multi-family - - 298 298 298 Commercial real estate - - 1,919 1,919 2,057 Construction and land development - - 8,750 8,750 11,131 Total loans $ - $ - $ 16,048 $ 16,048 $ 18,918 The following tables present the average recorded investment in impaired loans and related interest income recognized for the periods indicated: Three Months Ended December 31, 2018 Average Income Income (Dollars in Thousands) One-to-four family residential $ 5,158 $ 15 $ 5 Multi-family residential 296 5 - Commercial real estate 2,064 10 1 Construction and land development 8,752 - - Consumer 5 - - Total loans $ 16,274 $ 30 $ 6 Three Months Ended December 31, 2017 Average Income Income (Dollars in Thousands) One-to-four family residential $ 9,690 $ 34 $ 4 Multi-family residential 315 6 - Commercial real estate 3,051 29 - Construction and land development 8,729 - - Consumer 10 - - Total loans $ 21,795 $ 69 $ 4 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 aforementioned categories but possess weaknesses are required to be designated “special mention.” The following tables present the classes of the loan portfolio in which a formal risk weighting system is utilized 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. December 31, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 315,040 $ 2,251 $ 5,234 $ 322,525 Multi-family residential 33,935 328 293 34,556 Commercial real estate 106,805 4,132 2,208 113,145 Construction and land development 138,916 - 8,753 147,669 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,474 - - 17,474 Total loans $ 618,170 $ 6,711 $ 16,488 $ 641,369 September 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 317,033 $ 2,751 $ 5,081 $ 324,865 Multi-family residential 34,057 - 298 34,355 Commercial real estate 115,670 1,922 1,919 119,511 Construction and land development 151,478 - 8,750 160,228 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,792 - - 17,792 Total loans $ 642,030 $ 4,673 $ 16,048 $ 662,751 The Company evaluates the classification of one-to-four family residential 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 loan, the loan is downgraded following the above definitions of special mention, substandard, doubtful and loss. 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 table are those loans greater than 90 days past due as to principal and/or interest that do not have a designated risk rating. December 31, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 319,088 $ 3,437 $ 322,525 Leases 1,472 - 1,472 Consumer 898 - 898 Total loans $ 321,458 $ 3,437 $ 324,895 September 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 321,853 $ 3,012 $ 324,865 Leases 1,687 - 1,687 Consumer 953 - 953 Total loans $ 324,493 $ 3,012 $ 327,505 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: December 31, 2018 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 $ 317,547 $ 2,514 $ 2,464 $ 4,978 $ 322,525 $ 3,437 $ - Multi-family residential 34,395 161 - 161 34,556 - - Commercial real estate 111,727 88 1,330 1,418 113,145 1,478 - Construction and land development 138,916 - 8,753 8,753 147,669 8,753 - Commercial business 17,474 - - - 17,474 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,472 - - - 1,472 - - Consumer 841 57 - - 898 - - Total loans $ 628,372 $ 2,820 $ 12,547 $ 15,310 $ 643,739 $ 13,668 $ - September 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 (Dollars in Thousands) One-to-four family residential $ 321,749 $ 1,037 $ 2,079 $ 3,116 $ 324,865 $ 3,012 $ - Multi-family residential 34,355 - - - 34,355 - - Commercial real estate 117,335 722 1,454 2,176 119,511 1,627 - Construction and land development 151,478 - 8,750 8,750 160,228 8,750 - Commercial business 17,792 - - - 17,792 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,687 - - - 1,687 - - Consumer 837 116 - 116 953 - - Total loans $ 651,233 $ 1,875 $ 12,283 $ 14,158 $ 665,391 $ 13,389 $ - 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 borrowers’ ability to make required payments as well as reducing the value of the collateral property. 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 three month periods ended December 31, 2018 and 2017: Three Months Ended December 31, 2018 One- to Multi- Commercial Construction Commercial Loans to Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2018 $ 1,343 $ 347 $ 1,154 $ 1,554 $ 187 $ 64 $ 18 $ 18 $ 482 $ 5,167 Charge-offs - - - - - - - - - - Recoveries - - - - - - - - - - Provision 84 25 (7 ) (109 ) 6 3 (2 ) (5 ) 5 - ALLL balance at December 31, 2018 $ 1,427 $ 372 $ 1,147 $ 1,445 $ 193 $ 67 $ 16 $ 13 $ 487 $ 5,167 Three Months Ended December 31, 2017 One- to Multi- Commercial Construction Commercial Loans to 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 - - - - - - - - - - Recoveries - - - - - - - - - - Provision 29 (47 ) (137 ) 263 22 - (3 ) - 83 210 ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ 26 $ - $ 20 $ 24 $ 493 $ 4,676 The Company recorded no provision for loan losses in the three months period ended December 31, 2018, compared to $210,000 for the same period in 2017. At December 31, 2018, the Company had nine loans aggregating $6.0 million that were classified as troubled debt restructurings (“TDRs”). Five of such loans aggregating $644,000 as of December 31, 2018 were performing in accordance with the restructured terms and accruing interest. Three of the TDRs, totaling $4.9 million, which are classified as non-accrual are a part of a troubled lending relationship totaling $10.6 million (after taking into account the previously disclosed $1.9 million write-down recognized during the quarter ending March 31, 2017 related to this borrowing relationship). The remaining TDR is also on non-accrual and consists of a $445,000 loan secured by various commercial and residential properties. The Company did not restructure any loans during the three months ended December 31, 2018, while one loan was restructured with a balance of $77,000, during the three month period ended December 31, 2017. The restructuring entailed extending the loan maturity date to February 2018, at which time the loan was paid off. As of and for the Three months Ended December 31, 2017 Number of Pre- Post- (Dollars in Thousands) One-to-four family residential 1 $ 77 $ 77 1 $ 77 $ 77 No TDRs defaulted during the three month periods ending December 31, 2018 and 2017.

DEPOSITS

DEPOSITS	3 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Deposits:	6. DEPOSITS Deposits consist of the following major classifications: December 31, September 30, 2018 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 65,752 8.7 % $ 66,120 8.4 % Interest-bearing checking accounts 49,273 6.6 % 49,209 6.3 % Non interest-bearing checking accounts 14,306 1.9 % 13,620 1.7 % Passbook, club and statement savings 87,975 11.7 % 91,489 11.7 % Certificates maturing in six months or less 287,001 38.1 % 301,184 38.4 % Certificates maturing in more than six months 248,056 33.0 % 262,636 33.5 % Total $ 752,363 100.0 % $ 784,258 100.0 % Certificates of $250,000 and over totaled $50.9 million as of December 31, 2018 and $81.9 million as of September 30, 2018.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	3 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK – SHORT TERM The periods ended December 31, 2018 and September 30, 2018 outstanding balances and related information of short-term borrowings from the FHLB are summarized follows: December 31, September 30, 2018 2018 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Repo Plus 12-Oct-18 2.31 % Not Applicable $ - $ 10,000 Weighted average rate 2.31 % Fixed Rate - Repo Plus 2-Jan-19 2.62 % Not Applicable $ 58,500 $ - Fixed Rate - Repo Plus 14-Jan-19 2.64 % Not Applicable 10,000 - Weighted average rate 2.62 % $ 68,500 $ 10,000 As of December 31, 2018 and September 30, 2018, included a $10.0 million 30 day FHLB advance associated with an interest rate swap contract with a weighted average effective cost of 270 basis points. The additional $58.5 million at December 31, 2018 consisted of an overnight borrowing to provide additional short-term liquidity.

ADVANCES FROM FEDERAL HOME LO_2

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	3 Months Ended
	Dec. 31, 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 December 31, 2018 and September 30, 2018 are as follows: Lomg-term FHLB Weighted advances: Maturity range average interest Stated interest rate range December 31, September 30, Description from to rate from to 2018 2018 (Dollars in Thousands) Fixed Rate - Amortizing 1-Oct-18 30-Sep-19 1.53 % 1.53 % 1.53 % $ 1,290 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.68 % 1.94 % 2.83 % 21,077 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.80 % 1.99 % 3.05 % 11,076 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 8,150 8,550 Total 2.72 % $ 41,593 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 1.40 % 2.66 % $ 3,018 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,389 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.45 % 1.42 % 2.92 % 3,032 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.28 % 1.94 % 3.23 % 23,369 23,380 Fixed Rate - Advances 1-Oct-22 30-Sep-23 2.70 % 2.18 % 3.15 % 37,000 37,000 Fixed Rate - Advances 1-Oct-23 30-Sep-24 3.13 % 2.98 % 3.20 % 28,500 5,000 Total 2.71 % $ 107,308 $ 99,358 2.71 % Total $ 148,901 $ 144,683

DERIVATIVES

DERIVATIVES	3 Months Ended
	Dec. 31, 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 $10.0 million of FHLB advances at both December 31, 2018 and September 30, 2018, while there are two additional cash flow hedges tied to 90 day wholesale funding at December 31, 2018. These interest rate swaps involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed rate payments. During the quarter ended December 31, 2018, $3,000 of expense was recognized as ineffectiveness through earnings, while $42,000 of income was recognized as ineffectiveness through earnings during the comparable period in 2017. There were nine interest rate swaps designated as fair value hedges 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 that were applicable to two loans and seven investment securities as of both December 31, 2018 and September 30, 2018. The fair value is recorded in the other assets section of the statement of financial condition. Below is a summary of the interest rate swap agreements and their terms as of December 31, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Loss (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ (144 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (51 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (85 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (154 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (38 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (139 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (93 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (90 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Interest rate swap contract 90 Day wholesale funding 20,000 2.78 % 3 Mth Libor 11-Jan-24 (234 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (150 ) Total $ (1,178 ) Below is a summary of the interest rate swap agreements and their terms as of September 30, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Gain (Loss) (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Total $ (202 ) All interest swaps are carried at fair value in accordance with FASB ASC 815 “Derivatives and Hedging.”

INCOME TAXES

INCOME TAXES	3 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: December 31, September 30, 2018 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,447 $ 1,445 Nonaccrual interest 371 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 8 10 Post-retirement benefits 79 85 Unrealized losses on available for sale securities 1,492 2,212 Unrealized losses on interest rate swaps 111 - Deferred compensation 854 838 Goodwill 77 80 Other 51 55 Employee benefit plans 286 239 Total deferred tax assets 5,136 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,780 5,305 Deferred tax liabilities: Property 153 179 Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 309 368 Total deferred tax liabilities 564 650 Net deferred tax assets $ 4,216 $ 4,655 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 $356,000 at December 31, 2018 and September 30, 2018, respectively. For the three-month period ended December 31, 2018, the Company recorded income tax expense of $429,000 compared to income tax expense of $2.3 million, for the period ended December 31, 2017, which included a $1.8 million one-time 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. The re-evaluation 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 was 24.25% as compared to companies which are calendar year tax reporting companies whose statutory rate decreased to 21% starting January 1, 2018. Effective October 1, 2018, the Company’s statutory tax rate was reduced to 21%. 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	3 Months Ended
	Dec. 31, 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 RRP Trust purchased 213,528 shares of the Company’s common stock in the open market for approximately $2.5 million, at an average purchase price per share of $11.49, as part of the RRP. The Company made sufficient contributions to the RRP Trust to fund the RRP Trust’s purchases. Shares subject to awards under the 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 can be awarded as restricted stock awards or units, of which 235,500 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 months ended December 31, 2018 and 2017, $157,000 and $151,000, respectively, was recognized in compensation expense for the RRP and the 2014 SIP. At December 31, 2018, approximately $1.2 million in additional compensation expense for the shares awarded which remained outstanding related to the RRP and the 2014 SIP remained unrecognized A summary of the Company’s non-vested stock award activity for the three months ended December 31, 2018 and 2017 is presented in the following tables: Three Months Ended December 31, 2018 Number of Weighted Average Nonvested stock awards at October 1, 2018 116,916 $ 14.36 Granted - - Forfeited - - Vested - - Nonvested stock awards at the December 31, 2018 116,916 $ 14.36 Three Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted - - Forfeited (3,736 ) $ 11.84 Vested - - Nonvested stock awards at the December 31, 2017 138,858 $ 12.82 The Company maintains the 2008 Stock Option Plan (the “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 Option Plan. As of December 31, 2018, all of the options had been awarded under the Option Plan. As of December 31, 2018, 524,267 options were vested under the 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 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 Option Plan. In March 2018, the Company granted 159,265 shares under the 2014 SIP and 18,235 shares under the Option Plan. A summary of the status of the Company’s stock options under the 2008 Option Plan and the 2014 SIP as of December 31, 2018 and 2017 are presented below: Three Months Ended Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.32 Granted - - Exercised (4,416 ) 10.77 Forfeited - - Outstanding at December 31, 2018 864,610 $ 13.33 Exercisable at December 31, 2018 447,483 $ 11.46 Three Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted - - Exercised (22,171 ) 11.27 Forfeited (8,364 ) 11.76 Outstanding at December 31, 2017 892,029 $ 12.28 Exercisable at December 31, 2017 524,267 $ 11.47 The weighted average remaining contractual term was approximately 6.2 years for options outstanding as of December 31, 2018. 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 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 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 and fair value of $17.43 to $18.39, a term of seven years, a volatility rate of 14.37%, an interest rate of 2.22% and a yield rate of 0.69%. The fair value for grants made in fiscal 2018 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise and fair value based on grant date market value and range from $18.46, a term of seven years, a volatility rate of 15.9%, an interest rate of 2.82% and a yield rate of 1.08%. During the three months ended December 31, 2018 and 2017, $150,000 and $137,000, respectively, was recognized in compensation expense for options granted pursuant to the Option Plan and the 2014 SIP. At December 31, 2018, there was approximately $1.2 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 1.8 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	3 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At December 31, 2018, the Company had $39.7 million in outstanding commitments to originate loans with market interest rates ranging from 5.50% to 6.50%. At September 30, 2018, the Company had $40.4 million in outstanding commitments to originate loans with market interest rates ranging from 4.25% to 6.25%. The aggregate undisbursed portion of loans-in-process amounted to $55.9 million at December 31, 2018 and $54.5 million at September 30, 2018. The Company also had commitments under unused lines of credit of $56.7 million as of December 31, 2018 and $51.9 million as of September 30, 2018 and letters of credit outstanding of $1.6 million as of both December 31, 2018 and September 30, 2018. 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 December 31, 2018, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.5 million. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred. 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	3 Months Ended
	Dec. 31, 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 December 31, 2018 and September 30, 2018, 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 December 31, 2018 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 $ - $ 24,464 $ - $ 24,464 State and political subdivisons - 21,938 - 21,938 Mortgage-backed securities - U.S. Government agencies - 269,251 - 269,251 Corporate bonds - 77,499 - 77,499 Equity security - FHLMC preferred stock 28 - - 28 Total $ 28 $ 393,152 $ - $ 393,180 Those assets as of September 30, 2018 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 $ - $ 24,171 $ - $ 24,171 State and political subdivisions - 21,536 - 21,536 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 Corporate bonds - 73,083 - 73,083 Equity security - FHLMC preferred stock 37 - - 37 Interest rate swap contracts - 225 - 225 Total $ 37 $ 306,375 $ - $ 306,412 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 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 comparable 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 of approximately $16.5 million as of December 31, 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 a 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 December 31, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,498 $ 16,498 Real estate owned - - 1,027 1,027 Total $ - $ - $ 17,525 $ 17,525 At September 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,048 $ 16,048 Real estate owned - - 1,026 1,026 Total $ - $ - $ 17,074 $ 17,074 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 December 31, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,498 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Real estate owned $ 1,027 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% discount At September 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,048 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Real estate owned $ 1,026 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% 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 Carrying Fair December 31, 2018 Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 9,898 $ 9,898 $ 9,898 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 393,152 393,152 - 393,152 - Investment and mortgage-backed securities held to maturity 57,605 54,969 - 54,969 - Equity securities 28 28 28 Loans receivable, net 588,511 581,180 - - 581,180 Accrued interest receivable 4,140 4,140 4,140 - - Restricted Bank stock 10,081 10,081 10,081 - - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 63,579 63,579 63,579 - - Money market deposit accounts 65,752 65,752 65,752 - - Passbook, club and statement savings accounts 87,975 87,975 87,975 - - Certificates of deposit 535,057 540,867 - - 540,867 Advances from FHLB - short-term 68,500 68,500 68,500 - - Advances from FHLB - long-term 148,901 148,901 - - 148,901 Accrued interest payable 1,557 1,557 1,557 - - Advances from borrowers for taxes and Insurance 3,410 3,410 3,410 - - Interest rate swap contracts 517 517 - 517 - Fair Value Measurements at Carrying Fair September 30, 2018 Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 48,171 $ 48,171 $ 48,171 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 306,187 306,187 37 306,150 - Investment and mortgage-backed securities held to maturity 59,852 55,927 - 55,927 - Loans receivable, net 602,932 598,596 - - 598,596 Accrued interest receivable 3,825 3,825 3,825 - - Restricted Bank stock 7,585 7,585 7,585 - - Interest rate swap contracts 225 225 - 225 - Bank owned life insurance 28,691 28,691 28,691 - - Liabilities: Checking accounts 62,886 62,886 62,886 - - Money market deposit accounts 60,686 60,686 60,686 - - Passbook, club and statement savings accounts 96,866 96,866 96,866 - - Certificates of deposit 563,820 569,375 - - 569,375 Accrued interest payable 3,232 3,232 3,232 - - Advances from FHLB -short-term 10,000 10,000 10,000 - - Advances from FHLB -long-term 144,683 141,116 - - 141,116 Advances from borrowers for taxes and Insurance 2,083 2,083 2,083 - - Cash and Cash Equivalents Certificates of deposit Investments and Mortgage-Backed Securities — Loans Receivable — Fair Value Measurements Accrued Interest Receivable – Restricted Bank (FHLB & ACBB) 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 – Interest rate swaps – Advances from borrowers for taxes and insurance – Commitments to Extend Credit and Letters of Credit —

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	3 Months Ended
	Dec. 31, 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 as of January 1, 2017. Balance Balance October 1, Additions/ December 31, Amortization 2018 Adjustments Amortization 2018 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (33 ) 538 10 years $ 6,673 $ - $ (33 ) $ 6,640 As of December 31, 2018, the future fiscal periods amortization expense for the core deposit intangible is: (In thousands) 2019 $ 90 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 538

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Dec. 31, 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
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements Effective October 1, 2018, the Company adopted ASU 2014-09 Revenue from Contracts with Customers – Topic 606 Management determined that the primary sources of revenue emanating from interest and dividend income on loans and securities along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees, certain credit cards fees, and income on bank-owned life insurance are not within the scope of ASC 606. As a result, no changes were made during the period related to these sources of revenue, which cumulatively comprise 98 percent of the total revenue of the Company. Services within the scope of ASC 606 include income from service charges on deposit accounts, other service income, ATM fees and gain on sale of OREO, net. For these accounts, fees are related to specific customer transactions and are attributable to specific performance obligations of the Bank where the revenue is recognized at a defined point in time, completion of the requested service/transaction. ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities Recent Accounting Pronouncements 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 March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). In June 2018, the FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718) In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended December 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands, Except Per Share Data) Net income $ 1,974 $ 1,974 $ 34 $ 34 Weighted average shares outstanding 8,804,096 8,804,096 8,855,116 8,855,116 Effect of common stock equivalents - 189,276 - 357,871 Adjusted weighted average shares used in earnings per share computation 8,804,096 8,993,372 8,855,116 9,212,987 Earnings per share - basic and diluted $ 0.22 $ 0.22 $ 0.004 $ 0.004

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	3 Months Ended
	Dec. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive (loss) income	Three Months Ended December 31, Three Months Ended December 31, 2018 2018 2018 2017 2017 2017 Unrealized Unrealized gain(loss) Total accumulated Unrealized Unrealized gain(loss) Total accumulated Beginning balance, October 1 $ (8,320 ) $ 166 $ (8,154 ) $ (1,091 ) $ 331 $ (760 ) Other comprehensive (loss)income before reclassification 2,705 (584 ) 2,121 (731 ) 29 (702 ) Total (5,615 ) (418 ) (6,033 ) (1,822 ) 360 (1,462 ) Reclassification due to change in federal income tax rate - - - (303 ) - (303 ) Ending balance, December 31 $ (5,615 ) $ (418 ) $ (6,033 ) $ (2,125 ) $ 360 $ (1,765 ) (a) All amounts are net of tax. Amounts in parentheses indicate losses.

INVESTMENT AND MORTGAGE-BACKE_2

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	3 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,280 $ - $ (816 ) $ 24,464 State and political subdivisions 22,717 69 (848 ) 21,938 Mortgage-backed securities - U.S. government agencies 272,717 1,029 (4,495 ) 269,251 Corporate bonds 79,569 260 (2,330 ) 77,499 Total debt securities available for sale 400,283 1,358 (8,489 ) 393,152 Total securities available for sale $ 400,283 $ 1,358 $ (8,489 ) $ 393,152 Securities Held to Maturity: U.S. government and agency obligations $ 31,500 $ 102 $ (2,507 ) $ 29,095 Mortgage-backed securities - U.S. government agencies 5,556 135 (80 ) 5,611 State and political subdivisions 20,549 58 (344 ) 20,263 Total securities held to maturity $ 57,605 $ 295 $ (2,931 ) $ 54,969 September 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 $ 25,562 $ - $ (1,391 ) $ 24,171 State and political subdivisions 22,078 - (542 ) 21,536 Mortgage-backed securities - U.S. government agencies 193,451 77 (6,168 ) 187,360 Corporate debt securities 75,622 - (2,539 ) 73,083 Total debt securities available for sale 316,713 77 (10,640 ) 306,150 FHLMC preferred stock 6 31 - 37 Total securities available for sale $ 316,719 $ 108 $ (10,640 ) $ 306,187 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 85 $ (3,311 ) $ 30,274 State and political subdivisions 20,574 2 (696 ) 19,880 Mortgage-backed securities - U.S. government agencies 5,778 148 (153 ) 5,773 Total securities held to maturity $ 59,852 $ 235 $ (4,160 ) $ 55,927
Schedule of gross unrealized losses and related fair values of investment securities	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 December 31, 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 $ - $ - $ (816 ) $ 24,464 $ (816 ) $ 24,464 Mortgage-backed securities - US government agencies (638 ) 65,310 (3,857 ) 93,540 (4,495 ) 158,850 State and political subdivisions (848 ) 16,552 - - (848 ) 16,552 Corporate bonds (136 ) 14,780 (2,194 ) 44,850 (2,330 ) 59,630 Total securities available for sale $ (1,622 ) $ 96,642 $ (6,867 ) $ 162,854 $ (8,489 ) $ 259,496 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (2,507 ) $ 27,993 $ (2,507 ) $ 27,993 Mortgage-backed securities - US government agencies (80 ) 2,095 - - (80 ) 2,095 State and political subdivisions (344 ) 11,475 - - (344 ) 11,475 Total securities held to maturity $ (424 ) $ 13,570 $ (2,507 ) $ 27,993 $ (2,931 ) $ 41,563 Total $ (2,046 ) $ 110,212 $ (9,374 ) $ 190,847 $ (11,420 ) $ 301,059 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, 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 $ (89 ) $ 4,479 $ (1,302 ) $ 19,692 $ (1,391 ) $ 24,171 Mortgage-backed securities - US government agencies (1,821 ) 92,851 (4,347 ) 86,268 (6,168 ) 179,119 State and political subdivisions (542 ) 21,536 - - (542 ) 21,536 Corporate bonds (1,719 ) 58,753 (820 ) 14,330 (2,539 ) 73,083 Total securities available for sale $ (4,171 ) $ 177,619 $ (6,469 ) $ 120,290 $ (10,640 ) $ 297,909 Securities Held to Maturity: U.S. government and agency obligations $ - $ - $ (3,311 ) $ 27,190 $ (3,311 ) $ 27,190 Mortgage-backed securities - US government agencies (106 ) 2,630 (46 ) 930 (152 ) 3,560 State and political subdivisions (234 ) 11,238 (463 ) 6,618 (697 ) 17,856 Total securities held to maturity $ (340 ) $ 13,868 $ (3,820 ) $ 34,738 $ (4,160 ) $ 48,606 Total $ (4,511 ) $ 191,487 $ (10,289 ) $ 155,028 $ (14,800 ) $ 346,515
Schedule of amortized cost and fair value of debt securities by contractual maturity	December 31, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 1,703 $ 1,702 $ 8,527 $ 8,334 Due after five through ten years 23,759 23,130 95,221 92,642 Due after ten years 26,587 24,526 23,818 22,925 Total $ 52,049 $ 49,358 $ 127,566 $ 123,901

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	3 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Schedule of loans receivable	December 31, September 30, 2018 2018 (Dollars in Thousands) One-to-four family residential $ 322,525 $ 324,865 Multi-family residential 34,556 34,355 Commercial real estate 113,145 119,511 Construction and land development 147,669 160,228 Loans to financial institutions 6,000 6,000 Commercial business 17,474 17,792 Leases 1,472 1,687 Consumer 898 953 Total loans 643,739 665,391 Undisbursed portion of loans-in-process (47,190 ) (54,474 ) Deferred loan fees (2,871 ) (2,818 ) Allowance for loan losses (5,167 ) (5,167 ) Net loans $ 588,511 $ 602,932
Schedule of loans individually and collectively evaluated for impairment by loan segment	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 December 31, 2018: One- to four - Multi-family Commercial real Construction Commercial Lans to Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for Loan Losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,427 372 1,147 1,445 193 67 16 13 487 5,167 Total ending allowance balance $ 1,427 $ 372 $ 1,147 $ 1,445 $ 193 $ 67 $ 16 $ 13 $ 487 $ 5,167 Loans: Individually evaluated for impairment $ 5,234 $ 293 $ 2,208 $ 8,753 $ - $ - $ - $ 10 $ 16,498 Collectively evaluated for impairment 317,291 34,263 110,937 138,916 17,474 6,000 1,472 888 627,241 Total loans $ 322,525 $ 34,556 $ 113,145 $ 147,669 $ 17,474 $ 6,000 $ 1,472 $ 898 $ 643,739 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, 2018: One- to four - Multi-family Commercial real Construction Commercial Loanss to Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for Loan Losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,343 347 1,154 1,554 187 64 18 18 482 5,167 Total ending allowance balance $ 1,343 $ 347 $ 1,154 $ 1,554 $ 187 $ 64 $ 18 $ 18 $ 482 $ 5,167 Loans: Individually evaluated for impairment $ 5,081 $ 298 $ 1,919 $ 8,750 $ - $ - $ - $ - $ 16,048 Collectively evaluated for impairment 319,784 34,057 117,592 151,478 17,792 6,000 1,687 953 649,343 Total loans $ 324,865 $ 34,355 $ 119,511 $ 160,228 $ 17,792 $ 6,000 $ 1,687 $ 953 $ 665,391
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	The following table presents impaired loans by class as of December 31, 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 $ - $ - $ 5,234 $ 5,234 $ 5,591 Multi-family residential - - 293 293 293 Commercial real estate - - 2,208 2,208 2,367 Construction and land development - - 8,753 8,753 11,134 Consumer - - 10 10 10 Total loans $ - $ - $ 16,498 $ 16,498 $ 19,395 The following table presents impaired loans by class as of September 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 $ - $ - $ 5,081 $ 5,081 $ 5,432 Multi-family - - 298 298 298 Commercial real estate - - 1,919 1,919 2,057 Construction and land development - - 8,750 8,750 11,131 Total loans $ - $ - $ 16,048 $ 16,048 $ 18,918
Schedule of average investment in impaired loans and related interest income recognized	Three Months Ended December 31, 2018 Average Income Income (Dollars in Thousands) One-to-four family residential $ 5,158 $ 15 $ 5 Multi-family residential 296 5 - Commercial real estate 2,064 10 1 Construction and land development 8,752 - - Consumer 5 - - Total loans $ 16,274 $ 30 $ 6 Three Months Ended December 31, 2017 Average Income Income (Dollars in Thousands) One-to-four family residential $ 9,690 $ 34 $ 4 Multi-family residential 315 6 - Commercial real estate 3,051 29 - Construction and land development 8,729 - - Consumer 10 - - Total loans $ 21,795 $ 69 $ 4
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	December 31, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 315,040 $ 2,251 $ 5,234 $ 322,525 Multi-family residential 33,935 328 293 34,556 Commercial real estate 106,805 4,132 2,208 113,145 Construction and land development 138,916 - 8,753 147,669 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,474 - - 17,474 Total loans $ 618,170 $ 6,711 $ 16,488 $ 641,369 September 30, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ 317,033 $ 2,751 $ 5,081 $ 324,865 Multi-family residential 34,057 - 298 34,355 Commercial real estate 115,670 1,922 1,919 119,511 Construction and land development 151,478 - 8,750 160,228 Loans to financial institutions 6,000 - - 6,000 Commercial business 17,792 - - 17,792 Total loans $ 642,030 $ 4,673 $ 16,048 $ 662,751
Schedule of loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing	December 31, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 319,088 $ 3,437 $ 322,525 Leases 1,472 - 1,472 Consumer 898 - 898 Total loans $ 321,458 $ 3,437 $ 324,895 September 30, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 321,853 $ 3,012 $ 324,865 Leases 1,687 - 1,687 Consumer 953 - 953 Total loans $ 324,493 $ 3,012 $ 327,505
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans	December 31, 2018 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 $ 317,547 $ 2,514 $ 2,464 $ 4,978 $ 322,525 $ 3,437 $ - Multi-family residential 34,395 161 - 161 34,556 - - Commercial real estate 111,727 88 1,330 1,418 113,145 1,478 - Construction and land development 138,916 - 8,753 8,753 147,669 8,753 - Commercial business 17,474 - - - 17,474 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,472 - - - 1,472 - - Consumer 841 57 - - 898 - - Total loans $ 628,372 $ 2,820 $ 12,547 $ 15,310 $ 643,739 $ 13,668 $ - September 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 (Dollars in Thousands) One-to-four family residential $ 321,749 $ 1,037 $ 2,079 $ 3,116 $ 324,865 $ 3,012 $ - Multi-family residential 34,355 - - - 34,355 - - Commercial real estate 117,335 722 1,454 2,176 119,511 1,627 - Construction and land development 151,478 - 8,750 8,750 160,228 8,750 - Commercial business 17,792 - - - 17,792 - - Loans to financial institutions 6,000 - - - 6,000 - - Leases 1,687 - - - 1,687 - - Consumer 837 116 - 116 953 - - Total loans $ 651,233 $ 1,875 $ 12,283 $ 14,158 $ 665,391 $ 13,389 $ -
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 December 31, 2018 One- to Multi- Commercial Construction Commercial Loans to Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2018 $ 1,343 $ 347 $ 1,154 $ 1,554 $ 187 $ 64 $ 18 $ 18 $ 482 $ 5,167 Charge-offs - - - - - - - - - - Recoveries - - - - - - - - - - Provision 84 25 (7 ) (109 ) 6 3 (2 ) (5 ) 5 - ALLL balance at December 31, 2018 $ 1,427 $ 372 $ 1,147 $ 1,445 $ 193 $ 67 $ 16 $ 13 $ 487 $ 5,167 Three Months Ended December 31, 2017 One- to Multi- Commercial Construction Commercial Loans to 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 - - - - - - - - - - Recoveries - - - - - - - - - - Provision 29 (47 ) (137 ) 263 22 - (3 ) - 83 210 ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ 26 $ - $ 20 $ 24 $ 493 $ 4,676
Schedule of troubled debt restructurings	As of and for the Three months Ended December 31, 2017 Number of Pre- Post- (Dollars in Thousands) One-to-four family residential 1 $ 77 $ 77 1 $ 77 $ 77

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Schedule of major classifications of deposits	December 31, September 30, 2018 2018 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 65,752 8.7 % $ 66,120 8.4 % Interest-bearing checking accounts 49,273 6.6 % 49,209 6.3 % Non interest-bearing checking accounts 14,306 1.9 % 13,620 1.7 % Passbook, club and statement savings 87,975 11.7 % 91,489 11.7 % Certificates maturing in six months or less 287,001 38.1 % 301,184 38.4 % Certificates maturing in more than six months 248,056 33.0 % 262,636 33.5 % Total $ 752,363 100.0 % $ 784,258 100.0 %

ADVANCES FROM FEDERAL HOME LO_3

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	3 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of short-term borrowings from the FHLB	December 31, September 30, 2018 2018 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Repo Plus 12-Oct-18 2.31 % Not Applicable $ - $ 10,000 Weighted average rate 2.31 % Fixed Rate - Repo Plus 2-Jan-19 2.62 % Not Applicable $ 58,500 $ - Fixed Rate - Repo Plus 14-Jan-19 2.64 % Not Applicable 10,000 - Weighted average rate 2.62 % $ 68,500 $ 10,000

ADVANCES FROM FEDERAL HOME LO_4

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	3 Months Ended
	Dec. 31, 2018
Advances from Federal Home Loan Banks [Abstract]
Schedule of collateral agreement with the FHLB	Lomg-term FHLB Weighted advances: Maturity range average interest Stated interest rate range December 31, September 30, Description from to rate from to 2018 2018 (Dollars in Thousands) Fixed Rate - Amortizing 1-Oct-18 30-Sep-19 1.53 % 1.53 % 1.53 % $ 1,290 $ 1,639 Fixed Rate - Amortizing 1-Oct-20 30-Sep-21 2.68 % 1.94 % 2.83 % 21,077 23,288 Fixed Rate - Amortizing 1-Oct-21 30-Sep-22 2.80 % 1.99 % 3.05 % 11,076 11,848 Fixed Rate - Amortizing 1-Oct-22 30-Sep-23 2.88 % 1.94 % 3.11 % 8,150 8,550 Total 2.72 % $ 41,593 $ 45,325 Fixed Rate - Advances 1-Oct-18 30-Sep-19 2.66 % 1.40 % 2.66 % $ 3,018 $ 18,528 Fixed Rate - Advances 1-Oct-19 30-Sep-20 2.62 % 1.38 % 3.06 % 12,389 12,413 Fixed Rate - Advances 1-Oct-20 30-Sep-21 2.45 % 1.42 % 2.92 % 3,032 3,037 Fixed Rate - Advances 1-Oct-21 30-Sep-22 2.28 % 1.94 % 3.23 % 23,369 23,380 Fixed Rate - Advances 1-Oct-22 30-Sep-23 2.70 % 2.18 % 3.15 % 37,000 37,000 Fixed Rate - Advances 1-Oct-23 30-Sep-24 3.13 % 2.98 % 3.20 % 28,500 5,000 Total 2.71 % $ 107,308 $ 99,358 2.71 % Total $ 148,901 $ 144,683

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Dec. 31, 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 their terms as of December 31, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Loss (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ (144 ) Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (51 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (85 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (154 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (38 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (139 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (93 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (90 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Interest rate swap contract 90 Day wholesale funding 20,000 2.78 % 3 Mth Libor 11-Jan-24 (234 ) Interest rate swap contract 90 Day wholesale funding 15,000 2.75 % 3 Mth Libor 18-Jan-24 (150 ) Total $ (1,178 ) Below is a summary of the interest rate swap agreements and their terms as of September 30, 2018. Hedged Notional Pay Receive Maturity Unrealized Item Amount Rate Rate Date Gain (Loss) (Dollars in thousands) Interest rate swap contract FHLB Advance $ 10,000 2.70 % 1 Mth Libor 10-Apr-25 $ 35 Interest rate swap contract State and political subdivision 1,705 3.06 % 3 Mth Libor 15-Feb-27 (19 ) Interest rate swap contract State and political subdivision 2,825 3.06 % 3 Mth Libor 1-Apr-27 (31 ) Interest rate swap contract State and political subdivision 5,000 3.07 % 3 Mth Libor 1-Jan-28 (57 ) Interest rate swap contract State and political subdivision 1,235 3.07 % 3 Mth Libor 1-Mar-28 (14 ) Interest rate swap contract State and political subdivision 4,500 3.07 % 3 Mth Libor 1-May-28 (52 ) Interest rate swap contract State and political subdivision 3,305 3.05 % 3 Mth Libor 1-Feb-27 (32 ) Interest rate swap contract State and political subdivision 3,000 3.06 % 3 Mth Libor 15-Oct-27 (32 ) Interest rate swap contract Commercial loan 8,300 5.74 % 1 Mth Libor +250 bp 13-Jun-25 - Interest rate swap contract Commercial loan 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 - Total $ (202 )

INCOME TAXES (Tables)

INCOME TAXES (Tables)	3 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes	December 31, September 30, 2018 2018 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,447 $ 1,445 Nonaccrual interest 371 312 Accrued vacation 4 29 Capital loss carryforward 356 356 Split dollar life insurance 8 10 Post-retirement benefits 79 85 Unrealized losses on available for sale securities 1,492 2,212 Unrealized losses on interest rate swaps 111 - Deferred compensation 854 838 Goodwill 77 80 Other 51 55 Employee benefit plans 286 239 Total deferred tax assets 5,136 5,661 Valuation allowance (356 ) (356 ) Total deferred tax assets, net of valuation allowance 4,780 5,305 Deferred tax liabilities: Property 153 179 Unrealized gains on interest rate swaps - 44 Purchase accounting adjustments 102 59 Deferred loan fees 309 368 Total deferred tax liabilities 564 650 Net deferred tax assets $ 4,216 $ 4,655

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	3 Months Ended
	Dec. 31, 2018
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity	Three Months Ended December 31, 2018 Number of Weighted Average Nonvested stock awards at October 1, 2018 116,916 $ 14.36 Granted - - Forfeited - - Vested - - Nonvested stock awards at the December 31, 2018 116,916 $ 14.36 Three Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted - - Forfeited (3,736 ) $ 11.84 Vested - - Nonvested stock awards at the December 31, 2017 138,858 $ 12.82
Schedule of summary of the status of the company' stock options under the stock option plan	Three Months Ended Number of Weighted Average Outstanding at October 1, 2018 869,026 $ 13.32 Granted - - Exercised (4,416 ) 10.77 Forfeited - - Outstanding at December 31, 2018 864,610 $ 13.33 Exercisable at December 31, 2018 447,483 $ 11.46 Three Months Ended Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted - - Exercised (22,171 ) 11.27 Forfeited (8,364 ) 11.76 Outstanding at December 31, 2017 892,029 $ 12.28 Exercisable at December 31, 2017 524,267 $ 11.47

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	3 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets as of December 31, 2018 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 $ - $ 24,464 $ - $ 24,464 State and political subdivisons - 21,938 - 21,938 Mortgage-backed securities - U.S. Government agencies - 269,251 - 269,251 Corporate bonds - 77,499 - 77,499 Equity security - FHLMC preferred stock 28 - - 28 Total $ 28 $ 393,152 $ - $ 393,180 Those assets as of September 30, 2018 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 $ - $ 24,171 $ - $ 24,171 State and political subdivisions - 21,536 - 21,536 Mortgage-backed securities - U.S. Government agencies - 187,360 - 187,360 Corporate bonds - 73,083 - 73,083 Equity security - FHLMC preferred stock 37 - - 37 Interest rate swap contracts - 225 - 225 Total $ 37 $ 306,375 $ - $ 306,412
Schedule of summary of non-recurring fair value measurements	At December 31, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,498 $ 16,498 Real estate owned - - 1,027 1,027 Total $ - $ - $ 17,525 $ 17,525 At September 30, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 16,048 $ 16,048 Real estate owned - - 1,026 1,026 Total $ - $ - $ 17,074 $ 17,074
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy	At December 31, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,498 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Real estate owned $ 1,027 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% discount At September 30, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 16,048 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 8% discount/ 6% Real estate owned $ 1,026 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 18% 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 Carrying Fair December 31, 2018 Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 9,898 $ 9,898 $ 9,898 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 393,152 393,152 - 393,152 - Investment and mortgage-backed securities held to maturity 57,605 54,969 - 54,969 - Equity securities 28 28 28 Loans receivable, net 588,511 581,180 - - 581,180 Accrued interest receivable 4,140 4,140 4,140 - - Restricted Bank stock 10,081 10,081 10,081 - - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 63,579 63,579 63,579 - - Money market deposit accounts 65,752 65,752 65,752 - - Passbook, club and statement savings accounts 87,975 87,975 87,975 - - Certificates of deposit 535,057 540,867 - - 540,867 Advances from FHLB - short-term 68,500 68,500 68,500 - - Advances from FHLB - long-term 148,901 148,901 - - 148,901 Accrued interest payable 1,557 1,557 1,557 - - Advances from borrowers for taxes and Insurance 3,410 3,410 3,410 - - Interest rate swap contracts 517 517 - 517 - Fair Value Measurements at Carrying Fair September 30, 2018 Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 48,171 $ 48,171 $ 48,171 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 306,187 306,187 37 306,150 - Investment and mortgage-backed securities held to maturity 59,852 55,927 - 55,927 - Loans receivable, net 602,932 598,596 - - 598,596 Accrued interest receivable 3,825 3,825 3,825 - - Restricted Bank stock 7,585 7,585 7,585 - - Interest rate swap contracts 225 225 - 225 - Bank owned life insurance 28,691 28,691 28,691 - - Liabilities: Checking accounts 62,886 62,886 62,886 - - Money market deposit accounts 60,686 60,686 60,686 - - Passbook, club and statement savings accounts 96,866 96,866 96,866 - - Certificates of deposit 563,820 569,375 - - 569,375 Accrued interest payable 3,232 3,232 3,232 - - Advances from FHLB -short-term 10,000 10,000 10,000 - - Advances from FHLB -long-term 144,683 141,116 - - 141,116 Advances from borrowers for taxes and Insurance 2,083 2,083 2,083 - -

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	3 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and intangible assets are related to the acquisition of Polonia Bancorp	Balance Balance October 1, Additions/ December 31, Amortization 2018 Adjustments Amortization 2018 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 571 - (33 ) 538 10 years $ 6,673 $ - $ (33 ) $ 6,640
Schedule of future fiscal periods amortization expense for core deposit intangible	(In thousands) 2019 $ 90 2020 108 2021 93 2022 78 2023 64 Thereafter 105 Total $ 538

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals)	3 Months Ended
	Dec. 31, 2018Branch
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 2014-09 Revenue from Contracts with Customers
Significant Accounting Policies [Line Items]
Percent of cumulatively total revenue	98.00%
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
	Dec. 31, 2018	Dec. 31, 2017
Earnings per share - basic
Net income	$ 1,974	$ 34
Weighted average shares outstanding - basic	8,804,096	8,855,116
Effect of common stock equivalents - basic	0	0
Adjusted weighted average shares used in earnings per share computation - basic	8,804,096	8,855,116
Earnings per share - basic (in dollars per share)	$ 0.220	$ 0.004
Earnings per share - diluted
Net income (loss)	$ 1,974	$ 34
Weighted average shares outstanding - diluted	8,804,096	8,855,116
Effect of common stock equivalents - diluted	189,276	357,871
Adjusted weighted average shares used in earnings per share computation - diluted	8,993,372	9,212,987
Earnings per share - diluted (in dollars per share)	$ 0.220	$ 0.004

EARNINGS PER SHARE (Detail Text

EARNINGS PER SHARE (Detail Textuals) - shares	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share [Abstract]
Adjusted weighted average shares of common stock used in diluted earnings per share computation	666,526	890,616
Adjusted weighted average shares of common stock having exercise prices less than the current market value and are considered anti-dilutive	198,084	1,413

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE LOSS - Changes in accumulated other comprehensive (loss) income by component net of tax (Details) - USD ($) $ in Thousands		3 Months Ended
		Dec. 31, 2018	Dec. 31, 2017
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, October 1		$ (8,154)
Total		2,121	$ (702)
Ending balance, December 31		(6,033)
Total accumulated other comprehensive income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, October 1		(8,154)	(760)
Other comprehensive (loss) income before reclassification		2,121	(702)
Total		(6,033)	(1,462)
Reclassification due to change in federal income tax rate		0	(303)
Ending balance, December 31		(6,033)	(1,765)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, October 1	[1]	(8,320)	(1,091)
Other comprehensive (loss) income before reclassification	[1]	2,705	(731)
Total	[1]	(5,615)	(1,822)
Reclassification due to change in federal income tax rate	[1]	0	(303)
Ending balance, December 31	[1]	(5,615)	(2,125)
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, October 1	[1]	166	331
Other comprehensive (loss) income before reclassification	[1]	(584)	29
Total	[1]	(418)	360
Reclassification due to change in federal income tax rate	[1]	0	0
Ending balance, December 31	[1]	$ (418)	$ 360
[1]	All amounts are net of tax. Amounts in parentheses indicate losses.

INVESTMENT AND MORTGAGE-BACKE_3

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	Dec. 31, 2018	Sep. 30, 2018
Securities Available for Sale:
Equity securities, Amortized Cost	$ 6
Equity securities, Fair Value	28
Total securities available for sale, Amortized Cost	400,283	$ 316,719
Total securities available for sale, Gross Unrealized Gains	1,358	108
Total securities available for sale, Gross Unrealized Losses	(8,489)	(10,640)
Total securities available for sale, Fair Value	393,152	306,187
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	25,280	25,562
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(816)	(1,391)
Fair Value	24,464	24,171
State and political subdivisions
Securities Available for Sale:
Amortized Cost	22,717	22,078
Gross Unrealized Gains	69	0
Gross Unrealized Losses	(848)	(542)
Fair Value	21,938	21,536
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Amortized Cost	272,717	193,451
Gross Unrealized Gains	1,029	77
Gross Unrealized Losses	(4,495)	(6,168)
Fair Value	269,251	187,360
Corporate debt securities
Securities Available for Sale:
Amortized Cost	79,569	75,622
Gross Unrealized Gains	260	0
Gross Unrealized Losses	(2,330)	(2,539)
Fair Value	77,499	73,083
Total debt securities available for sale
Securities Available for Sale:
Amortized Cost	400,283	316,713
Gross Unrealized Gains	1,358	77
Gross Unrealized Losses	(8,489)	(10,640)
Fair Value	$ 393,152	306,150
FHLMC preferred stock
Securities Available for Sale:
Equity securities, Amortized Cost		6
Equity securities, Gross Unrealized Gains		31
Equity securities, Gross Unrealized Losses		0
Equity securities, Fair Value		$ 37

INVESTMENT AND MORTGAGE-BACKE_4

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	Dec. 31, 2018	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 57,605	$ 59,852
Gross Unrealized Gains	295	235
Gross unrealized losses	(2,931)	(4,160)
Fair value	54,969	55,927
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	31,500	33,500
Gross Unrealized Gains	102	85
Gross unrealized losses	(2,507)	(3,311)
Fair value	29,095	30,274
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5,556	5,778
Gross Unrealized Gains	135	148
Gross unrealized losses	(80)	(153)
Fair value	5,611	5,773
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	20,549	20,574
Gross Unrealized Gains	58	2
Gross unrealized losses	(344)	(696)
Fair value	$ 20,263	$ 19,880

INVESTMENT AND MORTGAGE-BACKE_5

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	Dec. 31, 2018	Sep. 30, 2018
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (1,622)	$ (4,171)
Less than 12 months - Fair value	96,642	177,619
More than 12 months - Gross Unrealized Losses	(6,867)	(6,469)
More than 12 months - Fair value	162,854	120,290
Gross Unrealized Losses - Total	(8,489)	(10,640)
Fair Value - Total	259,496	297,909
U.S. government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	0	(89)
Less than 12 months - Fair value	0	4,479
More than 12 months - Gross Unrealized Losses	(816)	(1,302)
More than 12 months - Fair value	24,464	19,692
Gross Unrealized Losses - Total	(816)	(1,391)
Fair Value - Total	24,464	24,171
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(638)	(1,821)
Less than 12 months - Fair value	65,310	92,851
More than 12 months - Gross Unrealized Losses	(3,857)	(4,347)
More than 12 months - Fair value	93,540	86,268
Gross Unrealized Losses - Total	(4,495)	(6,168)
Fair Value - Total	158,850	179,119
State and political subdivisions
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(848)	(542)
Less than 12 months - Fair value	16,552	21,536
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(848)	(542)
Fair Value - Total	16,552	21,536
Corporate bonds
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(136)	(1,719)
Less than 12 months - Fair value	14,780	58,753
More than 12 months - Gross Unrealized Losses	(2,194)	(820)
More than 12 months - Fair value	44,850	14,330
Gross Unrealized Losses - Total	(2,330)	(2,539)
Fair Value - Total	$ 59,630	$ 73,083

INVESTMENT AND MORTGAGE-BACKE_6

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	Dec. 31, 2018	Sep. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	$ (424)	$ (340)
Less than 12 Months, Fair Value	13,570	13,868
More than 12 months - Gross Unrealized Losses	(2,507)	(3,820)
12 Months or More, Fair Value	27,993	34,738
Total - Gross Unrealized Losses	(2,931)	(4,160)
Total - Fair Value	41,563	48,606
U.S. Government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	0	0
Less than 12 Months, Fair Value	0	0
More than 12 months - Gross Unrealized Losses	(2,507)	(3,311)
12 Months or More, Fair Value	27,993	27,190
Total - Gross Unrealized Losses	(2,507)	(3,311)
Total - Fair Value	27,993	27,190
Mortgage-backed securities - U.S. government agencies
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(80)	(106)
Less than 12 Months, Fair Value	2,095	2,630
More than 12 months - Gross Unrealized Losses	0	(46)
12 Months or More, Fair Value	0	930
Total - Gross Unrealized Losses	(80)	(152)
Total - Fair Value	2,095	3,560
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Less than 12 months - Gross Unrealized Losses	(344)	(234)
Less than 12 Months, Fair Value	11,475	11,238
More than 12 months - Gross Unrealized Losses	0	(463)
12 Months or More, Fair Value	0	6,618
Total - Gross Unrealized Losses	(344)	(697)
Total - Fair Value	$ 11,475	$ 17,856

INVESTMENT AND MORTGAGE-BACKE_7

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	Dec. 31, 2018	Sep. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Less than 12 months - Gross Unrealized Losses	$ (2,046)	$ (4,511)
Fair Value, Less than 12 Months	110,212	191,487
More than 12 months - Gross Unrealized Losses	(9,374)	(10,289)
Fair Value, 12 Months or More	190,847	155,028
Gross Unrealized Losses -Total	(11,420)	(14,800)
Fair Value - Total	$ 301,059	$ 346,515

INVESTMENT AND MORTGAGE-BACKE_8

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 6) $ in Thousands	Dec. 31, 2018USD ($)
Held to Maturity - Amortized Cost
Due after one through five years	$ 1,703
Due after five through ten years	23,759
Due after ten years	26,587
Total	52,049
Held to Maturity - Fair Value
Due after one through five years	1,702
Due after five through ten years	23,130
Due after ten years	24,526
Total	$ 49,358

INVESTMENT AND MORTGAGE-BACKE_9

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 5) $ in Thousands	Dec. 31, 2018USD ($)
Available for Sale, Amortized Cost
Due after one through five years	$ 8,527
Due after five through ten years	95,221
Due after ten years	23,818
Total	127,566
Available for Sale, Fair Value
Due after one through five years	8,334
Due after five through ten years	92,642
Due after ten years	22,925
Total	$ 123,901

INVESTMENT AND MORTGAGE-BACK_10

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals) $ in Millions	Dec. 31, 2018USD ($)Security
Marketable Securities [Line Items]
Safekeeping account at the FHLB | $	$ 142
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	23
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	56
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	4
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	5

LOANS RECEIVABLE - Summary of L

LOANS RECEIVABLE - Summary of Loans receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017	Sep. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 643,739	$ 665,391
Undisbursed portion of loans-in-process	(47,190)	(54,474)
Deferred loan fees, net	(2,871)	(2,818)
Allowance for loan losses	(5,167)	(5,167)	$ (4,676)	$ (4,466)
Net loans	588,511	602,932
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	322,525	324,865
Allowance for loan losses	(1,427)	(1,343)	(1,270)	(1,241)
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	34,556	34,355
Allowance for loan losses	(372)	(347)	(158)	(205)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	113,145	119,511
Allowance for loan losses	(1,147)	(1,154)	(1,064)	(1,201)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	147,669	160,228
Allowance for loan losses	(1,445)	(1,554)	(1,621)	(1,358)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000	6,000
Allowance for loan losses	(67)	(64)	0	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	17,474	17,792
Allowance for loan losses	(193)	(187)	(26)	(4)
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,472	1,687
Allowance for loan losses	(16)	(18)	(20)	(23)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	898	953
Allowance for loan losses	$ (13)	$ (18)	$ (24)	$ (24)

LOANS RECEIVABLE - Summary of_2

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017	Sep. 30, 2017
Allowance for Loan Losses:
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	5,167	5,167
Total ending allowance balance	5,167	5,167	$ 4,676	$ 4,466
Loans:
Individually evaluated for impairment	16,498	16,048
Collectively evaluated for impairment	627,241	649,343
Total loans	643,739	665,391
One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,427	1,343
Total ending allowance balance	1,427	1,343	1,270	1,241
Loans:
Individually evaluated for impairment	5,234	5,081
Collectively evaluated for impairment	317,291	319,784
Total loans	322,525	324,865
Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	372	347
Total ending allowance balance	372	347	158	205
Loans:
Individually evaluated for impairment	293	298
Collectively evaluated for impairment	34,263	34,057
Total loans	34,556	34,355
Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,147	1,154
Total ending allowance balance	1,147	1,154	1,064	1,201
Loans:
Individually evaluated for impairment	2,208	1,919
Collectively evaluated for impairment	110,937	117,592
Total loans	113,145	119,511
Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,445	1,554
Total ending allowance balance	1,445	1,554	1,621	1,358
Loans:
Individually evaluated for impairment	8,753	8,750
Collectively evaluated for impairment	138,916	151,478
Total loans	147,669	160,228
Commercial business
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	193	187
Total ending allowance balance	193	187	26	4
Loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	17,474	17,792
Total loans	17,474	17,792
Loans to financial institutions
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	67	64
Total ending allowance balance	67	64	0	0
Loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	6,000	6,000
Total loans	6,000	6,000
Leases
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	16	18
Total ending allowance balance	16	18	20	23
Loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,472	1,687
Total loans	1,472	1,687
Consumer
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	13	18
Total ending allowance balance	13	18	24	24
Loans:
Individually evaluated for impairment	10	0
Collectively evaluated for impairment	888	953
Total loans	898	953
Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	487	482
Total ending allowance balance	$ 487	$ 482	$ 493	$ 410

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	Dec. 31, 2018	Sep. 30, 2018
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	16,498	16,048
Total Impaired Loans - Recorded Investment	16,498	16,048
Total impaired loans - Unpaid Principal Balance	19,395	18,918
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	5,234	5,081
Total Impaired Loans - Recorded Investment	5,234	5,081
Total impaired loans - Unpaid Principal Balance	5,591	5,432
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	293	298
Total Impaired Loans - Recorded Investment	293	298
Total impaired loans - Unpaid Principal Balance	293	298
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	2,208	1,919
Total Impaired Loans - Recorded Investment	2,208	1,919
Total impaired loans - Unpaid Principal Balance	2,367	2,057
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	8,753	8,750
Total Impaired Loans - Recorded Investment	8,753	8,750
Total impaired loans - Unpaid Principal Balance	11,134	$ 11,131
Consumer
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
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 16,274	$ 21,795
Income Recognized on Accrual Basis	30	69
Income Recognized on Cash Basis	6	4
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	5,158	9,690
Income Recognized on Accrual Basis	15	34
Income Recognized on Cash Basis	5	4
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	296	315
Income Recognized on Accrual Basis	5	6
Income Recognized on Cash Basis	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	2,064	3,051
Income Recognized on Accrual Basis	10	29
Income Recognized on Cash Basis	1	0
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,752	8,729
Income Recognized on Accrual Basis	0	0
Income Recognized on Cash Basis	0	0
Consumer
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	5	10
Income Recognized on Accrual Basis	0	0
Income Recognized on Cash Basis	$ 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	Dec. 31, 2018	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 643,739	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	322,525	324,865
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	34,556	34,355
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	113,145	119,511
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	147,669	160,228
Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	17,474	17,792
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	898	953
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	641,369	662,751
Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	322,525	324,865
Risk Rating System | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	34,556	34,355
Risk Rating System | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	113,145	119,511
Risk Rating System | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	147,669	160,228
Risk Rating System | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Risk Rating System | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	17,474	17,792
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	618,170	642,030
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	315,040	317,033
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	33,935	34,057
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	106,805	115,670
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	138,916	151,478
Risk Rating System | Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000	6,000
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	17,474	17,792
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,711	4,673
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,251	2,751
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	328	0
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	4,132	1,922
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	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	16,488	16,048
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	5,234	5,081
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	293	298
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,208	1,919
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,753	8,750
Risk Rating System | Substandard | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	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	Dec. 31, 2018	Sep. 30, 2018
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 643,739	$ 665,391
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	322,525	324,865
Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,472	1,687
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	898	953
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	324,895	327,505
Non Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	322,525	324,865
Non Risk Rating System | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,472	1,687
Non Risk Rating System | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	898	953
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	321,458	324,493
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	319,088	321,853
Non Risk Rating System | Performing | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,472	1,687
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	898	953
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,437	3,012
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,437	3,012
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	Dec. 31, 2018	Sep. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 628,372	$ 651,233
Past Due	15,310	14,158
Total Loans	643,739	665,391
Non- Accrual	13,668	13,389
90 Days+ Past Due and Accruing	0	0
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,820	1,875
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	12,547	12,283
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	317,547	321,749
Past Due	4,978	3,116
Total Loans	322,525	324,865
Non- Accrual	3,437	3,012
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	2,514	1,037
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,464	2,079
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	34,395	34,355
Past Due	161	0
Total Loans	34,556	34,355
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	161	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	111,727	117,335
Past Due	1,418	2,176
Total Loans	113,145	119,511
Non- Accrual	1,478	1,627
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	88	722
Commercial real estate | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,330	1,454
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	138,916	151,478
Past Due	8,753	8,750
Total Loans	147,669	160,228
Non- Accrual	8,753	8,750
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	8,753	8,750
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	17,474	17,792
Past Due	0	0
Total Loans	17,474	17,792
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
Loans to financial institutions
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,000	6,000
Past Due	0	0
Total Loans	6,000	6,000
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Loans to financial institutions | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Loans to financial institutions | 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	1,472	1,687
Past Due	0	0
Total Loans	1,472	1,687
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	841	837
Past Due	0	116
Total Loans	898	953
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	57	116
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
	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 5,167	$ 4,466
Charge-offs	0	0
Recoveries	0	0
Provision	0	210
ALLL balance	5,167	4,676
One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,343	1,241
Charge-offs	0	0
Recoveries	0	0
Provision	84	29
ALLL balance	1,427	1,270
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	347	205
Charge-offs	0	0
Recoveries	0	0
Provision	25	(47)
ALLL balance	372	158
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,154	1,201
Charge-offs	0	0
Recoveries	0	0
Provision	(7)	(137)
ALLL balance	1,147	1,064
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,554	1,358
Charge-offs	0	0
Recoveries	0	0
Provision	(109)	263
ALLL balance	1,445	1,621
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	187	4
Charge-offs	0	0
Recoveries	0	0
Provision	6	22
ALLL balance	193	26
Loans to financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	64	0
Charge-offs	0	0
Recoveries	0	0
Provision	3	0
ALLL balance	67	0
Leases
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	18	23
Charge-offs	0	0
Recoveries	0	0
Provision	(2)	(3)
ALLL balance	16	20
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	18	24
Charge-offs	0	0
Recoveries	0	0
Provision	(5)	0
ALLL balance	13	24
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	482	410
Charge-offs	0	0
Recoveries	0	0
Provision	5	83
ALLL balance	$ 487	$ 493

LOANS RECEIVABLE - Troubled deb

LOANS RECEIVABLE - Troubled debt restructurings (Details 8) $ in Thousands	3 Months Ended
	Dec. 31, 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
	Dec. 31, 2018USD ($)Loan	Dec. 31, 2017USD ($)Loan	Mar. 31, 2017USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses	$ 0	$ 210,000
Allowance for Loan and Lease Losses, Write-offs	0	0
Allowance for Loan and Lease Loss, Recovery of Bad Debts	$ 0	$ 0
Number of loans default | Loan	9	1
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 6,000,000
Post-Modification Outstanding Recorded Investment		$ 77,000
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
Amount of TDR loans, default	$ 10,600,000
Write-down amount of TDR loans			$ 1,900,000
Nonperforming | Commercial and residential properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan	1
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 445,000
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans default | Loan	5
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 644,000

DEPOSITS - Major classification

DEPOSITS - Major classifications of deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
Amount
Money market deposit accounts	$ 65,752	$ 66,120
Interest-bearing checking accounts	49,273	49,209
Non interest-bearing checking accounts	14,306	13,620
Passbook, club and statement savings	87,975	91,489
Certificates maturing in six months or less	287,001	301,184
Certificates maturing in more than six months	248,056	262,636
Total deposits	$ 752,363	$ 784,258
Percent
Money market deposit accounts	8.70%	8.40%
Interest-bearing checking accounts	6.60%	6.30%
Non interest-bearing checking accounts	1.90%	1.70%
Passbook, club and statement savings	11.70%	11.70%
Certificates maturing in six months or less	38.10%	38.40%
Certificates maturing in more than six months	33.00%	33.50%
Total	100.00%	100.00%

DEPOSITS (Detail Textuals)

DEPOSITS (Detail Textuals) - USD ($) $ in Millions	Dec. 31, 2018	Sep. 30, 2018
Deposits [Abstract]
Certificates of $250,000 and over	$ 50.9	$ 81.9

ADVANCES FROM FEDERAL HOME LO_5

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.71%	2.71%
Advances from FHLB short-term	$ 68,500	$ 10,000
Weighted average | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.62%	2.31%
Fixed Rate - Repo Plus Maturity Date 12 Oct 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2018
Coupon		2.31%
Call Date		Not Applicable
Advances from FHLB short-term		$ 10,000
Fixed Rate - Repo Plus Maturity Date 2 Jan 19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jan. 2, 2019
Coupon	2.62%
Call Date	Not Applicable
Advances from FHLB short-term	$ 58,500
Fixed Rate - Repo Plus Maturity Date 14 Jan 19 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Jan. 14, 2019
Coupon	2.64%
Call Date	Not Applicable
Advances from FHLB short-term	$ 10,000

ADVANCES FROM FEDERAL HOME LO_6

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Detail Textuals) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 68,500	$ 10,000
Remaining advances were used short term liquidity needs	$ 58,500
Coupon	2.71%	2.71%
Interest Rate Swap Contract
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 10,000	$ 10,000
Coupon	2.70%	2.70%

ADVANCES FROM FEDERAL HOME LO_7

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.71%	2.71%
Long-term Federal Home Loan Bank Advances	$ 148,901	$ 144,683
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 19
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2018	Oct. 1, 2018
Date of maturity to	Sep. 30, 2019	Sep. 30, 2019
Long-term Federal Home Loan Bank Advances	$ 1,290	$ 1,639
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 19 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 19 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 18 to 30 Sep 19 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.53%	1.53%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2020	Sep. 1, 2020
Date of maturity to	Sep. 30, 2021	Sep. 30, 2021
Long-term Federal Home Loan Bank Advances	$ 21,077	$ 23,288
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.83%	2.83%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 20 to 30 Sep 21 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.68%	2.68%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2021	Oct. 1, 2021
Date of maturity to	Sep. 30, 2022	Sep. 30, 2022
Long-term Federal Home Loan Bank Advances	$ 11,076	$ 11,848
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.99%	1.99%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.05%	3.05%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 21 to 30 Sep 22 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.80%	2.80%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 31, 2022	Oct. 1, 2022
Date of maturity to	Sep. 30, 2023	Sep. 30, 2023
Long-term Federal Home Loan Bank Advances	$ 8,150	$ 8,550
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.11%	3.11%
Long-term | Fixed Rate Amortizing Maturity from 1 Oct 22 to 30 Sep 23 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.88%	2.88%
Long-term | Fixed Rate - Amortizing
Federal Home Loan Bank, Advances [Line Items]
Long-term Federal Home Loan Bank Advances	$ 41,593	$ 45,325
Long-term | Fixed Rate - Amortizing | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.72%	2.72%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2018	Oct. 1, 2018
Date of maturity to	Sep. 30, 2019	Sep. 30, 2019
Long-term Federal Home Loan Bank Advances	$ 3,018	$ 18,528
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.40%	1.40%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.66%	2.66%
Long-term | Fixed Rate Advances Maturity from 1 Oct 18 to 30 Sep 19 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.66%	2.66%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2019	Oct. 1, 2019
Date of maturity to	Sep. 30, 2020	Sep. 30, 2020
Long-term Federal Home Loan Bank Advances	$ 12,389	$ 12,413
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.38%	1.38%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.06%	3.06%
Long-term | Fixed Rate Advances Maturity from 1 Oct 19 to 30 Sep 20 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.62%	2.62%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 31, 2020	Oct. 1, 2020
Date of maturity to	Sep. 30, 2021	Sep. 30, 2021
Long-term Federal Home Loan Bank Advances	$ 3,032	$ 3,037
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.42%	1.42%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.92%	2.92%
Long-term | Fixed Rate Advances Maturity from 1 Oct 20 to 30 Sep 21 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.45%	2.45%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2021	Oct. 1, 2021
Date of maturity to	Sep. 30, 2022	Sep. 30, 2022
Long-term Federal Home Loan Bank Advances	$ 23,369	$ 23,380
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.94%	1.94%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.23%	3.23%
Long-term | Fixed Rate Advances Maturity from 1 Oct 21 to 30 Sep 22 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.28%	2.28%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2022	Oct. 1, 2022
Date of maturity to	Sep. 30, 2023	Sep. 30, 2023
Long-term Federal Home Loan Bank Advances	$ 37,000	$ 37,000
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.18%	2.18%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.15%	3.15%
Long-term | Fixed Rate Advances Maturity from 1 Oct 22 to 30 Sep 23 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.70%	2.70%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24
Federal Home Loan Bank, Advances [Line Items]
Date of maturity from	Oct. 1, 2023	Oct. 1, 2023
Date of maturity to	Sep. 30, 2024	Sep. 30, 2024
Long-term Federal Home Loan Bank Advances	$ 28,500	$ 5,000
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Minimum
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.98%	2.98%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Maximum
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.20%	3.20%
Long-term | Fixed Rate Advances Maturity from 1 Oct 23 to 30 Sep 24 | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	3.13%	3.13%
Long-term | Long-term FHLB advances
Federal Home Loan Bank, Advances [Line Items]
Long-term Federal Home Loan Bank Advances	$ 107,308	$ 99,358
Long-term | Long-term FHLB advances | Weighted Average
Federal Home Loan Bank, Advances [Line Items]
Coupon	2.71%	2.71%

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018
Derivative [Line Items]
Unrealized Gain (Loss)	$ (1,178)	$ (202)
Interest rate swap contract maturing on 10 April 2025
Derivative [Line Items]
Hedge Item	FHLB Advance	FHLB Advance
Notional Amount	$ 10,000	$ 10,000
Pay Rate	2.70%	2.70%
Receive Rate	1 Mth Libor	1 Mth Libor
Maturity Date	Apr. 10, 2025	Apr. 10, 2025
Unrealized Gain (Loss)	$ (144)	$ 35
Interest rate swap contract maturing on 15 February 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 1,705	$ 1,705
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Feb. 15, 2027	Feb. 15, 2027
Unrealized Gain (Loss)	$ (51)	$ (19)
Interest rate swap contract maturing on 1 April 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 2,825	$ 2,825
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Apr. 1, 2027	Apr. 1, 2027
Unrealized Gain (Loss)	$ (85)	$ (31)
Interest rate swap contract maturing on 1 January 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 5,000	$ 5,000
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Jan. 1, 2028	Jan. 1, 2028
Unrealized Gain (Loss)	$ (154)	$ (57)
Interest rate swap contract maturing on 1 March 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 1,235	$ 1,235
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Mar. 1, 2028	Mar. 1, 2028
Unrealized Gain (Loss)	$ (38)	$ (14)
Interest rate swap contract maturing on 1 May 2028
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 4,500	$ 4,500
Pay Rate	3.07%	3.07%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	May 1, 2028	May 1, 2028
Unrealized Gain (Loss)	$ (139)	$ (52)
Interest rate swap contract maturing on 1 February 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 3,305	$ 3,305
Pay Rate	3.05%	3.05%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Feb. 1, 2027	Feb. 1, 2027
Unrealized Gain (Loss)	$ (93)	$ (32)
Interest rate swap contract maturing on 15 October 2027
Derivative [Line Items]
Hedge Item	State and political subdivision	State and political subdivision
Notional Amount	$ 3,000	$ 3,000
Pay Rate	3.06%	3.06%
Receive Rate	3 Mth Libor	3 Mth Libor
Maturity Date	Oct. 15, 2027	Oct. 15, 2027
Unrealized Gain (Loss)	$ (90)	$ (32)
Interest rate swap contract maturing on 13 Jun 2025
Derivative [Line Items]
Hedge Item	Commercial loan	Commercial loan
Notional Amount	$ 8,300	$ 8,300
Pay Rate	5.74%	5.74%
Receive Rate	1 Mth Libor +250 bp	1 Mth Libor +250 bp
Maturity Date	Jun. 13, 2025	Jun. 13, 2025
Unrealized Gain (Loss)	$ 0	$ 0
Interest rate swap contract maturing on 1 Aug 2026
Derivative [Line Items]
Hedge Item	Commercial loan	Commercial loan
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	$ 0
Interest rate swap contract maturing on 11 Jan 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 20,000
Pay Rate	2.78%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 11, 2024
Unrealized Gain (Loss)	$ (234)
Interest rate swap contract maturing on 18 Jan 24
Derivative [Line Items]
Hedge Item	90 Day wholesale funding
Notional Amount	$ 15,000
Pay Rate	2.75%
Receive Rate	3 Mth Libor
Maturity Date	Jan. 18, 2024
Unrealized Gain (Loss)	$ (150)

DERIVATIVES (Detail Textuals)

DERIVATIVES (Detail Textuals) - USD ($)	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Sep. 30, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest rate swap agreements outstanding amount	$ 10,000,000		$ 10,000,000
Income recognized as ineffectiveness through earnings	$ 3,000	$ 42,000

INCOME TAXES - Items that gave

INCOME TAXES - Items that gave rise to significant portions of deferred income taxes (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
Deferred tax assets:
Allowance for loan losses	$ 1,447	$ 1,445
Nonaccrual interest	371	312
Accrued vacation	4	29
Capital loss carryforward	356	356
Split dollar life insurance	8	10
Post-retirement benefits	79	85
Unrealized losses on available for sale securities	1,492	2,212
Unrealized losses on interest rate swaps	111	0
Deferred compensation	854	838
Goodwill	77	80
Other	51	55
Employee benefit plans	286	239
Total deferred tax assets	5,136	5,661
Valuation allowance	(356)	(356)
Total deferred tax assets, net of valuation allowance	4,780	5,305
Deferred tax liabilities:
Property	153	179
Unrealized gains on interest rate swaps	0	44
Purchase accounting adjustments	102	59
Deferred loan fees	309	368
Total deferred tax liabilities	564	650
Net deferred tax assets	$ 4,216	$ 4,655

INCOME TAXES (Detail Textuals)

INCOME TAXES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Sep. 30, 2018
Income Taxes [Line Items]
Valuation allowance	$ 356		$ 356
Income tax expense	429	$ 2,264
TCJA remeasurement of deferred tax assets	$ 1,800
Period of capital gains recognized	5 years
Tax at statutory rate	24.25%
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	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Number of Shares
Nonvested stock awards at October 1, 2018	116,916	142,594
Granted	0	0
Forfeited	0	(3,736)
Vested	0	0
Nonvested stock awards at the December 31, 2018	116,916	138,858
Weighted Average Grant Date Fair Value
Nonvested stock awards at October 1	$ 14.36	$ 12.79
Granted	0	0
Forfeited	0	11.84
Vested	0	0
Nonvested stock awards at the December 31	$ 14.36	$ 12.82

STOCK COMPENSATION PLANS - Su_2

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details 1) - 2008 Option Plan and 2014 SIP - Stock Options - $ / shares	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Number of Shares
Outstanding at October 1	869,026	922,564
Granted	0	0
Exercised	(4,416)	(22,171)
Forfeited	0	(8,364)
Outstanding at December 31	864,610	892,029
Exercisable at December 31	447,483	524,267
Weighted Average Exercise Price
Outstanding at October 1	$ 13.32	$ 12.04
Granted	0	0
Exercised	10.77	11.27
Forfeited	0	11.76
Outstanding at December 31	13.33	12.28
Exercisable at December 31	$ 11.46	$ 11.47

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Detail Textuals) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		3 Months Ended
	Mar. 31, 2018	Aug. 31, 2016	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			0	0
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 (Det_2

STOCK COMPENSATION PLANS (Detail Textuals 1) - USD ($)	1 Months Ended					3 Months Ended
	Mar. 31, 2018	May 30, 2017	Mar. 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted						0	0
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
Number of vested options						524,267
Number of shares purchased for award				18,867
2014 Stock Incentive Plan (the "2014 SIP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted		24,717	17,128	3,027
2014 Stock Incentive Plan (the "2014 SIP") | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares for issuance pursuant to options						714,145
Number of shares granted			22,828	8,633
2014 Stock Incentive Plan (the "2014 SIP") | 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					235,500
2008 RRP and 2014 SIP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares purchased for award					605,000
Number of shares granted	18,291
2008 RRP and 2014 SIP | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options						5 years
Recognized compensation expense						$ 157,000	$ 151,000
Additional compensation expense for shares awarded remained unrecognized						1,200,000
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	159,265
Recognized compensation expense						150,000	$ 137,000
Additional compensation expense for shares awarded remained unrecognized						$ 1,200,000

STOCK COMPENSATION PLANS (Det_3

STOCK COMPENSATION PLANS (Detail Textuals 2) - USD ($)	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding	6 years 2 months 12 days
Exercise price and fair value	$ 18.46
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense	$ 150,000	$ 137,000
Additional compensation expense for shares awarded remained unrecognized	$ 1,200,000
Weighted average period for recognition of nonvested awards	1 year 9 months 18 days
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 LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 1,500
Aggregate undisbursed portion of loans-in-process	47,190	$ 54,474
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	39,700	40,400
Aggregate undisbursed portion of loans-in-process	$ 55,900	$ 54,500
Loan Origination Commitments | Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	5.50%	4.25%
Loan Origination Commitments | Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	6.50%	6.25%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 56,700	$ 51,900
Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	$ 1,600	$ 1,600

FAIR VALUE MEASUREMENT - Assets

FAIR VALUE MEASUREMENT - Assets measured at fair value on recurring basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018
Assets:
Assets, Total	$ 393,180	$ 306,412
Level 1
Assets:
Assets, Total	28	37
Level 2
Assets:
Assets, Total	393,152	306,375
Level 3
Assets:
Assets, Total	0	0
U.S. Government and agency obligations
Assets:
Assets, Total	24,464	24,171
U.S. Government and agency obligations | Level 1
Assets:
Assets, Total	0	0
U.S. Government and agency obligations | Level 2
Assets:
Assets, Total	24,464	24,171
U.S. Government and agency obligations | Level 3
Assets:
Assets, Total	0	0
State and political subdivisions
Assets:
Assets, Total	21,938	21,536
State and political subdivisions | Level 1
Assets:
Assets, Total	0	0
State and political subdivisions | Level 2
Assets:
Assets, Total	21,938	21,536
State and political subdivisions | Level 3
Assets:
Assets, Total	0	0
Mortgage-backed securities - U.S. government agencies
Assets:
Assets, Total	269,251	187,360
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	269,251	187,360
Mortgage-backed securities - U.S. government agencies | Level 3
Assets:
Assets, Total	0	0
Corporate bonds
Assets:
Assets, Total	77,499	73,083
Corporate bonds | Level 1
Assets:
Assets, Total	0	0
Corporate bonds | Level 2
Assets:
Assets, Total	77,499	73,083
Corporate bonds | Level 3
Assets:
Assets, Total	0	0
Equity security - FHLMC preferred stock
Assets:
Assets, Total	28	37
Equity security - FHLMC preferred stock | Level 1
Assets:
Assets, Total	28	37
Equity security - FHLMC preferred stock | Level 2
Assets:
Assets, Total	0	0
Equity security - FHLMC preferred stock | Level 3
Assets:
Assets, Total	$ 0	0
Interest rate swap contracts
Assets:
Assets, Total		225
Interest rate swap contracts | Level 1
Assets:
Assets, Total		0
Interest rate swap contracts | Level 2
Assets:
Assets, Total		225
Interest rate swap contracts | Level 3
Assets:
Assets, 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	Dec. 31, 2018	Sep. 30, 2018
Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 16,498	$ 16,048
Real estate owned	1,027	1,026
Total	17,525	17,074
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	16,498	16,048
Real estate owned	1,027	1,026
Total	$ 17,525	$ 17,074

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		Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans		$ 16,498	$ 16,048
Real estate owned		1,027	1,026
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans		16,498	16,048
Real estate owned		$ 1,027	$ 1,026
Level 3 | 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 measurement input (in percent)	[1],[2],[3]	6	6
Level 3 | 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 measurement input (in percent)	[1],[2],[3]	8	8
Level 3 | 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 measurement input (in percent)	[1],[2],[3]	6	6
Real estate owned measurement input (in percent)	[1],[2],[3]	18	18
[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 - Asse_2

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	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017	Sep. 30, 2017
Assets:
Cash and cash equivalents	$ 9,898	$ 48,171	$ 16,659	$ 27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	393,152	306,187
Investment and mortgage-backed securities held to maturity	57,605	59,852
Loans receivable, net	588,511	602,932
Accrued interest receivable	4,140	3,825
Restricted Bank stock	10,081	7,585
Bank owned life insurance	28,048	28,691
Liabilities:
Passbook, club and statement savings accounts	87,975	91,489
Advances from FHLB short-term	68,500	10,000
Advances from FHLB long-term	148,901	144,683
Accrued interest payable	1,557	3,232
Advances from borrowers for taxes and insurance	3,410	2,083
Carrying Amount
Assets:
Cash and cash equivalents	9,898	48,171
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	393,152	306,187
Investment and mortgage-backed securities held to maturity	57,605	59,852
Equity securities	28
Loans receivable, net	588,511	602,932
Accrued interest receivable	4,140	3,825
Restricted Bank stock	10,081	7,585
Interest rate swap contracts		225
Bank owned life insurance	28,048	28,691
Liabilities:
Checking accounts	63,579	62,886
Money market deposit accounts	65,752	60,686
Passbook, club and statement savings accounts	87,975	96,866
Certificates of deposit	535,057	563,820
Advances from FHLB short-term	68,500	10,000
Advances from FHLB long-term	148,901	144,683
Accrued interest payable	1,557	3,232
Advances from borrowers for taxes and insurance	3,410	2,083
Interest rate swap contracts	517
Fair Value
Assets:
Cash and cash equivalents	9,898	48,171
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	393,152	306,187
Investment and mortgage-backed securities held to maturity	54,969	55,927
Equity securities	28
Loans receivable, net	581,180	598,596
Accrued interest receivable	4,140	3,825
Restricted Bank stock	10,081	7,585
Interest rate swap contracts		225
Bank owned life insurance	28,048	28,691
Liabilities:
Checking accounts	63,579	62,886
Money market deposit accounts	65,752	60,686
Passbook, club and statement savings accounts	87,975	96,866
Certificates of deposit	540,867	569,375
Advances from FHLB short-term	68,500	10,000
Advances from FHLB long-term	148,901	141,116
Accrued interest payable	1,557	3,232
Advances from borrowers for taxes and insurance	3,410	2,083
Interest rate swap contracts	517
Level 1
Assets:
Cash and cash equivalents	9,898	48,171
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	0	37
Investment and mortgage-backed securities held to maturity	0	0
Equity securities	28
Loans receivable, net	0	0
Accrued interest receivable	4,140	3,825
Restricted Bank stock	10,081	7,585
Interest rate swap contracts		0
Bank owned life insurance	28,048	28,691
Liabilities:
Checking accounts	63,579	62,886
Money market deposit accounts	65,752	60,686
Passbook, club and statement savings accounts	87,975	96,866
Certificates of deposit	0	0
Advances from FHLB short-term	68,500	10,000
Advances from FHLB long-term	0	0
Accrued interest payable	1,557	3,232
Advances from borrowers for taxes and insurance	3,410	2,083
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	393,152	306,150
Investment and mortgage-backed securities held to maturity	54,969	55,927
Equity securities	0
Loans receivable, net	0	0
Accrued interest receivable	0	0
Restricted Bank stock	0	0
Interest rate swap contracts		225
Bank owned life insurance	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	0	0
Advances from FHLB short-term	0	0
Advances from FHLB long-term	0	0
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	0	0
Interest rate swap contracts	517
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
Equity securities	0
Loans receivable, net	581,180	598,596
Accrued interest receivable	0	0
Restricted Bank stock	0	0
Interest rate swap contracts		0
Bank owned life insurance	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	540,867	569,375
Advances from FHLB short-term	0	0
Advances from FHLB long-term	148,901	141,116
Accrued interest payable	0	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	Dec. 31, 2018USD ($)
Level 2
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$ 16.5

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Related to acquisition of Polonia Bancorp (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Goodwill [Roll Forward]
Balance, Goodwill	$ 6,102
Balance, Goodwill	6,102
Finite-lived Intangible Assets [Roll Forward]
Balance	538
Intangible Assets Net Including Goodwill [Roll Forward]
Amortization	(33)	$ (37)
Polonia Bancorp
Goodwill [Roll Forward]
Balance, Goodwill	6,102
Additions/Adjustments	0
Balance, Goodwill	6,102
Intangible Assets Net Including Goodwill [Roll Forward]
Balance, Total	6,673
Additions/Adjustments	0
Amortization	(33)
Balance, Total	6,640
Polonia Bancorp | Core deposit intangible
Finite-lived Intangible Assets [Roll Forward]
Balance	571
Additions/Adjustments	0
Amortization	(33)
Balance	$ 538
Amortization Period	10 years

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details 1) $ in Thousands	Dec. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2,019	$ 90
2,020	108
2,021	93
2,022	78
2,023	64
Thereafter	105
Total	$ 538