Kearny Financial (KRNY) 10-Q 7 May 24 2024 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Mar. 31, 2024	Apr. 30, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Document Transition Report	false
Entity File Number	001-37399
Entity Registrant Name	KEARNY FINANCIAL CORP.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	30-0870244
Entity Address, Address Line One	120 Passaic Ave.
Entity Address, City or Town	Fairfield
Entity Address, State or Province	NJ
Entity Address, Postal Zip Code	07004
City Area Code	973
Local Phone Number	244-4500
Title of 12(b) Security	Common Stock, $0.01 par value
Trading Symbol	KRNY
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		64,436,995
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Entity Central Index Key	0001617242
Amendment Flag	false

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Assets
Cash and amounts due from depository institutions	$ 16,162	$ 21,795
Interest-bearing deposits in other banks	54,865	48,720
Cash and cash equivalents	71,027	70,515
Investment securities available for sale (amortized cost of $1,232,173 and $1,383,867, respectively)	1,098,655	1,227,729
Investment securities held to maturity (fair value of $123,576 and $131,169, respectively)	139,643	146,465
Loans held-for-sale	4,117	9,591
Loans receivable	5,758,336	5,829,421
Less: allowance for credit losses on loans	(44,930)	(48,734)
Net loans receivable	5,713,406	5,780,687
Premises and equipment	45,053	48,309
Federal Home Loan Bank (“FHLB”) of New York stock	81,347	71,734
Accrued interest receivable	31,065	28,133
Goodwill	210,895	210,895
Core deposit intangibles	2,057	2,457
Bank owned life insurance	296,493	292,825
Deferred income tax assets, net	47,225	51,973
Other real estate owned	0	12,956
Other assets	100,989	110,546
Total Assets	7,841,972	8,064,815
Deposits:
Non-interest-bearing	586,089	609,999
Interest-bearing	4,622,961	5,019,184
Total deposits	5,209,050	5,629,183
Borrowings	1,722,178	1,506,812
Advance payments by borrowers for taxes	17,387	18,338
Other liabilities	44,279	41,198
Total Liabilities	6,992,894	7,195,531
Stockholders' Equity
Preferred stock, $0.01 par value, 100,000,000 shares authorized; none issued and outstanding	0	0
Common stock, $0.01 par value; 800,000,000 shares authorized; 64,436,995 shares and 65,864,075 shares issued and outstanding, respectively	644	659
Paid-in capital	493,187	503,332
Retained earnings	440,308	457,611
Unearned employee stock ownership plan shares; 2,207,675 shares and 2,358,198 shares, respectively	(21,402)	(22,862)
Accumulated other comprehensive loss	(63,659)	(69,456)
Total Stockholders' Equity	849,078	869,284
Total Liabilities and Stockholders' Equity	$ 7,841,972	$ 8,064,815

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Statement of Financial Position [Abstract]
Available-for-sale, amortized cost	$ 1,232,173	$ 1,383,867
Held-to-maturity, fair value	$ 123,576	$ 131,169
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, authorized (in shares)	100,000,000	100,000,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized (shares)	800,000,000	800,000,000
Common stock, issued (in shares)	64,436,995	65,864,075
Common stock, outstanding (in shares)	64,436,995	65,864,075
Unearned employee stock ownership plan shares (in shares)	2,207,675	2,358,198

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Interest Income
Loans	$ 64,035	$ 60,172	$ 190,188	$ 171,103
Taxable investment securities	15,490	15,459	48,511	39,119
Tax-exempt investment securities	85	99	256	603
Other interest-earning assets	2,475	1,441	6,923	3,207
Total Interest Income	82,085	77,171	245,878	214,032
Interest Expense
Deposits	32,320	22,246	90,227	51,937
Borrowings	15,446	12,554	46,333	26,410
Total Interest Expense	47,766	34,800	136,560	78,347
Net Interest Income	34,319	42,371	109,318	135,685
Provision for credit losses	349	451	2,699	2,792
Net Interest Income after Provision for Credit Losses	33,970	41,920	106,619	132,893
Non-Interest Income
Fees and service charges	657	910	2,029	2,407
Loss on sale and call of securities	0	0	(18,135)	(15,227)
Loss on sale of loans	(712)	(2,373)	(393)	(1,844)
Loss on write down of other real estate owned	0	0	(974)	0
Income from bank owned life insurance	3,039	1,581	5,867	7,040
Electronic banking fees and charges	464	457	1,227	1,360
Other income	755	1,071	2,580	5,349
Total Non-Interest Income	4,203	1,646	(7,799)	(915)
Non-Interest Expense
Salaries and employee benefits	16,911	18,005	51,954	58,274
Net occupancy expense of premises	2,863	3,097	8,295	9,174
Equipment and systems	3,823	3,537	11,438	11,066
Advertising and marketing	387	413	916	1,891
Federal deposit insurance premium	1,429	1,546	4,448	3,678
Directors' compensation	360	340	1,146	1,019
Other expense	3,286	3,414	10,403	9,888
Total Non-Interest Expense	29,059	30,352	88,600	94,990
Income before Income Taxes	9,114	13,214	10,220	36,988
Income tax expense	1,717	2,902	6,808	8,190
Net Income	$ 7,397	$ 10,312	$ 3,412	$ 28,798
Net Income per Common Share (EPS)
Basic (in dollars per share)	$ 0.12	$ 0.16	$ 0.06	$ 0.44
Diluted (in dollars per share)	$ 0.12	$ 0.16	$ 0.06	$ 0.44
Weighted Average Number of Common Shares Outstanding
Basic (in shares)	62,205	64,769	62,507	65,181
Diluted (in shares)	62,211	64,783	62,507	65,191

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Net Income	$ 7,397	$ 10,312	$ 3,412	$ 28,798
Other Comprehensive Income (Loss) , net of tax:
Net unrealized (loss) gain on securities available for sale	(6,449)	6,903	3,225	(27,299)
Net realized loss on sale and call of securities available for sale	0	0	12,876	10,811
Fair value adjustments on derivatives	6,630	(10,931)	(10,206)	(806)
Benefit plan adjustments	(10)	(4)	(98)	(32)
Total Other Comprehensive Income (Loss)	171	(4,032)	5,797	(17,326)
Total Comprehensive Income	$ 7,568	$ 6,280	$ 9,209	$ 11,472

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Paid-In Capital	Retained Earnings	Unearned ESOP Shares	Accumulated Other Comprehensive Loss
Balance at beginning of period (in shares) at Jun. 30, 2022		68,666,000
Balance at beginning of period at Jun. 30, 2022	$ 894,000	$ 687	$ 528,396	$ 445,451	$ (24,807)	$ (55,727)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	28,798			28,798
Other comprehensive income (loss), net of income tax	(17,326)					(17,326)
ESOP shares committed to be released	1,564		105		1,459
Stock repurchases (in shares)		(2,008,000)
Stock repurchases	(21,130)	$ (21)	(21,109)
Issuance of stock under stock benefit plans (in shares)		61,000
Issuance of stock under stock benefit plans	0	$ 1	(1)
Stock-based compensation expense	2,407		2,407
Cancellation of shares issued for restricted stock awards (in shares)		(39,000)
Cancellation of shares issued for restricted stock awards	(439)		(439)
Cash dividends declared	(21,644)			(21,644)
Balance at end of period (in shares) at Mar. 31, 2023		66,680,000
Balance at end of period at Mar. 31, 2023	866,230	$ 667	509,359	452,605	(23,348)	(73,053)
Balance at beginning of period (in shares) at Dec. 31, 2022		67,388,000
Balance at beginning of period at Dec. 31, 2022	872,640	$ 674	515,332	449,489	(23,834)	(69,021)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	10,312			10,312
Other comprehensive income (loss), net of income tax	(4,032)					(4,032)
ESOP shares committed to be released	485		(1)		486
Stock repurchases (in shares)		(698,000)
Stock repurchases	(6,692)	$ (7)	(6,685)
Stock-based compensation expense	811		811
Cancellation of shares issued for restricted stock awards (in shares)		(10,000)
Cancellation of shares issued for restricted stock awards	(98)		(98)
Cash dividends declared	(7,196)			(7,196)
Balance at end of period (in shares) at Mar. 31, 2023		66,680,000
Balance at end of period at Mar. 31, 2023	$ 866,230	$ 667	509,359	452,605	(23,348)	(73,053)
Balance at beginning of period (in shares) at Jun. 30, 2023	65,864,075	65,864,000
Balance at beginning of period at Jun. 30, 2023	$ 869,284	$ 659	503,332	457,611	(22,862)	(69,456)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	3,412			3,412
Other comprehensive income (loss), net of income tax	5,797					5,797
ESOP shares committed to be released	1,123		(337)		1,460
Stock repurchases (in shares)		(1,505,000)
Stock repurchases	(11,240)	$ (15)	(11,225)
Issuance of stock under stock benefit plans (in shares)		133,000
Issuance of stock under stock benefit plans	0	$ 1	(1)
Stock-based compensation expense	1,887		1,887
Cancellation of shares issued for restricted stock awards (in shares)		(55,000)
Cancellation of shares issued for restricted stock awards	(470)	$ (1)	(469)
Cash dividends declared	$ (20,715)			(20,715)
Balance at end of period (in shares) at Mar. 31, 2024	64,436,995	64,437,000
Balance at end of period at Mar. 31, 2024	$ 849,078	$ 644	493,187	440,308	(21,402)	(63,659)
Balance at beginning of period (in shares) at Dec. 31, 2023		64,445,000
Balance at beginning of period at Dec. 31, 2023	847,978	$ 645	493,297	439,755	(21,889)	(63,830)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	7,397			7,397
Other comprehensive income (loss), net of income tax	171					171
ESOP shares committed to be released	352		(135)		487
Stock-based compensation expense	95		95
Cancellation of shares issued for restricted stock awards (in shares)		(8,000)
Cancellation of shares issued for restricted stock awards	(71)	$ (1)	(70)
Cash dividends declared	$ (6,844)			(6,844)
Balance at end of period (in shares) at Mar. 31, 2024	64,436,995	64,437,000
Balance at end of period at Mar. 31, 2024	$ 849,078	$ 644	$ 493,187	$ 440,308	$ (21,402)	$ (63,659)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]
ESOP shares committed to be released (in shares)	50,000	50,000	150,000	150,000
Cash dividends declared (in dollars per share)	$ 0.11	$ 0.11	$ 0.33	$ 0.33

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash Flows from Operating Activities:
Net Income	$ 3,412	$ 28,798
Adjustment to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	3,590	4,353
Net accretion of yield adjustments	(2,038)	(4,306)
Deferred income taxes	2,438	3,150
Amortization of intangible assets	400	430
Accretion of benefit plans’ unrecognized net gain	(139)	(44)
Provision for credit losses	2,699	2,792
Loss on write down of other real estate owned	974	0
Loans originated for sale	(53,979)	(76,852)
Proceeds from sale of mortgage loans held-for-sale	69,814	101,054
Gain on sale of mortgage loans held-for-sale, net	393	1,899
Realized loss on sale/call of investment securities available for sale	18,135	15,227
Realized gain on sale of loans receivable	0	(55)
Realized gain on disposition of premises and equipment	(11)	(2,886)
Increase in cash surrender value of bank owned life insurance	(5,867)	(7,040)
ESOP and stock-based compensation expense	3,010	3,971
Increase in interest receivable	(2,932)	(8,328)
(Increase) decrease in other assets	(6,004)	93
Increase in interest payable	466	9,073
Increase (decrease) in other liabilities	2,352	(13,428)
Net Cash Provided by Operating Activities	36,713	57,901
Purchases of:
Investment securities available for sale	(64,000)	(166,483)
Investment securities held to maturity	(300)	(40,398)
Proceeds from:
Repayments/calls/maturities of investment securities available for sale	94,129	100,149
Repayments/calls/maturities of investment securities held to maturity	7,019	8,831
Sales of investment securities available for sale	104,083	105,199
Purchase of loans	(60,341)	(702)
Net decrease (increase) in loans receivable	118,330	(559,794)
Proceeds from sale of loans receivable	0	706
Purchase of interest rate contracts	(887)	(758)
Proceeds from the sale of other real estate owned	11,982	0
Additions to premises and equipment	(323)	(1,255)
Proceeds from death benefit of bank owned life insurance	1,900	4,997
Net surrender of bank owned life insurance	299	0
Proceeds from cash settlement of premises and equipment	0	3,480
Purchase of FHLB stock	(54,544)	(84,310)
Redemption of FHLB stock	44,931	55,135
Net Cash Provided by (Used in) Investing Activities	202,278	(575,203)
Cash Flows from Financing Activities:
Net decrease in deposits	(420,105)	(58,613)
Repayment of term FHLB advances	(4,475,000)	(4,615,000)
Proceeds from term FHLB advances and other borrowings	4,650,000	5,120,000
Net increase in other short-term borrowings	40,000	205,000
Net (decrease) increase in advance payments by borrowers for taxes	(951)	1,960
Repurchase and cancellation of common stock of Kearny Financial Corp.	(11,240)	(21,130)
Cancellation of shares repurchased on vesting to pay taxes	(470)	(439)
Dividends paid	(20,713)	(21,523)
Net Cash (Used in) Provided by Financing Activities	(238,479)	610,255
Net Increase in Cash and Cash Equivalents	512	92,953
Cash and Cash Equivalents - Beginning	70,515	101,615
Cash and Cash Equivalents - Ending	71,027	194,568
Cash paid during the period for:
Income taxes, net of refunds	4,819	8,618
Interest	136,094	69,707
Non-cash investing and financing activities:
Acquisition of other real estate owned in settlement of loans	0	13,232
Transfers from loans receivable to loans held-for-sale	$ 10,754	$ 2,628

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation The unaudited consolidated financial statements include the accounts of Kearny Financial Corp. (the “Company”), its wholly-owned subsidiary, Kearny Bank (the “Bank”) and the Bank’s wholly-owned subsidiaries. The Company conducts its business principally through the Bank. Management prepared the unaudited consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”), including the elimination of all significant inter-company accounts and transactions during consolidation. Basis of Presentation The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include the information or footnotes necessary for a complete presentation of financial condition, income, comprehensive income, changes in stockholders’ equity and cash flows in conformity with GAAP. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the unaudited consolidated financial statements have been included. The results of operations for the nine months ended March 31, 2024 are not necessarily indicative of the results that may be expected for the entire fiscal year or any other period. The data in the Consolidated Statement of Financial Condition at June 30, 2023 was derived from the Company’s 2023 Annual Report on Form 10-K. That data, along with the interim unaudited financial information presented in the Consolidated Statements of Financial Condition, Income, Comprehensive Income, Changes in Stockholders’ Equity and Cash Flows should be read in conjunction with the audited consolidated financial statements, including the notes thereto, included in the Company’s 2023 Annual Report on Form 10-K. The accounting and reporting policies of the Company conform to U.S. GAAP and to general practice within the financial services industry. A discussion of these policies can be found in Note 1, Summary of Significant Accounting Policies, included in the Company’s 2023 Annual Report on Form 10-K. There have been no material changes to the Company’s significant accounting policies since June 30, 2023.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	9 Months Ended
	Mar. 31, 2024
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS The Company has evaluated events and transactions occurring subsequent to the statement of financial condition date of March 31, 2024, for items that should potentially be recognized or disclosed in these consolidated financial statements. The evaluation was conducted through the date this document was filed. On April 25, 2024, the Company declared a quarterly cash dividend of $0.11 per share, payable on May 22, 2024 to stockholders of record as of May 8, 2024.

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	9 Months Ended
	Mar. 31, 2024
Accounting Changes and Error Corrections [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In November 2023, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures . This ASU requires enhanced disclosures of segment information for all public entities, including those that have a single reportable segment, primarily in the area of segment revenues and expenses. Entities that have a single reportable segment, like the Company, will be required to provide all the disclosures required by this ASU and all existing segment disclosures requirements in ASC 280, Segment Reporting . This ASU is effective for the Company on July 1, 2024. The Company is currently evaluating the effect this ASU will have on the Company’s segment disclosures. Recently Adopted Accounting Standards In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures (“ASU 2022-02”) to improve the usefulness of information provided to investors about certain loan refinancings, restructurings and writeoffs. ASU 2022-02 eliminates the accounting guidance for troubled debt restructurings by creditors and enhances disclosure requirements for certain modifications made to borrowers experiencing financial difficulty. In addition, ASU 2022-02 requires public business entities to disclose current-period gross writeoffs for financing receivables and net investments in leases by year of origination in the vintage disclosures. For entities that have adopted ASU 2016-13, the amendments in ASU 2022-02 are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Effective July 1, 2023, the Company adopted ASU 2022-02. Under ASU 2022-02, the Company assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof. The Company adopted ASU 2022-02 on a prospective basis. The adoption of this update did not have a material effect on the Company’s consolidated financial statements. Additional disclosures are included in Note 5 to the consolidated financial statements. Prior to the adoption of ASU 2022-02, a Troubled Debt Restructuring (“TDR”) occurred when the terms of a loan were modified because of deterioration in the financial condition of the borrower. Modifications could include extension of the repayment terms of the loan, reduced interest rates, or forgiveness of accrued interest and/or principal. For the Company's accounting policy related to TDRs granted prior to the adoption of ASU 2022-02, see “Note 1. Summary of Significant Accounting Policies” included in “Item 8. Financial Statements and Supplementary Data” in the Company’s Annual Report on Form 10-K for the year ended June 30, 2023.

SECURITIES

SECURITIES	9 Months Ended
	Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The following tables present the amortized cost, gross unrealized gains and losses and estimated fair values for available for sale securities and the amortized cost, gross unrecognized gains and losses and estimated fair values for held to maturity securities as of the dates indicated: March 31, 2024 Amortized Gross Gross Allowance for Fair (In Thousands) Available for sale: Debt securities: Asset-backed securities $ 86,707 $ 193 $ 540 $ — $ 86,360 Collateralized loan obligations 405,125 2,023 453 — 406,695 Corporate bonds 145,911 — 20,830 — 125,081 Total debt securities 637,743 2,216 21,823 — 618,136 Mortgage-backed securities: Residential pass-through securities (1) 437,009 7 92,044 — 344,972 Commercial pass-through securities (1) 157,421 — 21,874 — 135,547 Total mortgage-backed securities 594,430 7 113,918 — 480,519 Total securities available for sale $ 1,232,173 $ 2,223 $ 135,741 $ — $ 1,098,655 ___________________________ (1) Government-sponsored enterprises. June 30, 2023 Amortized Gross Gross Allowance for Fair (In Thousands) Available for sale: Debt securities: Asset-backed securities $ 138,281 $ 4 $ 2,115 $ — $ 136,170 Collateralized loan obligations 381,915 268 5,187 — 376,996 Corporate bonds 159,666 — 24,648 — 135,018 Total debt securities 679,862 272 31,950 — 648,184 Mortgage-backed securities: Residential pass-through securities (1) 539,506 2 103,357 — 436,151 Commercial pass-through securities (1) 164,499 — 21,105 — 143,394 Total mortgage-backed securities 704,005 2 124,462 — 579,545 Total securities available for sale $ 1,383,867 $ 274 $ 156,412 $ — $ 1,227,729 ___________________________ (1) Government-sponsored enterprises. March 31, 2024 Amortized Gross Gross Allowance for Fair (In Thousands) Held to maturity: Debt securities: Obligations of state and political subdivisions $ 14,345 $ 2 $ 271 $ — $ 14,076 Total debt securities 14,345 2 271 — 14,076 Mortgage-backed securities: Residential pass-through securities (1) 113,075 — 13,727 — 99,348 Commercial pass-through securities (1) 12,223 — 2,071 — 10,152 Total mortgage-backed securities 125,298 — 15,798 — 109,500 Total securities held to maturity $ 139,643 $ 2 $ 16,069 $ — $ 123,576 ___________________________ (1) Government-sponsored enterprises. June 30, 2023 Amortized Gross Gross Allowance for Fair (In Thousands) Held to maturity: Debt securities: Obligations of state and political subdivisions $ 16,051 $ — $ 321 $ — $ 15,730 Total debt securities 16,051 — 321 — 15,730 Mortgage-backed securities: Residential pass-through securities (1) 118,166 — 12,736 — 105,430 Commercial pass-through securities (1) 12,248 — 2,239 — 10,009 Total mortgage-backed securities 130,414 — 14,975 — 115,439 Total securities held to maturity $ 146,465 $ — $ 15,296 $ — $ 131,169 ___________________________ (1) Government-sponsored enterprises. Excluding the balances of mortgage-backed securities, the following tables present the amortized cost and estimated fair values of debt securities available for sale and held to maturity, by contractual maturity, at March 31, 2024: March 31, 2024 Amortized Fair (In Thousands) Available for sale debt securities: Due in one year or less $ — $ — Due after one year through five years 31,865 29,942 Due after five years through ten years 379,427 363,512 Due after ten years 226,451 224,682 Total $ 637,743 $ 618,136 March 31, 2024 Amortized Fair (In Thousands) Held to maturity debt securities: Due in one year or less $ 5,629 $ 5,581 Due after one year through five years 8,108 7,908 Due after five years through ten years 608 587 Due after ten years — — Total $ 14,345 $ 14,076 Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Available for sale securities sold: Proceeds from sales of securities $ — $ — $ 104,083 $ 105,199 Gross realized losses $ — $ — $ (18,135) $ (15,227) Net loss on sales of securities $ — $ — $ (18,135) $ (15,227) The carrying value of securities pledged were as follows as of the dates presented below: March 31, June 30, (In Thousands) Securities pledged: Pledged to secure public funds on deposit $ 154,608 $ 201,239 Pledged for potential borrowings at the Federal Reserve Bank of New York 507,101 529,216 Pledged for the bank term funding program 90,796 — Total carrying value of securities pledged $ 752,505 $ 730,455 The following tables present the gross unrealized losses on securities and the estimated fair value of the related securities, aggregated by investment category and length of time that securities have been in a continuous unrealized loss position within the available for sale portfolio at March 31, 2024 and June 30, 2023: March 31, 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Number of Securities Fair Unrealized (Dollars in Thousands) Securities Available for Sale: Asset-backed securities $ 17,864 $ 378 $ 55,186 $ 162 10 $ 73,050 $ 540 Collateralized loan obligations 851 — 126,886 453 10 127,737 453 Corporate bonds — — 125,081 20,830 27 125,081 20,830 Commercial pass-through securities 46,890 1,217 88,656 20,657 9 135,546 21,874 Residential pass-through securities 56 1 344,458 92,043 102 344,514 92,044 Total $ 65,661 $ 1,596 $ 740,267 $ 134,145 158 $ 805,928 $ 135,741 June 30, 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Number of Securities Fair Unrealized (Dollars in Thousands) Securities Available for Sale: Asset-backed securities $ 33,833 $ 129 $ 98,828 $ 1,986 14 $ 132,661 $ 2,115 Collateralized loan obligations 46,903 135 294,813 5,052 26 341,716 5,187 Corporate bonds 25,511 1,354 109,507 23,294 31 135,018 24,648 Commercial pass-through securities 63,531 1,380 79,863 19,725 12 143,394 21,105 Residential pass-through securities 10,520 702 425,170 102,655 108 435,690 103,357 Total $ 180,298 $ 3,700 $ 1,008,181 $ 152,712 191 $ 1,188,479 $ 156,412 The following table presents the gross unrecognized losses on securities and the estimated fair value of the related securities, aggregated by investment category and length of time that securities have been in a continuous unrecognized loss position within the held to maturity portfolio at March 31, 2024 and June 30, 2023: March 31, 2024 Less than 12 Months 12 Months or More Total Fair Unrecognized Fair Unrecognized Number of Securities Fair Unrecognized (Dollars in Thousands) Securities Held to Maturity: Obligations of state and political subdivisions $ 458 $ 6 $ 13,317 $ 265 26 $ 13,775 $ 271 Commercial pass-through securities — — 10,152 2,071 1 10,152 2,071 Residential pass-through securities 36,152 201 63,196 13,526 9 99,348 13,727 Total $ 36,610 $ 207 $ 86,665 $ 15,862 36 $ 123,275 $ 16,069 June 30, 2023 Less than 12 Months 12 Months or More Total Fair Unrecognized Fair Unrecognized Number of Securities Fair Unrecognized (Dollars in Thousands) Securities Held to Maturity: Obligations of state and political subdivisions $ 13,642 $ 268 $ 2,088 $ 53 32 $ 15,730 $ 321 Commercial pass-through securities — — 10,009 2,239 1 10,009 2,239 Residential pass-through securities 38,135 319 67,295 12,417 9 105,430 12,736 Total $ 51,777 $ 587 $ 79,392 $ 14,709 42 $ 131,169 $ 15,296 Available for sale securities are evaluated to determine if a decline in fair value below the amortized cost basis has resulted from a credit loss or from other factors. An impairment related to credit factors would be recorded through an allowance for credit losses. The allowance is limited to the amount by which the security’s amortized cost basis exceeds the fair value. An impairment that has not been recorded through an allowance for credit losses shall be recorded through other comprehensive income, net of applicable taxes. Investment securities will be written down to fair value through the Consolidated Statement of Income if management intends to sell, or may be required to sell, the securities before they recover in value. The issuers of these securities continue to make timely principal and interest payments and none of these securities were past due or were placed in nonaccrual status at March 31, 2024. Management believes that the unrealized losses on these securities are a function of changes in market interest rates and credit spreads, not changes in credit quality. No allowance for credit losses was recorded at March 31, 2024 on available for sale securities. The sale of available for sale securities during the nine months ended March 31, 2024 was part of an investment security repositioning completed in December 2023. The sale proceeds were utilized for reinvestment into higher yielding loans and investment securities, and for repayment of higher-cost wholesale borrowings. The Company was not required to sell these securities.

LOANS RECEIVABLE

LOANS RECEIVABLE	9 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
LOANS RECEIVABLE	LOANS RECEIVABLE The following table sets forth the composition of the Company’s loan portfolio at March 31, 2024 and June 30, 2023: March 31, June 30, (In Thousands) Commercial loans: Multi-family mortgage $ 2,645,195 $ 2,761,775 Nonresidential mortgage 965,539 968,574 Commercial business 147,326 146,861 Construction 229,457 226,609 Total commercial loans 3,987,517 4,103,819 One- to four-family residential mortgage 1,741,644 1,700,559 Consumer loans: Home equity loans 42,731 43,549 Other consumer 3,198 2,549 Total consumer loans 45,929 46,098 Total loans 5,775,090 5,850,476 Unaccreted yield adjustments (1) (16,754) (21,055) Total loans receivable, net of yield adjustments $ 5,758,336 $ 5,829,421 ___________________________ (1) At March 31, 2024 and June 30, 2023 , included a fair value adjustment to the carrying amount of hedged one- to four-family residential mortgage loans. Past Due Loans Past due status is based on the contractual payment terms of the loans. The following tables present the payment status of past due loans as of March 31, 2024 and June 30, 2023, by loan segment: Payment Status 30-59 Days 60-89 Days 90 Days and Over Total Past Due Current Total (In Thousands) Multi-family mortgage $ 2,725 $ — $ 19,912 $ 22,637 $ 2,622,558 $ 2,645,195 Nonresidential mortgage 5,912 174 3,230 9,316 956,223 965,539 Commercial business 1,495 104 640 2,239 145,087 147,326 Construction — — — — 229,457 229,457 One- to four-family residential mortgage 2,308 2,043 2,893 7,244 1,734,400 1,741,644 Home equity loans 325 25 19 369 42,362 42,731 Other consumer — — — — 3,198 3,198 Total loans $ 12,765 $ 2,346 $ 26,694 $ 41,805 $ 5,733,285 $ 5,775,090 Payment Status 30-59 Days 60-89 Days 90 Days and Over Total Past Due Current Total (In Thousands) Multi-family mortgage $ 2,958 $ — $ 10,756 $ 13,714 $ 2,748,061 $ 2,761,775 Nonresidential mortgage 792 — 8,233 9,025 959,549 968,574 Commercial business 528 16 236 780 146,081 146,861 Construction — — — — 226,609 226,609 One- to four-family residential mortgage 2,019 1,202 3,731 6,952 1,693,607 1,700,559 Home equity loans 25 — 50 75 43,474 43,549 Other consumer — — — — 2,549 2,549 Total loans $ 6,322 $ 1,218 $ 23,006 $ 30,546 $ 5,819,930 $ 5,850,476 Nonperforming Loans Loans are generally placed on nonaccrual status when contractual payments become 90 or more days past due or when the Company does not expect to receive all principal and interest payments owed substantially in accordance with the terms of the loan agreement, regardless of past due status. Loans that become 90 days past due, but are well secured and in the process of collection, may remain on accrual status. Nonaccrual loans are generally returned to accrual status when all payments due are brought current and the Company expects to receive all remaining principal and interest payments owed substantially in accordance with the terms of the loan agreement. Payments received in cash on nonaccrual loans, including both the principal and interest portions of those payments, are generally applied to reduce the carrying value of the loan. The Company did not recognize interest income on non-accrual loans during the nine months ended March 31, 2024 and 2023. The following tables present information relating to the Company’s nonperforming loans as of March 31, 2024 and June 30, 2023: Performance Status 90 Days and Over Past Due Accruing Nonaccrual Loans with Allowance for Credit Losses Nonaccrual Loans with no Allowance for Credit Losses Total Nonperforming Performing Total (In Thousands) Multi-family mortgage $ — $ 1,904 $ 23,278 $ 25,182 $ 2,620,013 $ 2,645,195 Nonresidential mortgage — 174 4,314 4,488 961,051 965,539 Commercial business — 827 3,362 4,189 143,137 147,326 Construction — — — — 229,457 229,457 One- to four-family residential mortgage — 1,379 4,263 5,642 1,736,002 1,741,644 Home equity loans — — 45 45 42,686 42,731 Other consumer — — — — 3,198 3,198 Total loans $ — $ 4,284 $ 35,262 $ 39,546 $ 5,735,544 $ 5,775,090 Performance Status 90 Days and Over Past Due Accruing Nonaccrual Loans with Allowance for Credit Losses Nonaccrual Loans with no Allowance for Credit Losses Total Nonperforming Performing Total (In Thousands) Multi-family mortgage $ — $ 5,686 $ 13,428 $ 19,114 $ 2,742,661 $ 2,761,775 Nonresidential mortgage — 11,815 4,725 16,540 952,034 968,574 Commercial business — 71 181 252 146,609 146,861 Construction — — — — 226,609 226,609 One- to four-family residential mortgage — 1,640 5,031 6,671 1,693,888 1,700,559 Home equity loans — — 50 50 43,499 43,549 Other consumer — — — — 2,549 2,549 Total loans $ — $ 19,212 $ 23,415 $ 42,627 $ 5,807,849 $ 5,850,476 Loan Modifications Made to Borrowers Experiencing Financial Difficulty Effective July 1, 2023, the Company adopted ASU 2022-02, which eliminated the accounting for TDRs while expanding loan modification and vintage disclosure requirements. See Note 3 to the consolidated financial statements for further information. The following tables presents the amortized cost basis at March 31, 2024 of loan modifications made to borrowers experiencing financial difficulty that were restructured during the three and nine months ended March 31, 2024 by type of modification: Three Months Ended March 31, 2024 Payment Delay Term Extension Total Percent of Total Class (Dollars In Thousands) Nonresidential mortgage $ — $ 786 $ 786 0.08 % Total $ — $ 786 $ 786 0.01 % Nine Months Ended March 31, 2024 Payment Delay Term Extension Total Percent of Total Class (Dollars In Thousands) Multi-family mortgage $ 2,774 $ — $ 2,774 0.10 % Nonresidential mortgage — 786 786 0.08 % Commercial business 45 — 45 0.03 % One- to four-family residential mortgage 489 45 534 0.03 % Home equity loans — 25 25 0.06 % Total $ 3,308 $ 856 $ 4,164 0.08 % No modifications involved forgiveness of principal or interest rate reductions. There were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms have been restructured at March 31, 2024. All loans to borrowers experiencing financial difficulty that have been modified during the three months ended March 31, 2024 were current to their contractual payments as of March 31, 2024. During the nine months ended March 31, 2024 (since adoption of ASU 2022-02), one residential mortgage loan with a carrying value of $490,000 was modified and subsequently defaulted on payment. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into non-accrual status during the reporting period. Troubled Debt Restructured Loans prior to the adoption of ASU 2022-02 Prior to the adoption of ASU 2022-02, the Company classified certain loans as TDRs when credit terms to a borrower in financial difficulty were modified, in accordance with ASC 310-40. With the adoption of ASU 2022-02 the Company has ceased to recognize or measure for new TDRs, but those existing at June 30, 2023 will remain until settled. At June 30, 2023 the Company had TDRs totaling $17.4 million. The allowance for credit losses associated with these TDRs totaled $274,000 as of June 30, 2023. The following table presents total TDRs at June 30, 2023: June 30, 2023 Accrual Non-accrual Total # of Loans Amount # of Loans Amount # of Loans Amount (Dollars In Thousands) Commercial loans: Multi-family mortgage — $ — 2 $ 5,400 2 $ 5,400 Nonresidential mortgage 3 170 2 700 5 870 Commercial business 6 3,197 — — 6 3,197 Total commercial loans 9 3,367 4 6,100 13 9,467 One- to four-family residential mortgage 39 6,752 4 774 43 7,526 Consumer loans: Home equity loans 6 368 — — 6 368 Total 54 $ 10,487 8 $ 6,874 62 $ 17,361 As of March 31, 2024, there were no significant commitments to lend additional funds to borrowers whose loans had been restructured in a TDR. The following table presents information regarding TDRs that occurred during the three and nine months ended March 31, 2023: Three Months Ended March 31, 2023 # of Loans Pre- Post- (Dollars In Thousands) Commercial business 1 $ 67 $ 67 Total 1 $ 67 $ 67 Nine Months Ended March 31, 2023 # of Loans Pre- Post- (Dollars In Thousands) Commercial business 2 $ 74 $ 74 One- to four-family residential mortgage 2 708 705 Home equity loans 1 35 35 Total 5 $ 817 $ 814 During the three and nine months ended March 31, 2023, there were charge-offs of $6,000 and $103,000, respectively, related to TDRs. During the three and nine months ended March 31, 2023, there were two TDR defaults totaling $649,000. Loan modifications generally involve a reduction in interest rates and/or extension of maturity dates and also may include step up interest rates in their modified terms which will impact their weighted average yield in the future. The loans which qualified as TDRs during the three and nine months ended March 31, 2023, capitalized prior past due amounts and modified the repayment terms. Individually Analyzed Loans Individually analyzed loans include loans which do not share similar risk characteristics with other loans. Loans previously modified as TDRs and loan modifications made to borrowers experiencing financial difficulty will generally be evaluated for individual impairment, however, after a period of sustained repayment performance which permits the credit to be returned to accrual status, the loans would generally be removed from individual impairment analysis and returned to its corresponding pool. As of March 31, 2024, the carrying value of individually analyzed loans, including loans acquired with deteriorated credit quality that were individually analyzed, totaled $39.5 million, of which $32.8 million were considered collateral dependent. For collateral dependent loans where management has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and repayment of the loan is to be provided substantially through the operation or sale of the collateral, the allowance for credit losses is measured based on the difference between the fair value of the collateral, less costs to sell, and the amortized cost basis of the loan as of the measurement date. See Note 12 for additional disclosure regarding fair value of individually analyzed collateral dependent loans. The following table presents the carrying value and related allowance of collateral dependent individually analyzed loans at the dates indicated: March 31, 2024 June 30, 2023 Carrying Value Related Allowance Carrying Value Related Allowance (In Thousands) Commercial loans: Multi-family mortgage $ 25,182 $ 9 $ 19,114 $ 326 Nonresidential mortgage (1) 3,230 — 16,207 3,001 Commercial business (2) 3,323 — — — Total commercial loans 31,735 9 35,321 3,327 One- to four-family residential mortgage (2) 1,056 — 2,875 — Consumer loans: Home equity loans (2) 19 — — — Total $ 32,810 $ 9 $ 38,196 $ 3,327 ___________________________ (1) Secured by income-producing nonresidential property. (2) Secured by one- to four-family residential properties. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually to classify the loans as to credit risk. The Company uses the following definitions for risk ratings: Pass – Loans that are well protected by the current net worth and paying capacity of the obligor (or guarantors, if any) or by the fair value, less cost to acquire and sell, of any underlying collateral in a timely manner. Special Mention – Loans which do not currently expose the Company to a sufficient degree of risk to warrant an adverse classification but have some credit deficiencies or other potential weaknesses. Substandard – Loans which are inadequately protected by the paying capacity and net worth of the obligor or the collateral pledged, if any. Substandard assets include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful – Loans which have all of the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values. Loss – Loans which are considered uncollectible or of so little value that their continuance as assets is not warranted. The following table presents the risk category of loans and current period gross charge-offs as of March 31, 2024 by loan segment and vintage year: Term Loans by Origination Year for Fiscal Years ended June 30, 2024 2023 2022 2021 2020 Prior Revolving Loans Total (In Thousands) Multi-family mortgage: Pass $ 16,520 $ 598,167 $ 953,096 $ 217,401 $ 201,040 $ 611,894 $ — $ 2,598,118 Special Mention — — — — — 6,519 — 6,519 Substandard — — — 9,626 — 30,932 — 40,558 Doubtful — — — — — — — — Total multi-family mortgage 16,520 598,167 953,096 227,027 201,040 649,345 — 2,645,195 Multi-family current period gross charge-offs — — — — — 389 — 389 Nonresidential mortgage: Pass 64,851 106,424 205,793 90,222 50,767 420,499 150 938,706 Special Mention — — — — — 11,217 — 11,217 Substandard — — — 871 — 14,745 — 15,616 Doubtful — — — — — — — — Total nonresidential mortgage 64,851 106,424 205,793 91,093 50,767 446,461 150 965,539 Nonresidential current period gross charge-offs — — — — — 5,975 — 5,975 Commercial business: Pass 10,216 8,906 26,884 18,963 6,401 8,470 57,867 137,707 Special Mention — — 1,618 464 — 1,775 — 3,857 Substandard — — — 3,406 179 2,049 128 5,762 Doubtful — — — — — — — — Total commercial business 10,216 8,906 28,502 22,833 6,580 12,294 57,995 147,326 Commercial current period gross charge-offs — — — 5 336 11 — 352 Construction loans: Pass 36,988 43,602 43,182 67,408 8,352 3,751 5,735 209,018 Special Mention — — — 20,439 — — — 20,439 Substandard — — — — — — — — Doubtful — — — — — — — — Total construction loans 36,988 43,602 43,182 87,847 8,352 3,751 5,735 229,457 Residential mortgage: Pass 139,316 185,852 439,300 467,793 78,137 419,604 267 1,730,269 Special Mention — 514 — — — 1,656 — 2,170 Substandard — — 528 — — 8,677 — 9,205 Doubtful — — — — — — — — Total residential mortgage 139,316 186,366 439,828 467,793 78,137 429,937 267 1,741,644 Residential current period gross charge-offs — — — — — 37 — 37 Home equity loans: Pass 1,239 6,082 2,300 359 1,069 8,406 22,934 42,389 Special Mention — — — — — — 95 95 Substandard — — — — — 247 — 247 Doubtful — — — — — — — — Total home equity loans 1,239 6,082 2,300 359 1,069 8,653 23,029 42,731 Other consumer loans Pass 1,017 231 213 129 466 1,015 40 3,111 Special Mention — — — — — — — — Substandard — — — — — — 1 1 Doubtful — — — — — — 86 86 Other consumer loans 1,017 231 213 129 466 1,015 127 3,198 Total loans $ 270,147 $ 949,778 $ 1,672,914 $ 897,081 $ 346,411 $ 1,551,456 $ 87,303 $ 5,775,090 Total current period gross charge-offs $ — $ — $ — $ 5 $ 336 $ 6,412 $ — $ 6,753 The following table presents the risk category of loans as of June 30, 2023 by loan segment and vintage year: Term Loans by Origination Year for Fiscal Years ended June 30, 2023 2022 2021 2020 2019 Prior Revolving Loans Total (In Thousands) Multi-family mortgage: Pass $ 603,260 $ 954,554 $ 213,482 $ 198,969 $ 226,929 $ 510,485 $ — $ 2,707,679 Special Mention — — — — 6,006 6,647 — 12,653 Substandard — — 9,809 — 9,432 22,202 — 41,443 Doubtful — — — — — — — — Total multi-family mortgage 603,260 954,554 223,291 198,969 242,367 539,334 — 2,761,775 Nonresidential mortgage: Pass 109,725 220,443 83,032 51,933 59,197 414,742 6,000 945,072 Special Mention — — — — — 378 — 378 Substandard — — 708 — 919 21,497 — 23,124 Doubtful — — — — — — — — Total nonresidential mortgage 109,725 220,443 83,740 51,933 60,116 436,617 6,000 968,574 Commercial business: Pass 10,364 28,644 25,304 7,875 1,731 8,776 59,031 141,725 Special Mention — — — 47 176 2,456 371 3,050 Substandard — — — 395 60 1,385 246 2,086 Doubtful — — — — — — — — Total commercial business 10,364 28,644 25,304 8,317 1,967 12,617 59,648 146,861 Construction loans: Pass 25,070 36,389 143,086 12,275 2,961 1,093 5,735 226,609 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total construction loans 25,070 36,389 143,086 12,275 2,961 1,093 5,735 226,609 Residential mortgage: Pass 195,521 454,504 491,460 80,431 45,741 422,472 — 1,690,129 Special Mention — — — — 1,168 425 — 1,593 Substandard — 542 — — 80 8,215 — 8,837 Doubtful — — — — — — — — Total residential mortgage 195,521 455,046 491,460 80,431 46,989 431,112 — 1,700,559 Home equity loans: Pass 7,682 2,567 607 1,264 2,478 7,280 21,384 43,262 Special Mention — — — — — — — — Substandard — — — — — 287 — 287 Doubtful — — — — — — — — Total home equity loans 7,682 2,567 607 1,264 2,478 7,567 21,384 43,549 Other consumer loans Pass 367 247 110 494 302 912 42 2,474 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — 75 75 Other consumer loans 367 247 110 494 302 912 117 2,549 Total loans $ 951,989 $ 1,697,890 $ 967,598 $ 353,683 $ 357,180 $ 1,429,252 $ 92,884 $ 5,850,476 Mortgage Loans in Foreclosure The Company may obtain physical possession of one- to four-family real estate collateralizing a residential mortgage loan or nonresidential real estate collateralizing a nonresidential mortgage loan via foreclosure or through an in-substance repossession. As of March 31, 2024, the Company held one residential mortgage loan with an aggregate carrying value of $558,100 and five commercial mortgage loans with aggregate carrying values totaling $10.6 million which were in the process of foreclosure. As of June 30, 2023, the Company held one nonresidential property with a carrying value of $13.0 million in other real estate owned that was acquired through foreclosure on a nonresidential mortgage loan and was sold in January 2024. As of that same date, the Company held three residential mortgage loans with aggregate carrying values totaling $950,000 and six commercial mortgage loans with aggregate carrying values totaling $9.2 million which were in the process of foreclosure.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
ALLOWANCE FOR CREDIT LOSSES	ALLOWANCE FOR CREDIT LOSSES Allowance for Credit Losses on Loans Receivable The following tables present the balance of the allowance for credit losses at March 31, 2024 and June 30, 2023. The balance of the allowance for credit losses is based on an expected loss methodology, referred to as the “CECL” methodology. The tables identify the valuation allowances attributable to specifically identified impairments on individually analyzed loans, including those acquired with deteriorated credit quality, as well as valuation allowances for impairments on loans collectively evaluated. The tables include the underlying balance of loans receivable applicable to each category as of those dates. Allowance for Credit Losses Loans Loans Loans individually Loans collectively Total allowance for credit losses (In Thousands) Multi-family mortgage $ — $ — $ 9 $ 24,187 $ 24,196 Nonresidential mortgage — 34 8 6,008 6,050 Commercial business — 22 186 1,337 1,545 Construction — — — 1,350 1,350 One- to four-family residential mortgage 12 101 12 11,250 11,375 Home equity loans — — — 330 330 Other consumer — — — 84 84 Total loans $ 12 $ 157 $ 215 $ 44,546 $ 44,930 Balance of Loans Receivable Loans Loans Loans individually Loans collectively Total loans (In Thousands) Multi-family mortgage $ — $ — $ 25,182 $ 2,620,013 $ 2,645,195 Nonresidential mortgage 298 2,207 4,190 958,844 965,539 Commercial business — 4,523 4,189 138,614 147,326 Construction — 5,735 — 223,722 229,457 One- to four-family residential mortgage 955 3,821 4,687 1,732,181 1,741,644 Home equity loans 24 — 21 42,686 42,731 Other consumer — — — 3,198 3,198 Total loans $ 1,277 $ 16,286 $ 38,269 $ 5,719,258 $ 5,775,090 Unaccreted yield adjustments (16,754) Loans receivable, net of yield adjustments $ 5,758,336 Allowance for Credit Losses Loans Loans Loans individually Loans collectively Total allowance for credit losses (In Thousands) Multi-family mortgage $ — $ — $ 326 $ 26,036 $ 26,362 Nonresidential mortgage — 70 3,001 5,882 8,953 Commercial business — 9 20 1,411 1,440 Construction — — — 1,336 1,336 One- to four-family residential mortgage 3 132 70 10,032 10,237 Home equity loans — — — 338 338 Other consumer — — — 68 68 Total loans $ 3 $ 211 $ 3,417 $ 45,103 $ 48,734 Balance of Loans Receivable Loans Loans Loans individually Loans collectively Total loans (In Thousands) Multi-family mortgage $ — $ — $ 19,114 $ 2,742,661 $ 2,761,775 Nonresidential mortgage 333 3,562 16,207 948,472 968,574 Commercial business — 4,237 252 142,372 146,861 Construction — 5,735 — 220,874 226,609 One- to four-family residential mortgage 570 4,433 6,101 1,689,455 1,700,559 Home equity loans 25 — 25 43,499 43,549 Other consumer — — — 2,549 2,549 Total loans $ 928 $ 17,967 $ 41,699 $ 5,789,882 $ 5,850,476 Unaccreted yield adjustments (21,055) Loans receivable, net of yield adjustments $ 5,829,421 The following tables present the activity in the allowance for credit losses on loans for the three and nine months ended March 31, 2024 and 2023. Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 24,462 $ (35) $ — $ (231) $ 24,196 Nonresidential mortgage 5,888 (253) — 415 6,050 Commercial business 1,293 (5) 7 250 1,545 Construction 1,171 — — 179 1,350 One- to four-family residential mortgage 11,653 — — (278) 11,375 Home equity loans 330 — — — 330 Other consumer 70 — — 14 84 Total loans $ 44,867 $ (293) $ 7 $ 349 $ 44,930 Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 26,362 $ (389) $ — $ (1,777) $ 24,196 Nonresidential mortgage 8,953 (5,975) 120 2,952 6,050 Commercial business 1,440 (352) 17 440 1,545 Construction 1,336 — — 14 1,350 One- to four-family residential mortgage 10,237 (37) 113 1,062 11,375 Home equity loans 338 — — (8) 330 Other consumer 68 — — 16 84 Total loans $ 48,734 $ (6,753) $ 250 $ 2,699 $ 44,930 Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 27,498 $ (4) $ — $ (322) $ 27,172 Nonresidential mortgage 8,593 (6) — (343) 8,244 Commercial business 1,819 (205) 7 108 1,729 Construction 1,201 — — 115 1,316 One- to four-family residential mortgage 9,355 — 2 908 10,265 Home equity loans 339 — — (12) 327 Other consumer 72 — — (3) 69 Total loans $ 48,877 $ (215) $ 9 $ 451 $ 49,122 Changes in the Allowance for Credit Losses Balance at June 30, 2022 Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 25,321 $ (399) $ — $ 2,250 $ 27,172 Nonresidential mortgage 10,590 (21) — (2,325) 8,244 Commercial business 1,792 (338) 24 251 1,729 Construction 1,486 — — (170) 1,316 One- to four-family residential mortgage 7,540 — 2 2,723 10,265 Home equity loans 245 — — 82 327 Other consumer 84 — 4 (19) 69 Total loans $ 47,058 $ (758) $ 30 $ 2,792 $ 49,122 Allowance for Credit Losses on Off Balance Sheet Commitments The following table presents the activity in the allowance for credit losses on off balance sheet commitments recorded in other non-interest expense for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Balance at beginning of the period $ 567 $ 819 $ 741 $ 1,041 Provision for (reversal of) credit losses 198 (90) 24 (312) Balance at end of the period $ 765 $ 729 $ 765 $ 729

DEPOSITS

DEPOSITS	9 Months Ended
	Mar. 31, 2024
Deposits [Abstract]
DEPOSITS	DEPOSITS Deposits at March 31, 2024 and June 30, 2023 are summarized as follows: March 31, June 30, (In Thousands) Non-interest-bearing demand $ 586,089 $ 609,999 Interest-bearing demand 2,349,032 2,252,912 Savings 630,456 748,721 Certificates of deposits 1,643,473 2,017,551 Total deposits $ 5,209,050 $ 5,629,183

BORROWINGS

BORROWINGS	9 Months Ended
	Mar. 31, 2024
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Borrowings at March 31, 2024 and June 30, 2023 consisted of the following: March 31, June 30, (In Thousands) FHLB advances $ 1,357,178 $ 1,281,812 Federal Reserve Bank Term Funding Program ("BTFP") borrowings 100,000 — Overnight borrowings (1) 265,000 225,000 Total borrowings $ 1,722,178 $ 1,506,812 ___________________________ (1) At March 31, 2024, represented $265.0 million of FHLB overnight line of credit borrowings. At June 30, 2023, represented $125.0 million of FHLB overnight line of credit borrowings and $100.0 million of unsecured overnight borrowings from other financial institutions. Fixed rate advances from the FHLB of New York and BTFP borrowings mature as follows: March 31, 2024 June 30, 2023 Balance Weighted Balance Weighted (Dollars in Thousands) By remaining period to maturity: Less than one year $ 1,228,500 5.22 % $ 972,500 5.36 % One to two years 29,000 2.77 103,500 2.68 Two to three years — — 6,500 2.82 Three to four years 200,000 3.98 — — Four to five years — — 200,000 3.98 Greater than five years — — — — Total advances 1,457,500 5.00 % 1,282,500 4.92 % Unamortized fair value adjustments (322) (688) Total advances, net of fair value adjustments $ 1,457,178 $ 1,281,812 At March 31, 2024, FHLB advances and overnight line of credit borrowings were collateralized by the FHLB capital stock owned by the Bank and mortgage loans with carrying values totaling approximately $4.38 billion. At June 30, 2023, FHLB advances and overnight line of credit borrowings were collateralized by the FHLB capital stock owned by the Bank and mortgage loans with carrying values totaling approximately $4.60 billion. At March 31, 2024, BTFP borrowings were secured by agency mortgage-backed securities with a par value of $115.4 million. At June 30, 2023, the Company had no BTFP borrowings. The BTFP allows depository institutions to borrow up to the par value of eligible securities pledged at the Federal Reserve Bank.

DERIVATIVE INSTRUMENTS AND HEDG

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	9 Months Ended
	Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Risk Management Objective of Using Derivatives The Company uses various financial instruments, including derivatives, to manage its exposure to interest rate risk. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments principally related to specific wholesale funding positions and assets. Fair Values of Derivative Instruments on the Statement of Financial Condition The tables below present the fair value of the Company’s derivative financial instruments as well as their classification on the Statements of Financial Condition as of March 31, 2024 and June 30, 2023: March 31, 2024 Asset Derivatives Liability Derivatives Location Fair Value Location Fair Value (In Thousands) Derivatives designated as hedging instruments: Interest rate contracts Other assets $ 55,794 Other liabilities $ — Total $ 55,794 $ — June 30, 2023 Asset Derivatives Liability Derivatives Location Fair Value Location Fair Value (In Thousands) Derivatives designated as hedging instruments: Interest rate contracts Other assets $ 71,624 Other liabilities $ — Total $ 71,624 $ — Cash Flow Hedges of Interest Rate Risk The Company’s uses derivatives to add stability to interest expense and interest income and to manage its exposure to interest rate movements. The Company has entered into interest rate swaps, interest rate caps and an interest rate floor as part of its interest rate risk management strategy. These interest rate products are designated as cash flow hedges. As of March 31, 2024, the Company had a total of 12 interest rate swaps and caps with a total notional amount of $1.43 billion hedging specific wholesale funding and four interest rate floors with a notional amount of $400.0 million hedging floating-rate available for sale securities. For derivatives designated as cash flow hedges, the gain or loss on the derivative is recorded in other comprehensive income, net of tax, and subsequently reclassified into interest expense in the same period during which the hedged transaction affects earnings. For cash flow hedges on the Company’s wholesale funding positions, amounts reported in accumulated other comprehensive income (loss) related to derivatives will be reclassified to interest expense as interest payments are made on the Company’s hedged variable rate wholesale funding positions. During the three and nine months ended March 31, 2024, the Company reclassified $9.5 million and $18.8 million, respectively, as a reduction in interest expense. During the next twelve months, the Company estimates that $28.4 million will be reclassified as a reduction in interest expense. For cash flow hedges on the Company’s assets, amounts reported in accumulated other comprehensive income (loss) related to derivatives will be reclassified to interest income as interest payments are received on the Company’s hedged variable rate assets. During the three and nine months ended March 31, 2024, the Company did not reclassify any amount to interest income. During the next twelve months, the Company estimates that $500,000 will be reclassified as a reduction in interest income. The table below presents the pre-tax effects of the Company’s derivative instruments designated as cash flow hedges on the Consolidated Statements of Income for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Amount of gain (loss) recognized in other comprehensive income $ 18,798 $ (8,936) $ 13,920 $ 11,051 Amount of gain reclassified from accumulated other comprehensive income to interest expense $ 9,461 $ 6,461 $ 28,295 $ 12,185 Fair Value Hedges of Interest Rate Risk The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. Such derivatives are used to hedge the changes in fair value of certain of its pools of fixed rate assets. As of March 31, 2024, the Company had five interest rate swaps with a notional amount of $675.0 million hedging fixed-rate residential mortgage loans. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivatives as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income. The table below presents the effects of the Company’s derivative instruments designated as fair value hedges on the Consolidated Statements of Income for the three and nine months ended March 31, 2024 and March 31, 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) (Loss) gain on hedged items recorded in interest income on loans $ (5,929) $ 5,681 $ 2,077 $ 653 Gain (loss) on hedges recorded in interest income on loans $ 8,565 $ (4,521) $ 5,832 $ 589 As of March 31, 2024 and June 30, 2023, the following amounts were recorded on the Statement of Financial Condition related to cumulative basis adjustment for fair value hedges: March 31, June 30, (In Thousands) Loans receivable: Carrying amount of the hedged assets (1) $ 665,640 $ 663,563 Fair value hedging adjustment included in the carrying amount of the hedged assets $ (9,360) $ (11,437) ___________________________________ (1) This amount includes the amortized cost basis of the closed portfolios of loans receivable used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolios anticipated to be outstanding for the designated hedge period. At March 31, 2024 and June 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $1.06 billion and $1.10 billion, respectively. Offsetting Derivatives The tables below present a gross presentation, the effects of offsetting, and a net presentation of the Company’s derivatives in the Consolidated Statements of Financial Condition as of March 31, 2024 and June 30, 2023, respectively. The net amounts presented for derivative assets or liabilities can be reconciled to the tabular disclosure of fair value. The tabular disclosure of fair value provides the location that derivative assets and liabilities are presented on the Consolidated Statements of Financial Condition. March 31, 2024 Gross Amounts Not Offset Gross Amount Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Received (Posted) Net Amount (In Thousands) Assets: Interest rate contracts $ 55,794 $ — $ 55,794 $ — $ — $ 55,794 Total $ 55,794 $ — $ 55,794 $ — $ — $ 55,794 June 30, 2023 Gross Amounts Not Offset Gross Amount Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Received (Posted) Net Amount (In Thousands) Assets: Interest rate contracts $ 72,418 $ (794) $ 71,624 $ — $ — $ 71,624 Total $ 72,418 $ (794) $ 71,624 $ — $ — $ 71,624 Liabilities: Interest rate contracts $ 794 $ (794) $ — $ — $ — $ — Total $ 794 $ (794) $ — $ — $ — $ — Credit Risk-Related Contingent Features The Company has agreements with each of its derivative counterparties that contain a provision where if the Company defaults on any of its indebtedness, then the Company could also be declared in default on its derivative obligations and could be required to terminate its derivative positions with the counterparty. The Company also has agreements with its derivative counterparties that contain a provision where if the Company fails to maintain its status as a well-capitalized institution, then the Company could be required to terminate its derivative positions with the counterparty. At March 31, 2024, none of the Company’s derivatives were in a net liability position. As required under the enforceable master netting arrangement with its derivatives counterparties, as of March 31, 2024 and June 30, 2023, the Company was not required to post financial collateral. In addition to the derivative instruments noted above, the Company’s pipeline of loans held for sale at March 31, 2024 and June 30, 2023, included $13.4 million and $11.7 million, respectively, of in process loans whose terms included interest rate locks to borrowers, which are considered free-standing derivative instruments whose fair values are not material to the Company’s financial condition or results of operations.

BENEFIT PLANS

BENEFIT PLANS	9 Months Ended
	Mar. 31, 2024
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS Components of Net Periodic Expense The following table sets forth the aggregate net periodic benefit expense for the Bank’s Benefit Equalization Plan, Postretirement Welfare Plan, Directors’ Consultation and Retirement Plan, Atlas Bank Retirement Income Plan and Supplemental Executive Retirement Plan: Three Months Ended Nine Months Ended Affected Line Item in the Consolidated Statements of Income 2024 2023 2024 2023 (In Thousands) Service cost $ 20 $ 24 $ 58 $ 258 Salaries and employee benefits Interest cost 93 88 277 280 Other expense Accretion of unrecognized gain (15) (6) (45) (18) Other expense Expected return on assets (23) (25) (69) (75) Other expense Net periodic benefit cost $ 75 $ 81 $ 221 $ 445 2021 Equity Incentive Plan During the nine months ended March 31, 2024, the Company granted 349,257 restricted stock units (“RSUs”) comprised of 255,062 service-based RSUs and 94,195 performance-based RSUs. The service-based RSUs will vest in three tranches over a period of three years and the performance-based RSUs will cliff vest upon the achievement of performance measures over the three-year period ending June 30, 2026. The number of performance-based RSUs that will vest, if any, will depend on whether, and to what extent, the performance measures are achieved. Common stock will be issued from authorized shares upon the vesting of the RSUs.

INCOME TAXES

INCOME TAXES	9 Months Ended
	Mar. 31, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following table presents a reconciliation between the reported income taxes for the periods presented and the income taxes which would be computed by applying the federal income tax rate of 21% to income for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (Dollars in Thousands) Income before income taxes $ 9,114 $ 13,214 $ 10,220 $ 36,988 Statutory federal tax rate 21 % 21 % 21 % 21 % Federal income tax at statutory rate $ 1,914 $ 2,775 $ 2,146 $ 7,767 (Reduction) increase in income taxes resulting from: Tax exempt interest (17) (20) (52) (125) State tax, net of federal tax effect 485 769 297 2,065 Incentive stock option compensation expense — 3 5 9 Income from bank-owned life insurance (504) (332) (1,218) (1,469) Surrender of bank-owned life insurance polices 76 — 5,789 — Other items, net (237) (293) (159) (57) Total income tax expense $ 1,717 $ 2,902 $ 6,808 $ 8,190 Effective income tax rate 18.84 % 21.96 % 66.61 % 22.14 %

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Mar. 31, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability or inputs that are derived principally from, or corroborated by, market data by correlation or other means. 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. Assets and Liabilities Measured on a Recurring Basis: The following methods and significant assumptions were used to estimate the fair values as of March 31, 2024 and June 30, 2023: Investment Securities Available for Sale The Company’s available for sale investment securities are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the securities’ terms and conditions, among other things. From time to time, the Company validates prices supplied by the independent pricing service by comparison to prices obtained from third-party sources or derived using internal models. Derivatives The Company has contracted with a third party vendor to provide periodic valuations for its interest rate derivatives to determine the fair value of its interest rate contracts. The vendor utilizes standard valuation methodologies applicable to interest rate derivatives such as discounted cash flow analysis and extensions of the Black-Scholes model. Such valuations are based upon readily observable market data and are therefore considered Level 2 valuations by the Company. Those assets measured at fair value on a recurring basis are summarized below: March 31, 2024 Quoted Significant Significant Total (In Thousands) Assets: Debt securities available for sale: Asset-backed securities $ — $ 86,360 $ — $ 86,360 Collateralized loan obligations — 406,695 — 406,695 Corporate bonds — 125,081 — 125,081 Total debt securities — 618,136 — 618,136 Mortgage-backed securities available for sale: Residential pass-through securities — 344,972 — 344,972 Commercial pass-through securities — 135,547 — 135,547 Total mortgage-backed securities — 480,519 — 480,519 Total securities available for sale $ — $ 1,098,655 $ — $ 1,098,655 Interest rate contracts $ — $ 55,794 $ — $ 55,794 Total assets $ — $ 1,154,449 $ — $ 1,154,449 June 30, 2023 Quoted Prices Significant Significant Total (In Thousands) Assets: Debt securities available for sale: Asset-backed securities $ — $ 136,170 $ — $ 136,170 Collateralized loan obligations — 376,996 — 376,996 Corporate bonds — 135,018 — 135,018 Total debt securities — 648,184 — 648,184 Mortgage-backed securities available for sale: Residential pass-through securities — 436,151 — 436,151 Commercial pass-through securities — 143,394 — 143,394 Total mortgage-backed securities — 579,545 — 579,545 Total securities available for sale $ — $ 1,227,729 $ — $ 1,227,729 Interest rate contracts $ — $ 71,624 $ — $ 71,624 Total assets $ — $ 1,299,353 $ — $ 1,299,353 Assets Measured on a Non-Recurring Basis: The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a non-recurring basis at March 31, 2024 and June 30, 2023: Individually Analyzed Collateral Dependent Loans The fair value of collateral dependent loans that are individually analyzed is determined based upon the appraised fair value of the underlying collateral, less costs to sell. Such collateral primarily consists of real estate and, to a lesser extent, other business assets. Management may also adjust appraised values to reflect estimated changes in market values or apply other adjustments to appraised values resulting from its knowledge of the collateral. Internal valuations may be utilized to determine the fair value of other business assets. For non-collateral-dependent loans, management estimates fair value using discounted cash flows based on inputs that are largely unobservable and instead reflect management’s own estimates of the assumptions as a market participant would in pricing such loans. Individually analyzed collateral dependent loans are considered a Level 3 valuation by the Company. Other Real Estate Owned Other real estate owned is recorded at estimated fair value, less estimated selling costs when acquired, thus establishing a new cost basis. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers’ market knowledge and experience. When an asset is acquired, the excess of the loan balance over fair value, less estimated selling costs, is charged to the allowance for credit losses. If further declines in the estimated fair value of the asset occur, a write-down is recorded through expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in economic conditions. Other real estate owned is considered a Level 3 valuation by the Company. Those assets measured at fair value on a non-recurring basis are summarized below: March 31, 2024 Quoted Prices Significant Significant Total (In Thousands) Collateral dependent loans: Multi-family mortgage $ — $ — $ 1,896 $ 1,896 Total $ — $ — $ 1,896 $ 1,896 June 30, 2023 Quoted Prices Significant Significant Total (In Thousands) Collateral dependent loans: Residential mortgage $ — $ — $ 449 $ 449 Multi-family mortgage — — 7,300 7,300 Nonresidential mortgage — — 9,972 9,972 Total $ — $ — $ 17,721 $ 17,721 Other real estate owned, net: Nonresidential $ — $ — $ 12,956 $ 12,956 Total $ — $ — $ 12,956 $ 12,956 The following tables present additional quantitative information about assets measured at fair value on a non-recurring basis and for which the Company has utilized adjusted Level 3 inputs to determine fair value: March 31, 2024 Fair Valuation Unobservable Range Weighted (Dollars in Thousands) Collateral dependent loans: Multi-family mortgage $ 1,896 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 13.09% 13.09 % Total $ 1,896 June 30, 2023 Fair Valuation Unobservable Range Weighted (Dollars in Thousands) Collateral dependent loans: Residential mortgage $ 449 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 6% - 9% 6.93 % Multi-family mortgage 7,300 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 6% - 9% 7.78 % Nonresidential mortgage 9,972 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 9% - 16% 11.78 % Total $ 17,721 Other real estate owned, net: Nonresidential $ 12,956 Market valuation of underlying collateral (3) Adjustments to reflect current conditions/selling costs (2) 4.00% 4.00 % Total $ 12,956 ___________________________________ (1) The fair value of collateral dependent loans is generally determined based on an independent appraisal of the fair value of a loan’s underlying collateral. (2) The fair value basis of collateral dependent loans and other real estate owned is adjusted to reflect management’s estimates of selling costs including, but not limited to, real estate brokerage commissions and title transfer fees. (3) The fair value of other real estate owned is generally determined based upon the lower of an independent appraisal of the property’s fair value or the applicable listing price or contracted sales price. At March 31, 2024, collateral dependent loans valued using Level 3 inputs comprised loans with principal balances totaling $1.9 million and a valuation allowance of $9,000 reflecting an aggregate fair value of $1.9 million. By comparison, at June 30, 2023, collateral dependent loans valued using Level 3 inputs comprised loans with principal balances totaling $21.0 million and a valuation allowance of $3.3 million reflecting an aggregate fair value of $17.7 million. Once a loan is foreclosed, the fair value of the other real estate owned continues to be evaluated based upon the fair value of the repossessed real estate originally securing the loan. At March 31, 2024, the Company had no other real estate owned assets. At June 30, 2023, the Company held other real estate owned totaling $13.0 million, whose carrying value was written down utilizing Level 3 inputs. The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of March 31, 2024 and June 30, 2023: March 31, 2024 Carrying Fair Quoted Significant Significant (In Thousands) Financial assets: Cash and cash equivalents $ 71,027 $ 71,027 $ 71,027 $ — $ — Investment securities available for sale 1,098,655 1,098,655 — 1,098,655 — Investment securities held to maturity 139,643 123,576 — 123,576 — Loans held-for-sale 4,117 4,159 — 4,159 — Net loans receivable 5,713,406 5,150,589 — — 5,150,589 FHLB Stock 81,347 — — — — Interest receivable 31,065 31,065 28 10,318 20,719 Interest rate contracts 55,794 55,794 — 55,794 — Financial liabilities: Deposits other than certificates of deposits 3,565,577 3,565,577 3,565,577 — — Certificates of deposits 1,643,473 1,632,554 — — 1,632,554 Borrowings 1,722,178 1,716,261 — — 1,716,261 Interest payable on deposits 5,849 5,849 3,611 — 2,238 Interest payable on borrowings 6,727 6,727 — — 6,727 June 30, 2023 Carrying Fair Quoted Significant Significant (In Thousands) Financial assets: Cash and cash equivalents $ 70,515 $ 70,515 $ 70,515 $ — $ — Investment securities available for sale 1,227,729 1,227,729 — 1,227,729 — Investment securities held to maturity 146,465 131,169 — 131,169 — Loans held-for-sale 9,591 9,442 — 9,442 — Net loans receivable 5,780,687 5,261,808 — — 5,261,808 FHLB Stock 71,734 — — — — Interest receivable 28,133 28,133 14 8,924 19,195 Interest rate contracts 71,624 71,624 — 71,624 — Financial liabilities: Deposits other than certificates of deposits 3,611,632 3,611,632 3,611,632 — — Certificates of deposits 2,017,551 1,989,434 — — 1,989,434 Borrowings 1,506,812 1,498,920 — — 1,498,920 Interest payable on deposits 6,826 6,826 1,933 — 4,893 Interest payable on borrowings 5,282 5,282 — — 5,282 Commitments. The fair value of commitments to fund credit lines and originate or participate in loans held in portfolio or loans held for sale is estimated using fees currently charged to enter into similar agreements taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, including those relating to loans held for sale that are considered derivative instruments for financial statement reporting purposes, the fair value also considers the difference between current levels of interest and the committed rates. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, is not considered material for disclosure. Limitations. Fair value estimates are made at a specific point in time based on relevant market information and information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the entire holdings of a particular financial instrument. Because no fair value exists for a significant portion of the financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature, involve uncertainties and matters of judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. The fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to value anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets and liabilities include premises and equipment, and advances from borrowers for taxes and insurance. In addition, the ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. Finally, reasonable comparability between financial institutions may not be likely due to the wide range of permitted valuation techniques and numerous estimates which must be made given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies introduces a greater degree of subjectivity to these estimated fair values.

COMPREHENSIVE INCOME (LOSS)

COMPREHENSIVE INCOME (LOSS)	9 Months Ended
	Mar. 31, 2024
Equity [Abstract]
COMPREHENSIVE INCOME (LOSS)	COMPREHENSIVE INCOME (LOSS) The components of accumulated other comprehensive loss included in stockholders’ equity at March 31, 2024 and June 30, 2023 are as follows: March 31, June 30, (In Thousands) Net unrealized loss on securities available for sale $ (133,518) $ (156,138) Tax effect 38,499 45,018 Net of tax amount (95,019) (111,120) Fair value adjustments on derivatives 44,039 58,414 Tax effect (12,771) (16,940) Net of tax amount 31,268 41,474 Benefit plan adjustments 129 268 Tax effect (37) (78) Net of tax amount 92 190 Total accumulated other comprehensive loss $ (63,659) $ (69,456) Other comprehensive loss and related tax effects for the three and nine months ended March 31, 2024 and 2023 are presented in the following table: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Net unrealized holding (loss) gain on securities available for sale $ (9,061) $ 9,713 $ 4,485 $ (38,324) Net realized loss on sale and call of securities available for sale (1) — — 18,135 15,227 Fair value adjustments on derivatives 9,337 (15,397) (14,375) (1,134) Benefit plans: Accretion of net actuarial gain (2) (15) (6) (44) (18) Net actuarial loss — — (95) (27) Net change in benefit plan accrued expense (15) (6) (139) (45) Other comprehensive income (loss) before taxes 261 (5,690) 8,106 (24,276) Tax effect (90) 1,658 (2,309) 6,950 Total other comprehensive income (loss) $ 171 $ (4,032) $ 5,797 $ (17,326) ___________________________________ (1) Represents amounts reclassified out of accumulated other comprehensive loss and included in loss on sale of securities on the Consolidated Statements of Income. (2) Represents amounts reclassified out of accumulated other comprehensive loss and included in the computation of net periodic pension expense. See Note 10 - Benefit Plans for additional information.

NET INCOME PER COMMON SHARE (_E

NET INCOME PER COMMON SHARE (“EPS”)	9 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
NET INCOME PER COMMON SHARE (“EPS”)	NET INCOME PER COMMON SHARE (“EPS”) The following schedule shows the Company’s earnings per share calculations for the periods presented: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands, Except Per Share Data) Net income $ 7,397 $ 10,312 $ 3,412 $ 28,798 Weighted average number of common shares outstanding - basic 62,205 64,769 62,507 65,181 Effect of dilutive securities 6 14 — 10 Weighted average number of common shares outstanding - diluted 62,211 64,783 62,507 65,191 Basic earnings per share $ 0.12 $ 0.16 $ 0.06 $ 0.44 Diluted earnings per share $ 0.12 $ 0.16 $ 0.06 $ 0.44 Stock options for 2,820,922 and 2,993,530 shares of common stock were not considered in computing diluted earnings per share for the three months ended March 31, 2024 and 2023, respectively, and stock options for 2,820,922 and 2,986,628 shares of common stock were not considered in computing diluted earnings per share for the nine months ended March 31, 2024 and 2023, respectively, because they were considered anti-dilutive. In addition, 635,650 and 427,347 RSUs were not considered in computing diluted earnings per share for the three months ended March 31, 2024 and March 31, 2023, respectively and 689,252 and 427,347 RSUs were not considered in computing diluted earnings per share for the three and nine months ended March 31, 2024 and March 31, 2023, respectively because they were considered anti-dilutive.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net Income	$ 7,397	$ 10,312	$ 3,412	$ 28,798

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation The unaudited consolidated financial statements include the accounts of Kearny Financial Corp. (the “Company”), its wholly-owned subsidiary, Kearny Bank (the “Bank”) and the Bank’s wholly-owned subsidiaries. The Company conducts its business principally through the Bank. Management prepared the unaudited consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”), including the elimination of all significant inter-company accounts and transactions during consolidation.
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include the information or footnotes necessary for a complete presentation of financial condition, income, comprehensive income, changes in stockholders’ equity and cash flows in conformity with GAAP. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the unaudited consolidated financial statements have been included. The results of operations for the nine months ended March 31, 2024 are not necessarily indicative of the results that may be expected for the entire fiscal year or any other period. The data in the Consolidated Statement of Financial Condition at June 30, 2023 was derived from the Company’s 2023 Annual Report on Form 10-K. That data, along with the interim unaudited financial information presented in the Consolidated Statements of Financial Condition, Income, Comprehensive Income, Changes in Stockholders’ Equity and Cash Flows should be read in conjunction with the audited consolidated financial statements, including the notes thereto, included in the Company’s 2023 Annual Report on Form 10-K. The accounting and reporting policies of the Company conform to U.S. GAAP and to general practice within the financial services industry. A discussion of these policies can be found in Note 1, Summary of Significant Accounting Policies, included in the Company’s 2023 Annual Report on Form 10-K. There have been no material changes to the Company’s significant accounting policies since June 30, 2023.
Recent Accounting Pronouncements and Recently Adopted Accounting Standards	RECENT ACCOUNTING PRONOUNCEMENTS In November 2023, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures . This ASU requires enhanced disclosures of segment information for all public entities, including those that have a single reportable segment, primarily in the area of segment revenues and expenses. Entities that have a single reportable segment, like the Company, will be required to provide all the disclosures required by this ASU and all existing segment disclosures requirements in ASC 280, Segment Reporting . This ASU is effective for the Company on July 1, 2024. The Company is currently evaluating the effect this ASU will have on the Company’s segment disclosures. Recently Adopted Accounting Standards In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures (“ASU 2022-02”) to improve the usefulness of information provided to investors about certain loan refinancings, restructurings and writeoffs. ASU 2022-02 eliminates the accounting guidance for troubled debt restructurings by creditors and enhances disclosure requirements for certain modifications made to borrowers experiencing financial difficulty. In addition, ASU 2022-02 requires public business entities to disclose current-period gross writeoffs for financing receivables and net investments in leases by year of origination in the vintage disclosures. For entities that have adopted ASU 2016-13, the amendments in ASU 2022-02 are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Effective July 1, 2023, the Company adopted ASU 2022-02. Under ASU 2022-02, the Company assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof. The Company adopted ASU 2022-02 on a prospective basis. The adoption of this update did not have a material effect on the Company’s consolidated financial statements. Additional disclosures are included in Note 5 to the consolidated financial statements. Prior to the adoption of ASU 2022-02, a Troubled Debt Restructuring (“TDR”) occurred when the terms of a loan were modified because of deterioration in the financial condition of the borrower. Modifications could include extension of the repayment terms of the loan, reduced interest rates, or forgiveness of accrued interest and/or principal. For the Company's accounting policy related to TDRs granted prior to the adoption of ASU 2022-02, see “Note 1. Summary of Significant Accounting Policies” included in “Item 8. Financial Statements and Supplementary Data” in the Company’s Annual Report on Form 10-K for the year ended June 30, 2023.
Fair Value of Financial Instruments	Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability or inputs that are derived principally from, or corroborated by, market data by correlation or other means. 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. Assets and Liabilities Measured on a Recurring Basis: The following methods and significant assumptions were used to estimate the fair values as of March 31, 2024 and June 30, 2023: Investment Securities Available for Sale The Company’s available for sale investment securities are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the securities’ terms and conditions, among other things. From time to time, the Company validates prices supplied by the independent pricing service by comparison to prices obtained from third-party sources or derived using internal models. Derivatives The Company has contracted with a third party vendor to provide periodic valuations for its interest rate derivatives to determine the fair value of its interest rate contracts. The vendor utilizes standard valuation methodologies applicable to interest rate derivatives such as discounted cash flow analysis and extensions of the Black-Scholes model. Such valuations are based upon readily observable market data and are therefore considered Level 2 valuations by the Company. Assets Measured on a Non-Recurring Basis: The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a non-recurring basis at March 31, 2024 and June 30, 2023: Individually Analyzed Collateral Dependent Loans The fair value of collateral dependent loans that are individually analyzed is determined based upon the appraised fair value of the underlying collateral, less costs to sell. Such collateral primarily consists of real estate and, to a lesser extent, other business assets. Management may also adjust appraised values to reflect estimated changes in market values or apply other adjustments to appraised values resulting from its knowledge of the collateral. Internal valuations may be utilized to determine the fair value of other business assets. For non-collateral-dependent loans, management estimates fair value using discounted cash flows based on inputs that are largely unobservable and instead reflect management’s own estimates of the assumptions as a market participant would in pricing such loans. Individually analyzed collateral dependent loans are considered a Level 3 valuation by the Company. Other Real Estate Owned Other real estate owned is recorded at estimated fair value, less estimated selling costs when acquired, thus establishing a new cost basis. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers’ market knowledge and experience. When an asset is acquired, the excess of the loan balance over fair value, less estimated selling costs, is charged to the allowance for credit losses. If further declines in the estimated fair value of the asset occur, a write-down is recorded through expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in economic conditions. Other real estate owned is considered a Level 3 valuation by the Company.

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	The following tables present the amortized cost, gross unrealized gains and losses and estimated fair values for available for sale securities and the amortized cost, gross unrecognized gains and losses and estimated fair values for held to maturity securities as of the dates indicated: March 31, 2024 Amortized Gross Gross Allowance for Fair (In Thousands) Available for sale: Debt securities: Asset-backed securities $ 86,707 $ 193 $ 540 $ — $ 86,360 Collateralized loan obligations 405,125 2,023 453 — 406,695 Corporate bonds 145,911 — 20,830 — 125,081 Total debt securities 637,743 2,216 21,823 — 618,136 Mortgage-backed securities: Residential pass-through securities (1) 437,009 7 92,044 — 344,972 Commercial pass-through securities (1) 157,421 — 21,874 — 135,547 Total mortgage-backed securities 594,430 7 113,918 — 480,519 Total securities available for sale $ 1,232,173 $ 2,223 $ 135,741 $ — $ 1,098,655 ___________________________ (1) Government-sponsored enterprises. June 30, 2023 Amortized Gross Gross Allowance for Fair (In Thousands) Available for sale: Debt securities: Asset-backed securities $ 138,281 $ 4 $ 2,115 $ — $ 136,170 Collateralized loan obligations 381,915 268 5,187 — 376,996 Corporate bonds 159,666 — 24,648 — 135,018 Total debt securities 679,862 272 31,950 — 648,184 Mortgage-backed securities: Residential pass-through securities (1) 539,506 2 103,357 — 436,151 Commercial pass-through securities (1) 164,499 — 21,105 — 143,394 Total mortgage-backed securities 704,005 2 124,462 — 579,545 Total securities available for sale $ 1,383,867 $ 274 $ 156,412 $ — $ 1,227,729 ___________________________ (1) Government-sponsored enterprises.
Amortized Cost, Gross Unrecognized Gains and Losses and Fair Values of Securities	March 31, 2024 Amortized Gross Gross Allowance for Fair (In Thousands) Held to maturity: Debt securities: Obligations of state and political subdivisions $ 14,345 $ 2 $ 271 $ — $ 14,076 Total debt securities 14,345 2 271 — 14,076 Mortgage-backed securities: Residential pass-through securities (1) 113,075 — 13,727 — 99,348 Commercial pass-through securities (1) 12,223 — 2,071 — 10,152 Total mortgage-backed securities 125,298 — 15,798 — 109,500 Total securities held to maturity $ 139,643 $ 2 $ 16,069 $ — $ 123,576 ___________________________ (1) Government-sponsored enterprises. June 30, 2023 Amortized Gross Gross Allowance for Fair (In Thousands) Held to maturity: Debt securities: Obligations of state and political subdivisions $ 16,051 $ — $ 321 $ — $ 15,730 Total debt securities 16,051 — 321 — 15,730 Mortgage-backed securities: Residential pass-through securities (1) 118,166 — 12,736 — 105,430 Commercial pass-through securities (1) 12,248 — 2,239 — 10,009 Total mortgage-backed securities 130,414 — 14,975 — 115,439 Total securities held to maturity $ 146,465 $ — $ 15,296 $ — $ 131,169 ___________________________ (1) Government-sponsored enterprises.
Stratification by Contractual Maturity of Securities	Excluding the balances of mortgage-backed securities, the following tables present the amortized cost and estimated fair values of debt securities available for sale and held to maturity, by contractual maturity, at March 31, 2024: March 31, 2024 Amortized Fair (In Thousands) Available for sale debt securities: Due in one year or less $ — $ — Due after one year through five years 31,865 29,942 Due after five years through ten years 379,427 363,512 Due after ten years 226,451 224,682 Total $ 637,743 $ 618,136 March 31, 2024 Amortized Fair (In Thousands) Held to maturity debt securities: Due in one year or less $ 5,629 $ 5,581 Due after one year through five years 8,108 7,908 Due after five years through ten years 608 587 Due after ten years — — Total $ 14,345 $ 14,076
Sales and Calls of Securities Available-for-Sale	Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Available for sale securities sold: Proceeds from sales of securities $ — $ — $ 104,083 $ 105,199 Gross realized losses $ — $ — $ (18,135) $ (15,227) Net loss on sales of securities $ — $ — $ (18,135) $ (15,227)
Schedule of Available-for-Sale Securities Pledged	The carrying value of securities pledged were as follows as of the dates presented below: March 31, June 30, (In Thousands) Securities pledged: Pledged to secure public funds on deposit $ 154,608 $ 201,239 Pledged for potential borrowings at the Federal Reserve Bank of New York 507,101 529,216 Pledged for the bank term funding program 90,796 — Total carrying value of securities pledged $ 752,505 $ 730,455
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value	The following tables present the gross unrealized losses on securities and the estimated fair value of the related securities, aggregated by investment category and length of time that securities have been in a continuous unrealized loss position within the available for sale portfolio at March 31, 2024 and June 30, 2023: March 31, 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Number of Securities Fair Unrealized (Dollars in Thousands) Securities Available for Sale: Asset-backed securities $ 17,864 $ 378 $ 55,186 $ 162 10 $ 73,050 $ 540 Collateralized loan obligations 851 — 126,886 453 10 127,737 453 Corporate bonds — — 125,081 20,830 27 125,081 20,830 Commercial pass-through securities 46,890 1,217 88,656 20,657 9 135,546 21,874 Residential pass-through securities 56 1 344,458 92,043 102 344,514 92,044 Total $ 65,661 $ 1,596 $ 740,267 $ 134,145 158 $ 805,928 $ 135,741 June 30, 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Number of Securities Fair Unrealized (Dollars in Thousands) Securities Available for Sale: Asset-backed securities $ 33,833 $ 129 $ 98,828 $ 1,986 14 $ 132,661 $ 2,115 Collateralized loan obligations 46,903 135 294,813 5,052 26 341,716 5,187 Corporate bonds 25,511 1,354 109,507 23,294 31 135,018 24,648 Commercial pass-through securities 63,531 1,380 79,863 19,725 12 143,394 21,105 Residential pass-through securities 10,520 702 425,170 102,655 108 435,690 103,357 Total $ 180,298 $ 3,700 $ 1,008,181 $ 152,712 191 $ 1,188,479 $ 156,412
Schedule of Unrealized Loss on Investments	The following table presents the gross unrecognized losses on securities and the estimated fair value of the related securities, aggregated by investment category and length of time that securities have been in a continuous unrecognized loss position within the held to maturity portfolio at March 31, 2024 and June 30, 2023: March 31, 2024 Less than 12 Months 12 Months or More Total Fair Unrecognized Fair Unrecognized Number of Securities Fair Unrecognized (Dollars in Thousands) Securities Held to Maturity: Obligations of state and political subdivisions $ 458 $ 6 $ 13,317 $ 265 26 $ 13,775 $ 271 Commercial pass-through securities — — 10,152 2,071 1 10,152 2,071 Residential pass-through securities 36,152 201 63,196 13,526 9 99,348 13,727 Total $ 36,610 $ 207 $ 86,665 $ 15,862 36 $ 123,275 $ 16,069 June 30, 2023 Less than 12 Months 12 Months or More Total Fair Unrecognized Fair Unrecognized Number of Securities Fair Unrecognized (Dollars in Thousands) Securities Held to Maturity: Obligations of state and political subdivisions $ 13,642 $ 268 $ 2,088 $ 53 32 $ 15,730 $ 321 Commercial pass-through securities — — 10,009 2,239 1 10,009 2,239 Residential pass-through securities 38,135 319 67,295 12,417 9 105,430 12,736 Total $ 51,777 $ 587 $ 79,392 $ 14,709 42 $ 131,169 $ 15,296

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	9 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Schedule of Loans Receivable	The following table sets forth the composition of the Company’s loan portfolio at March 31, 2024 and June 30, 2023: March 31, June 30, (In Thousands) Commercial loans: Multi-family mortgage $ 2,645,195 $ 2,761,775 Nonresidential mortgage 965,539 968,574 Commercial business 147,326 146,861 Construction 229,457 226,609 Total commercial loans 3,987,517 4,103,819 One- to four-family residential mortgage 1,741,644 1,700,559 Consumer loans: Home equity loans 42,731 43,549 Other consumer 3,198 2,549 Total consumer loans 45,929 46,098 Total loans 5,775,090 5,850,476 Unaccreted yield adjustments (1) (16,754) (21,055) Total loans receivable, net of yield adjustments $ 5,758,336 $ 5,829,421 ___________________________ (1) At March 31, 2024 and June 30, 2023 , included a fair value adjustment to the carrying amount of hedged one- to four-family residential mortgage loans.
Contractual Payment Status of Past Loans Receivable	The following tables present the payment status of past due loans as of March 31, 2024 and June 30, 2023, by loan segment: Payment Status 30-59 Days 60-89 Days 90 Days and Over Total Past Due Current Total (In Thousands) Multi-family mortgage $ 2,725 $ — $ 19,912 $ 22,637 $ 2,622,558 $ 2,645,195 Nonresidential mortgage 5,912 174 3,230 9,316 956,223 965,539 Commercial business 1,495 104 640 2,239 145,087 147,326 Construction — — — — 229,457 229,457 One- to four-family residential mortgage 2,308 2,043 2,893 7,244 1,734,400 1,741,644 Home equity loans 325 25 19 369 42,362 42,731 Other consumer — — — — 3,198 3,198 Total loans $ 12,765 $ 2,346 $ 26,694 $ 41,805 $ 5,733,285 $ 5,775,090 Payment Status 30-59 Days 60-89 Days 90 Days and Over Total Past Due Current Total (In Thousands) Multi-family mortgage $ 2,958 $ — $ 10,756 $ 13,714 $ 2,748,061 $ 2,761,775 Nonresidential mortgage 792 — 8,233 9,025 959,549 968,574 Commercial business 528 16 236 780 146,081 146,861 Construction — — — — 226,609 226,609 One- to four-family residential mortgage 2,019 1,202 3,731 6,952 1,693,607 1,700,559 Home equity loans 25 — 50 75 43,474 43,549 Other consumer — — — — 2,549 2,549 Total loans $ 6,322 $ 1,218 $ 23,006 $ 30,546 $ 5,819,930 $ 5,850,476
Performance Status of Loans Receivable	The following tables present information relating to the Company’s nonperforming loans as of March 31, 2024 and June 30, 2023: Performance Status 90 Days and Over Past Due Accruing Nonaccrual Loans with Allowance for Credit Losses Nonaccrual Loans with no Allowance for Credit Losses Total Nonperforming Performing Total (In Thousands) Multi-family mortgage $ — $ 1,904 $ 23,278 $ 25,182 $ 2,620,013 $ 2,645,195 Nonresidential mortgage — 174 4,314 4,488 961,051 965,539 Commercial business — 827 3,362 4,189 143,137 147,326 Construction — — — — 229,457 229,457 One- to four-family residential mortgage — 1,379 4,263 5,642 1,736,002 1,741,644 Home equity loans — — 45 45 42,686 42,731 Other consumer — — — — 3,198 3,198 Total loans $ — $ 4,284 $ 35,262 $ 39,546 $ 5,735,544 $ 5,775,090 Performance Status 90 Days and Over Past Due Accruing Nonaccrual Loans with Allowance for Credit Losses Nonaccrual Loans with no Allowance for Credit Losses Total Nonperforming Performing Total (In Thousands) Multi-family mortgage $ — $ 5,686 $ 13,428 $ 19,114 $ 2,742,661 $ 2,761,775 Nonresidential mortgage — 11,815 4,725 16,540 952,034 968,574 Commercial business — 71 181 252 146,609 146,861 Construction — — — — 226,609 226,609 One- to four-family residential mortgage — 1,640 5,031 6,671 1,693,888 1,700,559 Home equity loans — — 50 50 43,499 43,549 Other consumer — — — — 2,549 2,549 Total loans $ — $ 19,212 $ 23,415 $ 42,627 $ 5,807,849 $ 5,850,476
Troubled Debt Restructurings of Loans Receivable	The following tables presents the amortized cost basis at March 31, 2024 of loan modifications made to borrowers experiencing financial difficulty that were restructured during the three and nine months ended March 31, 2024 by type of modification: Three Months Ended March 31, 2024 Payment Delay Term Extension Total Percent of Total Class (Dollars In Thousands) Nonresidential mortgage $ — $ 786 $ 786 0.08 % Total $ — $ 786 $ 786 0.01 % Nine Months Ended March 31, 2024 Payment Delay Term Extension Total Percent of Total Class (Dollars In Thousands) Multi-family mortgage $ 2,774 $ — $ 2,774 0.10 % Nonresidential mortgage — 786 786 0.08 % Commercial business 45 — 45 0.03 % One- to four-family residential mortgage 489 45 534 0.03 % Home equity loans — 25 25 0.06 % Total $ 3,308 $ 856 $ 4,164 0.08 % The following table presents total TDRs at June 30, 2023: June 30, 2023 Accrual Non-accrual Total # of Loans Amount # of Loans Amount # of Loans Amount (Dollars In Thousands) Commercial loans: Multi-family mortgage — $ — 2 $ 5,400 2 $ 5,400 Nonresidential mortgage 3 170 2 700 5 870 Commercial business 6 3,197 — — 6 3,197 Total commercial loans 9 3,367 4 6,100 13 9,467 One- to four-family residential mortgage 39 6,752 4 774 43 7,526 Consumer loans: Home equity loans 6 368 — — 6 368 Total 54 $ 10,487 8 $ 6,874 62 $ 17,361 The following table presents information regarding TDRs that occurred during the three and nine months ended March 31, 2023: Three Months Ended March 31, 2023 # of Loans Pre- Post- (Dollars In Thousands) Commercial business 1 $ 67 $ 67 Total 1 $ 67 $ 67 Nine Months Ended March 31, 2023 # of Loans Pre- Post- (Dollars In Thousands) Commercial business 2 $ 74 $ 74 One- to four-family residential mortgage 2 708 705 Home equity loans 1 35 35 Total 5 $ 817 $ 814
Carrying Value of Collateral Dependent Individually Analyzed Loans	The following table presents the carrying value and related allowance of collateral dependent individually analyzed loans at the dates indicated: March 31, 2024 June 30, 2023 Carrying Value Related Allowance Carrying Value Related Allowance (In Thousands) Commercial loans: Multi-family mortgage $ 25,182 $ 9 $ 19,114 $ 326 Nonresidential mortgage (1) 3,230 — 16,207 3,001 Commercial business (2) 3,323 — — — Total commercial loans 31,735 9 35,321 3,327 One- to four-family residential mortgage (2) 1,056 — 2,875 — Consumer loans: Home equity loans (2) 19 — — — Total $ 32,810 $ 9 $ 38,196 $ 3,327 ___________________________ (1) Secured by income-producing nonresidential property. (2) Secured by one- to four-family residential properties.
Credit-Rating Classification of Loans Receivable	The following table presents the risk category of loans and current period gross charge-offs as of March 31, 2024 by loan segment and vintage year: Term Loans by Origination Year for Fiscal Years ended June 30, 2024 2023 2022 2021 2020 Prior Revolving Loans Total (In Thousands) Multi-family mortgage: Pass $ 16,520 $ 598,167 $ 953,096 $ 217,401 $ 201,040 $ 611,894 $ — $ 2,598,118 Special Mention — — — — — 6,519 — 6,519 Substandard — — — 9,626 — 30,932 — 40,558 Doubtful — — — — — — — — Total multi-family mortgage 16,520 598,167 953,096 227,027 201,040 649,345 — 2,645,195 Multi-family current period gross charge-offs — — — — — 389 — 389 Nonresidential mortgage: Pass 64,851 106,424 205,793 90,222 50,767 420,499 150 938,706 Special Mention — — — — — 11,217 — 11,217 Substandard — — — 871 — 14,745 — 15,616 Doubtful — — — — — — — — Total nonresidential mortgage 64,851 106,424 205,793 91,093 50,767 446,461 150 965,539 Nonresidential current period gross charge-offs — — — — — 5,975 — 5,975 Commercial business: Pass 10,216 8,906 26,884 18,963 6,401 8,470 57,867 137,707 Special Mention — — 1,618 464 — 1,775 — 3,857 Substandard — — — 3,406 179 2,049 128 5,762 Doubtful — — — — — — — — Total commercial business 10,216 8,906 28,502 22,833 6,580 12,294 57,995 147,326 Commercial current period gross charge-offs — — — 5 336 11 — 352 Construction loans: Pass 36,988 43,602 43,182 67,408 8,352 3,751 5,735 209,018 Special Mention — — — 20,439 — — — 20,439 Substandard — — — — — — — — Doubtful — — — — — — — — Total construction loans 36,988 43,602 43,182 87,847 8,352 3,751 5,735 229,457 Residential mortgage: Pass 139,316 185,852 439,300 467,793 78,137 419,604 267 1,730,269 Special Mention — 514 — — — 1,656 — 2,170 Substandard — — 528 — — 8,677 — 9,205 Doubtful — — — — — — — — Total residential mortgage 139,316 186,366 439,828 467,793 78,137 429,937 267 1,741,644 Residential current period gross charge-offs — — — — — 37 — 37 Home equity loans: Pass 1,239 6,082 2,300 359 1,069 8,406 22,934 42,389 Special Mention — — — — — — 95 95 Substandard — — — — — 247 — 247 Doubtful — — — — — — — — Total home equity loans 1,239 6,082 2,300 359 1,069 8,653 23,029 42,731 Other consumer loans Pass 1,017 231 213 129 466 1,015 40 3,111 Special Mention — — — — — — — — Substandard — — — — — — 1 1 Doubtful — — — — — — 86 86 Other consumer loans 1,017 231 213 129 466 1,015 127 3,198 Total loans $ 270,147 $ 949,778 $ 1,672,914 $ 897,081 $ 346,411 $ 1,551,456 $ 87,303 $ 5,775,090 Total current period gross charge-offs $ — $ — $ — $ 5 $ 336 $ 6,412 $ — $ 6,753 The following table presents the risk category of loans as of June 30, 2023 by loan segment and vintage year: Term Loans by Origination Year for Fiscal Years ended June 30, 2023 2022 2021 2020 2019 Prior Revolving Loans Total (In Thousands) Multi-family mortgage: Pass $ 603,260 $ 954,554 $ 213,482 $ 198,969 $ 226,929 $ 510,485 $ — $ 2,707,679 Special Mention — — — — 6,006 6,647 — 12,653 Substandard — — 9,809 — 9,432 22,202 — 41,443 Doubtful — — — — — — — — Total multi-family mortgage 603,260 954,554 223,291 198,969 242,367 539,334 — 2,761,775 Nonresidential mortgage: Pass 109,725 220,443 83,032 51,933 59,197 414,742 6,000 945,072 Special Mention — — — — — 378 — 378 Substandard — — 708 — 919 21,497 — 23,124 Doubtful — — — — — — — — Total nonresidential mortgage 109,725 220,443 83,740 51,933 60,116 436,617 6,000 968,574 Commercial business: Pass 10,364 28,644 25,304 7,875 1,731 8,776 59,031 141,725 Special Mention — — — 47 176 2,456 371 3,050 Substandard — — — 395 60 1,385 246 2,086 Doubtful — — — — — — — — Total commercial business 10,364 28,644 25,304 8,317 1,967 12,617 59,648 146,861 Construction loans: Pass 25,070 36,389 143,086 12,275 2,961 1,093 5,735 226,609 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total construction loans 25,070 36,389 143,086 12,275 2,961 1,093 5,735 226,609 Residential mortgage: Pass 195,521 454,504 491,460 80,431 45,741 422,472 — 1,690,129 Special Mention — — — — 1,168 425 — 1,593 Substandard — 542 — — 80 8,215 — 8,837 Doubtful — — — — — — — — Total residential mortgage 195,521 455,046 491,460 80,431 46,989 431,112 — 1,700,559 Home equity loans: Pass 7,682 2,567 607 1,264 2,478 7,280 21,384 43,262 Special Mention — — — — — — — — Substandard — — — — — 287 — 287 Doubtful — — — — — — — — Total home equity loans 7,682 2,567 607 1,264 2,478 7,567 21,384 43,549 Other consumer loans Pass 367 247 110 494 302 912 42 2,474 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — 75 75 Other consumer loans 367 247 110 494 302 912 117 2,549 Total loans $ 951,989 $ 1,697,890 $ 967,598 $ 353,683 $ 357,180 $ 1,429,252 $ 92,884 $ 5,850,476

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Allowance for Credit Losses and Balance of Loans Receivable	The following tables present the balance of the allowance for credit losses at March 31, 2024 and June 30, 2023. The balance of the allowance for credit losses is based on an expected loss methodology, referred to as the “CECL” methodology. The tables identify the valuation allowances attributable to specifically identified impairments on individually analyzed loans, including those acquired with deteriorated credit quality, as well as valuation allowances for impairments on loans collectively evaluated. The tables include the underlying balance of loans receivable applicable to each category as of those dates. Allowance for Credit Losses Loans Loans Loans individually Loans collectively Total allowance for credit losses (In Thousands) Multi-family mortgage $ — $ — $ 9 $ 24,187 $ 24,196 Nonresidential mortgage — 34 8 6,008 6,050 Commercial business — 22 186 1,337 1,545 Construction — — — 1,350 1,350 One- to four-family residential mortgage 12 101 12 11,250 11,375 Home equity loans — — — 330 330 Other consumer — — — 84 84 Total loans $ 12 $ 157 $ 215 $ 44,546 $ 44,930 Balance of Loans Receivable Loans Loans Loans individually Loans collectively Total loans (In Thousands) Multi-family mortgage $ — $ — $ 25,182 $ 2,620,013 $ 2,645,195 Nonresidential mortgage 298 2,207 4,190 958,844 965,539 Commercial business — 4,523 4,189 138,614 147,326 Construction — 5,735 — 223,722 229,457 One- to four-family residential mortgage 955 3,821 4,687 1,732,181 1,741,644 Home equity loans 24 — 21 42,686 42,731 Other consumer — — — 3,198 3,198 Total loans $ 1,277 $ 16,286 $ 38,269 $ 5,719,258 $ 5,775,090 Unaccreted yield adjustments (16,754) Loans receivable, net of yield adjustments $ 5,758,336 Allowance for Credit Losses Loans Loans Loans individually Loans collectively Total allowance for credit losses (In Thousands) Multi-family mortgage $ — $ — $ 326 $ 26,036 $ 26,362 Nonresidential mortgage — 70 3,001 5,882 8,953 Commercial business — 9 20 1,411 1,440 Construction — — — 1,336 1,336 One- to four-family residential mortgage 3 132 70 10,032 10,237 Home equity loans — — — 338 338 Other consumer — — — 68 68 Total loans $ 3 $ 211 $ 3,417 $ 45,103 $ 48,734 Balance of Loans Receivable Loans Loans Loans individually Loans collectively Total loans (In Thousands) Multi-family mortgage $ — $ — $ 19,114 $ 2,742,661 $ 2,761,775 Nonresidential mortgage 333 3,562 16,207 948,472 968,574 Commercial business — 4,237 252 142,372 146,861 Construction — 5,735 — 220,874 226,609 One- to four-family residential mortgage 570 4,433 6,101 1,689,455 1,700,559 Home equity loans 25 — 25 43,499 43,549 Other consumer — — — 2,549 2,549 Total loans $ 928 $ 17,967 $ 41,699 $ 5,789,882 $ 5,850,476 Unaccreted yield adjustments (21,055) Loans receivable, net of yield adjustments $ 5,829,421 The following tables present the activity in the allowance for credit losses on loans for the three and nine months ended March 31, 2024 and 2023. Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 24,462 $ (35) $ — $ (231) $ 24,196 Nonresidential mortgage 5,888 (253) — 415 6,050 Commercial business 1,293 (5) 7 250 1,545 Construction 1,171 — — 179 1,350 One- to four-family residential mortgage 11,653 — — (278) 11,375 Home equity loans 330 — — — 330 Other consumer 70 — — 14 84 Total loans $ 44,867 $ (293) $ 7 $ 349 $ 44,930 Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 26,362 $ (389) $ — $ (1,777) $ 24,196 Nonresidential mortgage 8,953 (5,975) 120 2,952 6,050 Commercial business 1,440 (352) 17 440 1,545 Construction 1,336 — — 14 1,350 One- to four-family residential mortgage 10,237 (37) 113 1,062 11,375 Home equity loans 338 — — (8) 330 Other consumer 68 — — 16 84 Total loans $ 48,734 $ (6,753) $ 250 $ 2,699 $ 44,930 Changes in the Allowance for Credit Losses Balance at Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 27,498 $ (4) $ — $ (322) $ 27,172 Nonresidential mortgage 8,593 (6) — (343) 8,244 Commercial business 1,819 (205) 7 108 1,729 Construction 1,201 — — 115 1,316 One- to four-family residential mortgage 9,355 — 2 908 10,265 Home equity loans 339 — — (12) 327 Other consumer 72 — — (3) 69 Total loans $ 48,877 $ (215) $ 9 $ 451 $ 49,122 Changes in the Allowance for Credit Losses Balance at June 30, 2022 Charge-offs Recoveries Provision for Balance at (In Thousands) Multi-family mortgage $ 25,321 $ (399) $ — $ 2,250 $ 27,172 Nonresidential mortgage 10,590 (21) — (2,325) 8,244 Commercial business 1,792 (338) 24 251 1,729 Construction 1,486 — — (170) 1,316 One- to four-family residential mortgage 7,540 — 2 2,723 10,265 Home equity loans 245 — — 82 327 Other consumer 84 — 4 (19) 69 Total loans $ 47,058 $ (758) $ 30 $ 2,792 $ 49,122
Allowance for Credit Losses on Financing Receivables Off Balance Sheet Commitments	The following table presents the activity in the allowance for credit losses on off balance sheet commitments recorded in other non-interest expense for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Balance at beginning of the period $ 567 $ 819 $ 741 $ 1,041 Provision for (reversal of) credit losses 198 (90) 24 (312) Balance at end of the period $ 765 $ 729 $ 765 $ 729

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Mar. 31, 2024
Deposits [Abstract]
Schedule of Deposits	Deposits at March 31, 2024 and June 30, 2023 are summarized as follows: March 31, June 30, (In Thousands) Non-interest-bearing demand $ 586,089 $ 609,999 Interest-bearing demand 2,349,032 2,252,912 Savings 630,456 748,721 Certificates of deposits 1,643,473 2,017,551 Total deposits $ 5,209,050 $ 5,629,183

BORROWINGS (Tables)

BORROWINGS (Tables)	9 Months Ended
	Mar. 31, 2024
Debt Disclosure [Abstract]
Schedule of Borrowings	Borrowings at March 31, 2024 and June 30, 2023 consisted of the following: March 31, June 30, (In Thousands) FHLB advances $ 1,357,178 $ 1,281,812 Federal Reserve Bank Term Funding Program ("BTFP") borrowings 100,000 — Overnight borrowings (1) 265,000 225,000 Total borrowings $ 1,722,178 $ 1,506,812 ___________________________ (1) At March 31, 2024, represented $265.0 million of FHLB overnight line of credit borrowings. At June 30, 2023, represented $125.0 million of FHLB overnight line of credit borrowings and $100.0 million of unsecured overnight borrowings from other financial institutions.
Schedule of Fixed Rate Advances from FHLB	Fixed rate advances from the FHLB of New York and BTFP borrowings mature as follows: March 31, 2024 June 30, 2023 Balance Weighted Balance Weighted (Dollars in Thousands) By remaining period to maturity: Less than one year $ 1,228,500 5.22 % $ 972,500 5.36 % One to two years 29,000 2.77 103,500 2.68 Two to three years — — 6,500 2.82 Three to four years 200,000 3.98 — — Four to five years — — 200,000 3.98 Greater than five years — — — — Total advances 1,457,500 5.00 % 1,282,500 4.92 % Unamortized fair value adjustments (322) (688) Total advances, net of fair value adjustments $ 1,457,178 $ 1,281,812

DERIVATIVE INSTRUMENTS AND HE_2

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	9 Months Ended
	Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Fair Values of Derivative Financial Instruments as well as Their Classification on Statement of Financial Condition	The tables below present the fair value of the Company’s derivative financial instruments as well as their classification on the Statements of Financial Condition as of March 31, 2024 and June 30, 2023: March 31, 2024 Asset Derivatives Liability Derivatives Location Fair Value Location Fair Value (In Thousands) Derivatives designated as hedging instruments: Interest rate contracts Other assets $ 55,794 Other liabilities $ — Total $ 55,794 $ — June 30, 2023 Asset Derivatives Liability Derivatives Location Fair Value Location Fair Value (In Thousands) Derivatives designated as hedging instruments: Interest rate contracts Other assets $ 71,624 Other liabilities $ — Total $ 71,624 $ — As of March 31, 2024 and June 30, 2023, the following amounts were recorded on the Statement of Financial Condition related to cumulative basis adjustment for fair value hedges: March 31, June 30, (In Thousands) Loans receivable: Carrying amount of the hedged assets (1) $ 665,640 $ 663,563 Fair value hedging adjustment included in the carrying amount of the hedged assets $ (9,360) $ (11,437) ___________________________________ (1)
Pre-tax Effects of Derivative Instruments on Consolidated Statements of Income	The table below presents the pre-tax effects of the Company’s derivative instruments designated as cash flow hedges on the Consolidated Statements of Income for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Amount of gain (loss) recognized in other comprehensive income $ 18,798 $ (8,936) $ 13,920 $ 11,051 Amount of gain reclassified from accumulated other comprehensive income to interest expense $ 9,461 $ 6,461 $ 28,295 $ 12,185
Derivative Instruments, Gain (Loss)	The table below presents the effects of the Company’s derivative instruments designated as fair value hedges on the Consolidated Statements of Income for the three and nine months ended March 31, 2024 and March 31, 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) (Loss) gain on hedged items recorded in interest income on loans $ (5,929) $ 5,681 $ 2,077 $ 653 Gain (loss) on hedges recorded in interest income on loans $ 8,565 $ (4,521) $ 5,832 $ 589
Offsetting Derivatives	The tables below present a gross presentation, the effects of offsetting, and a net presentation of the Company’s derivatives in the Consolidated Statements of Financial Condition as of March 31, 2024 and June 30, 2023, respectively. The net amounts presented for derivative assets or liabilities can be reconciled to the tabular disclosure of fair value. The tabular disclosure of fair value provides the location that derivative assets and liabilities are presented on the Consolidated Statements of Financial Condition. March 31, 2024 Gross Amounts Not Offset Gross Amount Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Received (Posted) Net Amount (In Thousands) Assets: Interest rate contracts $ 55,794 $ — $ 55,794 $ — $ — $ 55,794 Total $ 55,794 $ — $ 55,794 $ — $ — $ 55,794 June 30, 2023 Gross Amounts Not Offset Gross Amount Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Received (Posted) Net Amount (In Thousands) Assets: Interest rate contracts $ 72,418 $ (794) $ 71,624 $ — $ — $ 71,624 Total $ 72,418 $ (794) $ 71,624 $ — $ — $ 71,624 Liabilities: Interest rate contracts $ 794 $ (794) $ — $ — $ — $ — Total $ 794 $ (794) $ — $ — $ — $ —

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	9 Months Ended
	Mar. 31, 2024
Retirement Benefits [Abstract]
Schedule of Net Periodic Benefit Expense	The following table sets forth the aggregate net periodic benefit expense for the Bank’s Benefit Equalization Plan, Postretirement Welfare Plan, Directors’ Consultation and Retirement Plan, Atlas Bank Retirement Income Plan and Supplemental Executive Retirement Plan: Three Months Ended Nine Months Ended Affected Line Item in the Consolidated Statements of Income 2024 2023 2024 2023 (In Thousands) Service cost $ 20 $ 24 $ 58 $ 258 Salaries and employee benefits Interest cost 93 88 277 280 Other expense Accretion of unrecognized gain (15) (6) (45) (18) Other expense Expected return on assets (23) (25) (69) (75) Other expense Net periodic benefit cost $ 75 $ 81 $ 221 $ 445

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Mar. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation	The following table presents a reconciliation between the reported income taxes for the periods presented and the income taxes which would be computed by applying the federal income tax rate of 21% to income for the three and nine months ended March 31, 2024 and 2023: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (Dollars in Thousands) Income before income taxes $ 9,114 $ 13,214 $ 10,220 $ 36,988 Statutory federal tax rate 21 % 21 % 21 % 21 % Federal income tax at statutory rate $ 1,914 $ 2,775 $ 2,146 $ 7,767 (Reduction) increase in income taxes resulting from: Tax exempt interest (17) (20) (52) (125) State tax, net of federal tax effect 485 769 297 2,065 Incentive stock option compensation expense — 3 5 9 Income from bank-owned life insurance (504) (332) (1,218) (1,469) Surrender of bank-owned life insurance polices 76 — 5,789 — Other items, net (237) (293) (159) (57) Total income tax expense $ 1,717 $ 2,902 $ 6,808 $ 8,190 Effective income tax rate 18.84 % 21.96 % 66.61 % 22.14 %

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Mar. 31, 2024
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis	Those assets measured at fair value on a recurring basis are summarized below: March 31, 2024 Quoted Significant Significant Total (In Thousands) Assets: Debt securities available for sale: Asset-backed securities $ — $ 86,360 $ — $ 86,360 Collateralized loan obligations — 406,695 — 406,695 Corporate bonds — 125,081 — 125,081 Total debt securities — 618,136 — 618,136 Mortgage-backed securities available for sale: Residential pass-through securities — 344,972 — 344,972 Commercial pass-through securities — 135,547 — 135,547 Total mortgage-backed securities — 480,519 — 480,519 Total securities available for sale $ — $ 1,098,655 $ — $ 1,098,655 Interest rate contracts $ — $ 55,794 $ — $ 55,794 Total assets $ — $ 1,154,449 $ — $ 1,154,449 June 30, 2023 Quoted Prices Significant Significant Total (In Thousands) Assets: Debt securities available for sale: Asset-backed securities $ — $ 136,170 $ — $ 136,170 Collateralized loan obligations — 376,996 — 376,996 Corporate bonds — 135,018 — 135,018 Total debt securities — 648,184 — 648,184 Mortgage-backed securities available for sale: Residential pass-through securities — 436,151 — 436,151 Commercial pass-through securities — 143,394 — 143,394 Total mortgage-backed securities — 579,545 — 579,545 Total securities available for sale $ — $ 1,227,729 $ — $ 1,227,729 Interest rate contracts $ — $ 71,624 $ — $ 71,624 Total assets $ — $ 1,299,353 $ — $ 1,299,353
Schedule of Assets Measured at Fair Value on a Non-recurring Basis	Those assets measured at fair value on a non-recurring basis are summarized below: March 31, 2024 Quoted Prices Significant Significant Total (In Thousands) Collateral dependent loans: Multi-family mortgage $ — $ — $ 1,896 $ 1,896 Total $ — $ — $ 1,896 $ 1,896 June 30, 2023 Quoted Prices Significant Significant Total (In Thousands) Collateral dependent loans: Residential mortgage $ — $ — $ 449 $ 449 Multi-family mortgage — — 7,300 7,300 Nonresidential mortgage — — 9,972 9,972 Total $ — $ — $ 17,721 $ 17,721 Other real estate owned, net: Nonresidential $ — $ — $ 12,956 $ 12,956 Total $ — $ — $ 12,956 $ 12,956
Schedule of Quantitative Information about Level 3 Fair Value Measurements	The following tables present additional quantitative information about assets measured at fair value on a non-recurring basis and for which the Company has utilized adjusted Level 3 inputs to determine fair value: March 31, 2024 Fair Valuation Unobservable Range Weighted (Dollars in Thousands) Collateral dependent loans: Multi-family mortgage $ 1,896 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 13.09% 13.09 % Total $ 1,896 June 30, 2023 Fair Valuation Unobservable Range Weighted (Dollars in Thousands) Collateral dependent loans: Residential mortgage $ 449 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 6% - 9% 6.93 % Multi-family mortgage 7,300 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 6% - 9% 7.78 % Nonresidential mortgage 9,972 Market valuation of underlying collateral (1) Adjustments to reflect current conditions/selling costs (2) 9% - 16% 11.78 % Total $ 17,721 Other real estate owned, net: Nonresidential $ 12,956 Market valuation of underlying collateral (3) Adjustments to reflect current conditions/selling costs (2) 4.00% 4.00 % Total $ 12,956 ___________________________________ (1) The fair value of collateral dependent loans is generally determined based on an independent appraisal of the fair value of a loan’s underlying collateral. (2) The fair value basis of collateral dependent loans and other real estate owned is adjusted to reflect management’s estimates of selling costs including, but not limited to, real estate brokerage commissions and title transfer fees. (3) The fair value of other real estate owned is generally determined based upon the lower of an independent appraisal of the property’s fair value or the applicable listing price or contracted sales price.
Schedule of Carrying Amounts and Fair Values of Financial Instruments	The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of March 31, 2024 and June 30, 2023: March 31, 2024 Carrying Fair Quoted Significant Significant (In Thousands) Financial assets: Cash and cash equivalents $ 71,027 $ 71,027 $ 71,027 $ — $ — Investment securities available for sale 1,098,655 1,098,655 — 1,098,655 — Investment securities held to maturity 139,643 123,576 — 123,576 — Loans held-for-sale 4,117 4,159 — 4,159 — Net loans receivable 5,713,406 5,150,589 — — 5,150,589 FHLB Stock 81,347 — — — — Interest receivable 31,065 31,065 28 10,318 20,719 Interest rate contracts 55,794 55,794 — 55,794 — Financial liabilities: Deposits other than certificates of deposits 3,565,577 3,565,577 3,565,577 — — Certificates of deposits 1,643,473 1,632,554 — — 1,632,554 Borrowings 1,722,178 1,716,261 — — 1,716,261 Interest payable on deposits 5,849 5,849 3,611 — 2,238 Interest payable on borrowings 6,727 6,727 — — 6,727 June 30, 2023 Carrying Fair Quoted Significant Significant (In Thousands) Financial assets: Cash and cash equivalents $ 70,515 $ 70,515 $ 70,515 $ — $ — Investment securities available for sale 1,227,729 1,227,729 — 1,227,729 — Investment securities held to maturity 146,465 131,169 — 131,169 — Loans held-for-sale 9,591 9,442 — 9,442 — Net loans receivable 5,780,687 5,261,808 — — 5,261,808 FHLB Stock 71,734 — — — — Interest receivable 28,133 28,133 14 8,924 19,195 Interest rate contracts 71,624 71,624 — 71,624 — Financial liabilities: Deposits other than certificates of deposits 3,611,632 3,611,632 3,611,632 — — Certificates of deposits 2,017,551 1,989,434 — — 1,989,434 Borrowings 1,506,812 1,498,920 — — 1,498,920 Interest payable on deposits 6,826 6,826 1,933 — 4,893 Interest payable on borrowings 5,282 5,282 — — 5,282

COMPREHENSIVE INCOME (LOSS) (Ta

COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Mar. 31, 2024
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The components of accumulated other comprehensive loss included in stockholders’ equity at March 31, 2024 and June 30, 2023 are as follows: March 31, June 30, (In Thousands) Net unrealized loss on securities available for sale $ (133,518) $ (156,138) Tax effect 38,499 45,018 Net of tax amount (95,019) (111,120) Fair value adjustments on derivatives 44,039 58,414 Tax effect (12,771) (16,940) Net of tax amount 31,268 41,474 Benefit plan adjustments 129 268 Tax effect (37) (78) Net of tax amount 92 190 Total accumulated other comprehensive loss $ (63,659) $ (69,456)
Schedule of Comprehensive (Loss) Income	Other comprehensive loss and related tax effects for the three and nine months ended March 31, 2024 and 2023 are presented in the following table: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands) Net unrealized holding (loss) gain on securities available for sale $ (9,061) $ 9,713 $ 4,485 $ (38,324) Net realized loss on sale and call of securities available for sale (1) — — 18,135 15,227 Fair value adjustments on derivatives 9,337 (15,397) (14,375) (1,134) Benefit plans: Accretion of net actuarial gain (2) (15) (6) (44) (18) Net actuarial loss — — (95) (27) Net change in benefit plan accrued expense (15) (6) (139) (45) Other comprehensive income (loss) before taxes 261 (5,690) 8,106 (24,276) Tax effect (90) 1,658 (2,309) 6,950 Total other comprehensive income (loss) $ 171 $ (4,032) $ 5,797 $ (17,326) ___________________________________ (1) Represents amounts reclassified out of accumulated other comprehensive loss and included in loss on sale of securities on the Consolidated Statements of Income. (2) Represents amounts reclassified out of accumulated other comprehensive loss and included in the computation of net periodic pension expense. See Note 10 - Benefit Plans for additional information.

NET INCOME PER COMMON SHARE (_2

NET INCOME PER COMMON SHARE (“EPS”) (Tables)	9 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share Calculations	The following schedule shows the Company’s earnings per share calculations for the periods presented: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In Thousands, Except Per Share Data) Net income $ 7,397 $ 10,312 $ 3,412 $ 28,798 Weighted average number of common shares outstanding - basic 62,205 64,769 62,507 65,181 Effect of dilutive securities 6 14 — 10 Weighted average number of common shares outstanding - diluted 62,211 64,783 62,507 65,191 Basic earnings per share $ 0.12 $ 0.16 $ 0.06 $ 0.44 Diluted earnings per share $ 0.12 $ 0.16 $ 0.06 $ 0.44

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) - $ / shares		3 Months Ended		9 Months Ended
	Apr. 25, 2024	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Subsequent Event [Line Items]
Cash dividends declared (in dollars per share)		$ 0.11	$ 0.11	$ 0.33	$ 0.33
Subsequent Event
Subsequent Event [Line Items]
Cash dividends declared (in dollars per share)	$ 0.11

SECURITIES - Securities Availab

SECURITIES - Securities Available for Sale (Details) - USD ($)	Mar. 31, 2024	Jun. 30, 2023
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	$ 1,232,173,000	$ 1,383,867,000
Gross Unrealized Gains	2,223,000	274,000
Gross Unrealized Losses	135,741,000	156,412,000
Allowance for Credit Losses	0	0
Fair Value	1,098,655,000	1,227,729,000
Debt securities
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	637,743,000	679,862,000
Gross Unrealized Gains	2,216,000	272,000
Gross Unrealized Losses	21,823,000	31,950,000
Allowance for Credit Losses	0	0
Fair Value	618,136,000	648,184,000
Asset-backed securities
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	86,707,000	138,281,000
Gross Unrealized Gains	193,000	4,000
Gross Unrealized Losses	540,000	2,115,000
Allowance for Credit Losses	0	0
Fair Value	86,360,000	136,170,000
Collateralized loan obligations
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	405,125,000	381,915,000
Gross Unrealized Gains	2,023,000	268,000
Gross Unrealized Losses	453,000	5,187,000
Allowance for Credit Losses	0	0
Fair Value	406,695,000	376,996,000
Corporate bonds
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	145,911,000	159,666,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	20,830,000	24,648,000
Allowance for Credit Losses	0	0
Fair Value	125,081,000	135,018,000
Mortgage-backed securities
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	594,430,000	704,005,000
Gross Unrealized Gains	7,000	2,000
Gross Unrealized Losses	113,918,000	124,462,000
Allowance for Credit Losses	0	0
Fair Value	480,519,000	579,545,000
Residential pass-through securities
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	437,009,000	539,506,000
Gross Unrealized Gains	7,000	2,000
Gross Unrealized Losses	92,044,000	103,357,000
Allowance for Credit Losses	0	0
Fair Value	344,972,000	436,151,000
Commercial pass-through securities
Schedule of Available for Sale Securities [Line Items]
Amortized Cost	157,421,000	164,499,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	21,874,000	21,105,000
Allowance for Credit Losses	0	0
Fair Value	$ 135,547,000	$ 143,394,000

SECURITIES - Securities Held to

SECURITIES - Securities Held to Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	$ 139,643	$ 146,465
Gross Unrecognized Gains	2	0
Gross Unrecognized Losses	16,069	15,296
Allowance for Credit Losses	0	0
Fair Value	123,576	131,169
Debt securities
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	14,345	16,051
Gross Unrecognized Gains	2	0
Gross Unrecognized Losses	271	321
Allowance for Credit Losses	0	0
Fair Value	14,076	15,730
Obligations of state and political subdivisions
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	14,345	16,051
Gross Unrecognized Gains	2	0
Gross Unrecognized Losses	271	321
Allowance for Credit Losses	0	0
Fair Value	14,076	15,730
Mortgage-backed securities
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	125,298	130,414
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	15,798	14,975
Allowance for Credit Losses	0	0
Fair Value	109,500	115,439
Residential pass-through securities
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	113,075	118,166
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	13,727	12,736
Allowance for Credit Losses	0	0
Fair Value	99,348	105,430
Commercial pass-through securities
Schedule Of Held To Maturity Securities [Line Items]
Amortized Cost	12,223	12,248
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	2,071	2,239
Allowance for Credit Losses	0	0
Fair Value	$ 10,152	$ 10,009

SECURITIES - Stratification by

SECURITIES - Stratification by Contractual Maturity of Securities (Details) - Debt securities $ in Thousands	Mar. 31, 2024 USD ($)
Amortized Cost
Due in one year or less	$ 0
Due after one year through five years	31,865
Due after five years through ten years	379,427
Due after ten years	226,451
Amortized Cost	637,743
Fair Value
Due in one year or less	0
Due after one year through five years	29,942
Due after five years through ten years	363,512
Due after ten years	224,682
Fair Value	618,136
Amortized Cost
Due in one year or less	5,629
Due after one year through five years	8,108
Due after five years through ten years	608
Due after ten years	0
Amortized Cost	14,345
Fair Value
Due in one year or less	5,581
Due after one year through five years	7,908
Due after five years through ten years	587
Due after ten years	0
Fair Value	$ 14,076

SECURITIES - Gain on Sales of S

SECURITIES - Gain on Sales of Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Schedule of Available for Sale Securities [Line Items]
Proceeds from sales of securities			$ 104,083	$ 105,199
Available for sale securities sold
Schedule of Available for Sale Securities [Line Items]
Proceeds from sales of securities	$ 0	$ 0	104,083	105,199
Gross realized losses	0	0	(18,135)	(15,227)
Net loss on sales of securities	$ 0	$ 0	$ (18,135)	$ (15,227)

SECURITIES - Additional Informa

SECURITIES - Additional Information (Details) - USD ($)	Mar. 31, 2024	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Allowance for Credit Losses	$ 0	$ 0
Allowance for Credit Losses	$ 0	$ 0

SECURITIES - Schedule of Availa

SECURITIES - Schedule of Available for Sale Securities Pledged (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Schedule of Available for Sale Securities [Line Items]
Investment securities available for sale	$ 1,098,655	$ 1,227,729
Asset Pledged as Collateral
Schedule of Available for Sale Securities [Line Items]
Investment securities available for sale	752,505	730,455
Asset Pledged as Collateral | Pledged to secure public funds on deposit
Schedule of Available for Sale Securities [Line Items]
Investment securities available for sale	154,608	201,239
Asset Pledged as Collateral | Pledged for potential borrowings at the Federal Reserve Bank of New York
Schedule of Available for Sale Securities [Line Items]
Investment securities available for sale	507,101	529,216
Asset Pledged as Collateral | Pledged for the bank term funding program
Schedule of Available for Sale Securities [Line Items]
Investment securities available for sale	$ 90,796	$ 0

SECURITIES - Schedule of Fair V

SECURITIES - Schedule of Fair Values and Gross Unrealized and Unrecognized Losses on Investments (Details) $ in Thousands	Mar. 31, 2024 USD ($) security	Jun. 30, 2023 USD ($) security
Fair Value
Less than 12 Months	$ 65,661	$ 180,298
12 Months or More	740,267	1,008,181
Fair Value	805,928	1,188,479
Unrealized Losses
Less than 12 Months	1,596	3,700
12 Months or More	134,145	152,712
Unrealized Losses	$ 135,741	$ 156,412
Number of Securities | security	158	191
Fair Value
Less than 12 Months	$ 36,610	$ 51,777
12 Months or More	86,665	79,392
Fair Value	123,275	131,169
Unrecognized Losses
Less than 12 Months	207	587
12 Months or More	15,862	14,709
Unrecognized Losses	$ 16,069	$ 15,296
Number of Securities | security	36	42
Obligations of state and political subdivisions
Fair Value
Less than 12 Months	$ 458	$ 13,642
12 Months or More	13,317	2,088
Fair Value	13,775	15,730
Unrecognized Losses
Less than 12 Months	6	268
12 Months or More	265	53
Unrecognized Losses	$ 271	$ 321
Number of Securities | security	26	32
Asset-backed securities
Fair Value
Less than 12 Months	$ 17,864	$ 33,833
12 Months or More	55,186	98,828
Fair Value	73,050	132,661
Unrealized Losses
Less than 12 Months	378	129
12 Months or More	162	1,986
Unrealized Losses	$ 540	$ 2,115
Number of Securities | security	10	14
Collateralized loan obligations
Fair Value
Less than 12 Months	$ 851	$ 46,903
12 Months or More	126,886	294,813
Fair Value	127,737	341,716
Unrealized Losses
Less than 12 Months	0	135
12 Months or More	453	5,052
Unrealized Losses	$ 453	$ 5,187
Number of Securities | security	10	26
Corporate bonds
Fair Value
Less than 12 Months	$ 0	$ 25,511
12 Months or More	125,081	109,507
Fair Value	125,081	135,018
Unrealized Losses
Less than 12 Months	0	1,354
12 Months or More	20,830	23,294
Unrealized Losses	$ 20,830	$ 24,648
Number of Securities | security	27	31
Commercial pass-through securities
Fair Value
Less than 12 Months	$ 46,890	$ 63,531
12 Months or More	88,656	79,863
Fair Value	135,546	143,394
Unrealized Losses
Less than 12 Months	1,217	1,380
12 Months or More	20,657	19,725
Unrealized Losses	$ 21,874	$ 21,105
Number of Securities | security	9	12
Fair Value
Less than 12 Months	$ 0	$ 0
12 Months or More	10,152	10,009
Fair Value	10,152	10,009
Unrecognized Losses
Less than 12 Months	0	0
12 Months or More	2,071	2,239
Unrecognized Losses	$ 2,071	$ 2,239
Number of Securities | security	1	1
Residential pass-through securities
Fair Value
Less than 12 Months	$ 56	$ 10,520
12 Months or More	344,458	425,170
Fair Value	344,514	435,690
Unrealized Losses
Less than 12 Months	1	702
12 Months or More	92,043	102,655
Unrealized Losses	$ 92,044	$ 103,357
Number of Securities | security	102	108
Fair Value
Less than 12 Months	$ 36,152	$ 38,135
12 Months or More	63,196	67,295
Fair Value	99,348	105,430
Unrecognized Losses
Less than 12 Months	201	319
12 Months or More	13,526	12,417
Unrecognized Losses	$ 13,727	$ 12,736
Number of Securities | security	9	9

LOANS RECEIVABLE - Schedule of

LOANS RECEIVABLE - Schedule of Loans Receivable (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Jun. 30, 2023 USD ($) property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 5,775,090	$ 5,850,476
Unaccreted yield adjustments	(16,754)	(21,055)
Loans receivable	5,758,336	5,829,421
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,987,517	4,103,819
Commercial | Multi-family mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,645,195	2,761,775
Commercial | Nonresidential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	965,539	968,574
Real estate acquired through foreclosure		$ 13,000
Real estate acquired through foreclosure, number of properties | property		1
Commercial | Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	147,326	$ 146,861
Commercial | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	229,457	226,609
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,741,644	1,700,559
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	45,929	46,098
Consumer | Home equity loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	42,731	43,549
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 3,198	$ 2,549

LOANS RECEIVABLE - Contractual

LOANS RECEIVABLE - Contractual Payment Status of Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 5,775,090	$ 5,850,476
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	41,805	30,546
30-59 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	12,765	6,322
60-89 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,346	1,218
90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	26,694	23,006
Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	5,733,285	5,819,930
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,987,517	4,103,819
Commercial | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,645,195	2,761,775
Commercial | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	965,539	968,574
Commercial | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	147,326	146,861
Commercial | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	229,457	226,609
Commercial | Total Past Due | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	22,637	13,714
Commercial | Total Past Due | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	9,316	9,025
Commercial | Total Past Due | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,239	780
Commercial | Total Past Due | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Commercial | 30-59 Days | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,725	2,958
Commercial | 30-59 Days | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	5,912	792
Commercial | 30-59 Days | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,495	528
Commercial | 30-59 Days | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Commercial | 60-89 Days | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Commercial | 60-89 Days | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	174	0
Commercial | 60-89 Days | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	104	16
Commercial | 60-89 Days | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Commercial | 90 Days and Over | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	19,912	10,756
Commercial | 90 Days and Over | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,230	8,233
Commercial | 90 Days and Over | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	640	236
Commercial | 90 Days and Over | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Commercial | Current | Multi-family mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,622,558	2,748,061
Commercial | Current | Nonresidential mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	956,223	959,549
Commercial | Current | Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	145,087	146,081
Commercial | Current | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	229,457	226,609
Residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,741,644	1,700,559
Residential | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	7,244	6,952
Residential | 30-59 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,308	2,019
Residential | 60-89 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,043	1,202
Residential | 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,893	3,731
Residential | Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,734,400	1,693,607
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	45,929	46,098
Consumer | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	42,731	43,549
Consumer | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,198	2,549
Consumer | Total Past Due | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	369	75
Consumer | Total Past Due | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Consumer | 30-59 Days | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	325	25
Consumer | 30-59 Days | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Consumer | 60-89 Days | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	25	0
Consumer | 60-89 Days | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Consumer | 90 Days and Over | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	19	50
Consumer | 90 Days and Over | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Consumer | Current | Home equity loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	42,362	43,474
Consumer | Current | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 3,198	$ 2,549

LOANS RECEIVABLE - Additional I

LOANS RECEIVABLE - Additional Information (Details)	3 Months Ended	9 Months Ended
	Mar. 31, 2023 USD ($) loan	Mar. 31, 2024 USD ($) loan	Mar. 31, 2023 USD ($) loan	Jun. 30, 2023 USD ($) loan property
Financing Receivable Recorded Investment [Line Items]
Interest income on non-accrual		$ 0	$ 0
Troubled debt restructuring				$ 17,361,000
Troubled debt restructuring, allowance for credit loss				274,000
TDR charge-offs	$ 6,000		$ 103,000
Number of TDR loans in process of defaulting | loan	2		2
Financing receivable, troubled debt restructuring, commitment to lend		0
TDR defaults	$ 649,000		$ 649,000
Financing receivable, individually evaluated for impairment		39,500,000
Residential
Financing Receivable Recorded Investment [Line Items]
Troubled debt restructuring				$ 7,526,000
TDR defaults		$ 490,000
Number of loans in process of foreclosure | loan		1		3
Mortgage loans in process of foreclosure, carrying value		$ 558,100		$ 950,000
Commercial
Financing Receivable Recorded Investment [Line Items]
Troubled debt restructuring				$ 9,467,000
Number of loans in process of foreclosure | loan		5		6
Mortgage loans in process of foreclosure, carrying value		$ 10,600,000		$ 9,200,000
Commercial | Nonresidential mortgage
Financing Receivable Recorded Investment [Line Items]
Troubled debt restructuring				$ 870,000
Real estate acquired through foreclosure, number of properties | property				1
Real estate acquired through foreclosure				$ 13,000,000
Collateral Pledged
Financing Receivable Recorded Investment [Line Items]
Financing receivable, individually evaluated for impairment		32,810,000		38,196,000
Collateral Pledged | Residential
Financing Receivable Recorded Investment [Line Items]
Financing receivable, individually evaluated for impairment		1,056,000		2,875,000
Collateral Pledged | Commercial
Financing Receivable Recorded Investment [Line Items]
Financing receivable, individually evaluated for impairment		31,735,000		35,321,000
Collateral Pledged | Commercial | Nonresidential mortgage
Financing Receivable Recorded Investment [Line Items]
Financing receivable, individually evaluated for impairment		$ 3,230,000		$ 16,207,000

LOANS RECEIVABLE - Performance

LOANS RECEIVABLE - Performance Status of Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 5,775,090	$ 5,850,476
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,987,517	4,103,819
Residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,741,644	1,700,559
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	45,929	46,098
Nonperforming
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	4,284	19,212
Nonaccrual Loans with no Allowance for Credit Losses	35,262	23,415
Financing receivable, before allowance for credit loss, fee and loan in process	39,546	42,627
Nonperforming | Residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	1,379	1,640
Nonaccrual Loans with no Allowance for Credit Losses	4,263	5,031
Financing receivable, before allowance for credit loss, fee and loan in process	5,642	6,671
Performing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	5,735,544	5,807,849
Performing | Residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	1,736,002	1,693,888
Multi-family mortgage | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,645,195	2,761,775
Multi-family mortgage | Nonperforming | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	1,904	5,686
Nonaccrual Loans with no Allowance for Credit Losses	23,278	13,428
Financing receivable, before allowance for credit loss, fee and loan in process	25,182	19,114
Multi-family mortgage | Performing | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	2,620,013	2,742,661
Nonresidential mortgage | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	965,539	968,574
Nonresidential mortgage | Nonperforming | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	174	11,815
Nonaccrual Loans with no Allowance for Credit Losses	4,314	4,725
Financing receivable, before allowance for credit loss, fee and loan in process	4,488	16,540
Nonresidential mortgage | Performing | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	961,051	952,034
Commercial business | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	147,326	146,861
Commercial business | Nonperforming | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	827	71
Nonaccrual Loans with no Allowance for Credit Losses	3,362	181
Financing receivable, before allowance for credit loss, fee and loan in process	4,189	252
Commercial business | Performing | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	143,137	146,609
Construction | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	229,457	226,609
Construction | Nonperforming | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	0	0
Nonaccrual Loans with no Allowance for Credit Losses	0	0
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Construction | Performing | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	229,457	226,609
Home equity loans | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	42,731	43,549
Home equity loans | Nonperforming | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	0	0
Nonaccrual Loans with no Allowance for Credit Losses	45	50
Financing receivable, before allowance for credit loss, fee and loan in process	45	50
Home equity loans | Performing | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	42,686	43,499
Other consumer | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,198	2,549
Other consumer | Nonperforming | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 Days and Over Past Due Accruing	0	0
Nonaccrual Loans with Allowance for Credit Losses	0	0
Nonaccrual Loans with no Allowance for Credit Losses	0	0
Financing receivable, before allowance for credit loss, fee and loan in process	0	0
Other consumer | Performing | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	$ 3,198	$ 2,549

LOANS RECEIVABLE - Amortized Co

LOANS RECEIVABLE - Amortized Cost of Loans to Borrowers, Modified (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Mar. 31, 2024	Mar. 31, 2024
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	$ 786	$ 4,164
Financing receivable, percent of total class	0.01%	0.08%
Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	$ 0	$ 3,308
Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	786	856
Commercial | Multi-family mortgage
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 2,774
Financing receivable, percent of total class		0.10%
Commercial | Multi-family mortgage | Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 2,774
Commercial | Multi-family mortgage | Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		0
Commercial | Nonresidential mortgage
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	$ 786	$ 786
Financing receivable, percent of total class	0.08%	0.08%
Commercial | Nonresidential mortgage | Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	$ 0	$ 0
Commercial | Nonresidential mortgage | Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period	$ 786	786
Commercial | Commercial business
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 45
Financing receivable, percent of total class		0.03%
Commercial | Commercial business | Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 45
Commercial | Commercial business | Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		0
Residential
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 534
Financing receivable, percent of total class		0.03%
Residential | Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 489
Residential | Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		45
Consumer | Home equity loans
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 25
Financing receivable, percent of total class		0.06%
Consumer | Home equity loans | Payment Delay
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 0
Consumer | Home equity loans | Term Extension
Financing Receivable Modifications [Line Items]
Financing receivable, modified in period		$ 25

LOANS RECEIVABLE - Troubled Deb

LOANS RECEIVABLE - Troubled Debt Restructurings of Loans Receivable (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Mar. 31, 2023 USD ($) loan	Mar. 31, 2023 USD ($) loan	Jun. 30, 2023 USD ($) loan
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			62
Amount			$ 17,361
Number of TDR defaults | loan	1	5
Pre- modification Recorded Investment	$ 67	$ 817
Post- modification Recorded Investment	$ 67	$ 814
Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			54
Amount			$ 10,487
Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			8
Amount			$ 6,874
Commercial
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			13
Amount			$ 9,467
Commercial | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			9
Amount			$ 3,367
Commercial | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			4
Amount			$ 6,100
Commercial | Multi-family mortgage
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			2
Amount			$ 5,400
Commercial | Multi-family mortgage | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			0
Amount			$ 0
Commercial | Multi-family mortgage | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			2
Amount			$ 5,400
Commercial | Nonresidential mortgage
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			5
Amount			$ 870
Commercial | Nonresidential mortgage | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			3
Amount			$ 170
Commercial | Nonresidential mortgage | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			2
Amount			$ 700
Commercial | Commercial business
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			6
Amount			$ 3,197
Number of TDR defaults | loan	1	2
Pre- modification Recorded Investment	$ 67	$ 74
Post- modification Recorded Investment	$ 67	$ 74
Commercial | Commercial business | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			6
Amount			$ 3,197
Commercial | Commercial business | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			0
Amount			$ 0
Residential
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			43
Amount			$ 7,526
Number of TDR defaults | loan		2
Pre- modification Recorded Investment		$ 708
Post- modification Recorded Investment		$ 705
Residential | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			39
Amount			$ 6,752
Residential | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			4
Amount			$ 774
Consumer | Home equity loans
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			6
Amount			$ 368
Number of TDR defaults | loan		1
Pre- modification Recorded Investment		$ 35
Post- modification Recorded Investment		$ 35
Consumer | Home equity loans | Accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			6
Amount			$ 368
Consumer | Home equity loans | Non-accrual
Financing Receivable Modifications [Line Items]
Number of TDR defaults | loan			0
Amount			$ 0

LOANS RECEIVABLE - Schedule o_2

LOANS RECEIVABLE - Schedule of Carrying Value of Collateral Dependent Individually Analyzed Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	$ 39,500
Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	32,810	$ 38,196
Financing receivable, allowance for credit losses, individually evaluated for impairment	9	3,327
Commercial | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	31,735	35,321
Financing receivable, allowance for credit losses, individually evaluated for impairment	9	3,327
Commercial | Multi-family mortgage | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	25,182	19,114
Financing receivable, allowance for credit losses, individually evaluated for impairment	9	326
Commercial | Nonresidential mortgage | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	3,230	16,207
Financing receivable, allowance for credit losses, individually evaluated for impairment	0	3,001
Commercial | Commercial business | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	3,323	0
Financing receivable, allowance for credit losses, individually evaluated for impairment	0	0
Residential | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	1,056	2,875
Financing receivable, allowance for credit losses, individually evaluated for impairment	0	0
Consumer | Home equity loans | Collateral Pledged
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, individually evaluated for impairment	19	0
Financing receivable, allowance for credit losses, individually evaluated for impairment	$ 0	$ 0

LOANS RECEIVABLE - Credit-Ratin

LOANS RECEIVABLE - Credit-Rating Classification of Loans Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Jun. 30, 2023
Total loans
Originated current fiscal year	$ 270,147		$ 270,147		$ 951,989
Originated fiscal year before current fiscal year	949,778		949,778		1,697,890
Originated two years before current fiscal year	1,672,914		1,672,914		967,598
Originated three years before current fiscal year	897,081		897,081		353,683
Originated four years before current fiscal year	346,411		346,411		357,180
Originated more than five years before current fiscal year	1,551,456		1,551,456		1,429,252
Revolving loans	87,303		87,303		92,884
Financing receivable, before allowance for credit loss, fee and loan in process	5,775,090		5,775,090		5,850,476
Total current period gross charge-offs
Originated current fiscal year, writeoff			0
Originated fiscal year before current fiscal year, writeoff			0
Originated two years before current fiscal year, writeoff			0
Originated three years before current fiscal year, writeoff			5
Originated four years before current fiscal year, writeoff			336
Originated more than five years before current fiscal year, writeoff			6,412
Revolving loans, writeoff			0
Total	293	$ 215	6,753	$ 758
Commercial
Total loans
Financing receivable, before allowance for credit loss, fee and loan in process	3,987,517		3,987,517		4,103,819
Commercial | Multi-family mortgage
Total loans
Originated current fiscal year	16,520		16,520		603,260
Originated fiscal year before current fiscal year	598,167		598,167		954,554
Originated two years before current fiscal year	953,096		953,096		223,291
Originated three years before current fiscal year	227,027		227,027		198,969
Originated four years before current fiscal year	201,040		201,040		242,367
Originated more than five years before current fiscal year	649,345		649,345		539,334
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	2,645,195		2,645,195		2,761,775
Total current period gross charge-offs
Originated current fiscal year, writeoff			0
Originated fiscal year before current fiscal year, writeoff			0
Originated two years before current fiscal year, writeoff			0
Originated three years before current fiscal year, writeoff			0
Originated four years before current fiscal year, writeoff			0
Originated more than five years before current fiscal year, writeoff			389
Revolving loans, writeoff			0
Total	35	4	389	399
Commercial | Nonresidential mortgage
Total loans
Originated current fiscal year	64,851		64,851		109,725
Originated fiscal year before current fiscal year	106,424		106,424		220,443
Originated two years before current fiscal year	205,793		205,793		83,740
Originated three years before current fiscal year	91,093		91,093		51,933
Originated four years before current fiscal year	50,767		50,767		60,116
Originated more than five years before current fiscal year	446,461		446,461		436,617
Revolving loans	150		150		6,000
Financing receivable, before allowance for credit loss, fee and loan in process	965,539		965,539		968,574
Total current period gross charge-offs
Originated current fiscal year, writeoff			0
Originated fiscal year before current fiscal year, writeoff			0
Originated two years before current fiscal year, writeoff			0
Originated three years before current fiscal year, writeoff			0
Originated four years before current fiscal year, writeoff			0
Originated more than five years before current fiscal year, writeoff			5,975
Revolving loans, writeoff			0
Total	253	6	5,975	21
Commercial | Commercial business
Total loans
Originated current fiscal year	10,216		10,216		10,364
Originated fiscal year before current fiscal year	8,906		8,906		28,644
Originated two years before current fiscal year	28,502		28,502		25,304
Originated three years before current fiscal year	22,833		22,833		8,317
Originated four years before current fiscal year	6,580		6,580		1,967
Originated more than five years before current fiscal year	12,294		12,294		12,617
Revolving loans	57,995		57,995		59,648
Financing receivable, before allowance for credit loss, fee and loan in process	147,326		147,326		146,861
Total current period gross charge-offs
Originated current fiscal year, writeoff			0
Originated fiscal year before current fiscal year, writeoff			0
Originated two years before current fiscal year, writeoff			0
Originated three years before current fiscal year, writeoff			5
Originated four years before current fiscal year, writeoff			336
Originated more than five years before current fiscal year, writeoff			11
Revolving loans, writeoff			0
Total	5	205	352	338
Commercial | Construction
Total loans
Originated current fiscal year	36,988		36,988		25,070
Originated fiscal year before current fiscal year	43,602		43,602		36,389
Originated two years before current fiscal year	43,182		43,182		143,086
Originated three years before current fiscal year	87,847		87,847		12,275
Originated four years before current fiscal year	8,352		8,352		2,961
Originated more than five years before current fiscal year	3,751		3,751		1,093
Revolving loans	5,735		5,735		5,735
Financing receivable, before allowance for credit loss, fee and loan in process	229,457		229,457		226,609
Total current period gross charge-offs
Total	0	0	0	0
Residential
Total loans
Originated current fiscal year	139,316		139,316		195,521
Originated fiscal year before current fiscal year	186,366		186,366		455,046
Originated two years before current fiscal year	439,828		439,828		491,460
Originated three years before current fiscal year	467,793		467,793		80,431
Originated four years before current fiscal year	78,137		78,137		46,989
Originated more than five years before current fiscal year	429,937		429,937		431,112
Revolving loans	267		267		0
Financing receivable, before allowance for credit loss, fee and loan in process	1,741,644		1,741,644		1,700,559
Total current period gross charge-offs
Originated current fiscal year, writeoff			0
Originated fiscal year before current fiscal year, writeoff			0
Originated two years before current fiscal year, writeoff			0
Originated three years before current fiscal year, writeoff			0
Originated four years before current fiscal year, writeoff			0
Originated more than five years before current fiscal year, writeoff			37
Revolving loans, writeoff			0
Total	0	0	37	0
Consumer
Total loans
Financing receivable, before allowance for credit loss, fee and loan in process	45,929		45,929		46,098
Consumer | Home equity loans
Total loans
Originated current fiscal year	1,239		1,239		7,682
Originated fiscal year before current fiscal year	6,082		6,082		2,567
Originated two years before current fiscal year	2,300		2,300		607
Originated three years before current fiscal year	359		359		1,264
Originated four years before current fiscal year	1,069		1,069		2,478
Originated more than five years before current fiscal year	8,653		8,653		7,567
Revolving loans	23,029		23,029		21,384
Financing receivable, before allowance for credit loss, fee and loan in process	42,731		42,731		43,549
Total current period gross charge-offs
Total	0	0	0	0
Consumer | Other consumer
Total loans
Originated current fiscal year	1,017		1,017		367
Originated fiscal year before current fiscal year	231		231		247
Originated two years before current fiscal year	213		213		110
Originated three years before current fiscal year	129		129		494
Originated four years before current fiscal year	466		466		302
Originated more than five years before current fiscal year	1,015		1,015		912
Revolving loans	127		127		117
Financing receivable, before allowance for credit loss, fee and loan in process	3,198		3,198		2,549
Total current period gross charge-offs
Total	0	$ 0	0	$ 0
Pass | Commercial | Multi-family mortgage
Total loans
Originated current fiscal year	16,520		16,520		603,260
Originated fiscal year before current fiscal year	598,167		598,167		954,554
Originated two years before current fiscal year	953,096		953,096		213,482
Originated three years before current fiscal year	217,401		217,401		198,969
Originated four years before current fiscal year	201,040		201,040		226,929
Originated more than five years before current fiscal year	611,894		611,894		510,485
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	2,598,118		2,598,118		2,707,679
Pass | Commercial | Nonresidential mortgage
Total loans
Originated current fiscal year	64,851		64,851		109,725
Originated fiscal year before current fiscal year	106,424		106,424		220,443
Originated two years before current fiscal year	205,793		205,793		83,032
Originated three years before current fiscal year	90,222		90,222		51,933
Originated four years before current fiscal year	50,767		50,767		59,197
Originated more than five years before current fiscal year	420,499		420,499		414,742
Revolving loans	150		150		6,000
Financing receivable, before allowance for credit loss, fee and loan in process	938,706		938,706		945,072
Pass | Commercial | Commercial business
Total loans
Originated current fiscal year	10,216		10,216		10,364
Originated fiscal year before current fiscal year	8,906		8,906		28,644
Originated two years before current fiscal year	26,884		26,884		25,304
Originated three years before current fiscal year	18,963		18,963		7,875
Originated four years before current fiscal year	6,401		6,401		1,731
Originated more than five years before current fiscal year	8,470		8,470		8,776
Revolving loans	57,867		57,867		59,031
Financing receivable, before allowance for credit loss, fee and loan in process	137,707		137,707		141,725
Pass | Commercial | Construction
Total loans
Originated current fiscal year	36,988		36,988		25,070
Originated fiscal year before current fiscal year	43,602		43,602		36,389
Originated two years before current fiscal year	43,182		43,182		143,086
Originated three years before current fiscal year	67,408		67,408		12,275
Originated four years before current fiscal year	8,352		8,352		2,961
Originated more than five years before current fiscal year	3,751		3,751		1,093
Revolving loans	5,735		5,735		5,735
Financing receivable, before allowance for credit loss, fee and loan in process	209,018		209,018		226,609
Pass | Residential
Total loans
Originated current fiscal year	139,316		139,316		195,521
Originated fiscal year before current fiscal year	185,852		185,852		454,504
Originated two years before current fiscal year	439,300		439,300		491,460
Originated three years before current fiscal year	467,793		467,793		80,431
Originated four years before current fiscal year	78,137		78,137		45,741
Originated more than five years before current fiscal year	419,604		419,604		422,472
Revolving loans	267		267		0
Financing receivable, before allowance for credit loss, fee and loan in process	1,730,269		1,730,269		1,690,129
Pass | Consumer | Home equity loans
Total loans
Originated current fiscal year	1,239		1,239		7,682
Originated fiscal year before current fiscal year	6,082		6,082		2,567
Originated two years before current fiscal year	2,300		2,300		607
Originated three years before current fiscal year	359		359		1,264
Originated four years before current fiscal year	1,069		1,069		2,478
Originated more than five years before current fiscal year	8,406		8,406		7,280
Revolving loans	22,934		22,934		21,384
Financing receivable, before allowance for credit loss, fee and loan in process	42,389		42,389		43,262
Pass | Consumer | Other consumer
Total loans
Originated current fiscal year	1,017		1,017		367
Originated fiscal year before current fiscal year	231		231		247
Originated two years before current fiscal year	213		213		110
Originated three years before current fiscal year	129		129		494
Originated four years before current fiscal year	466		466		302
Originated more than five years before current fiscal year	1,015		1,015		912
Revolving loans	40		40		42
Financing receivable, before allowance for credit loss, fee and loan in process	3,111		3,111		2,474
Special Mention | Commercial | Multi-family mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		6,006
Originated more than five years before current fiscal year	6,519		6,519		6,647
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	6,519		6,519		12,653
Special Mention | Commercial | Nonresidential mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	11,217		11,217		378
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	11,217		11,217		378
Special Mention | Commercial | Commercial business
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	1,618		1,618		0
Originated three years before current fiscal year	464		464		47
Originated four years before current fiscal year	0		0		176
Originated more than five years before current fiscal year	1,775		1,775		2,456
Revolving loans	0		0		371
Financing receivable, before allowance for credit loss, fee and loan in process	3,857		3,857		3,050
Special Mention | Commercial | Construction
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	20,439		20,439		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	20,439		20,439		0
Special Mention | Residential
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	514		514		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		1,168
Originated more than five years before current fiscal year	1,656		1,656		425
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	2,170		2,170		1,593
Special Mention | Consumer | Home equity loans
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	95		95		0
Financing receivable, before allowance for credit loss, fee and loan in process	95		95		0
Special Mention | Consumer | Other consumer
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Substandard | Commercial | Multi-family mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		9,809
Originated three years before current fiscal year	9,626		9,626		0
Originated four years before current fiscal year	0		0		9,432
Originated more than five years before current fiscal year	30,932		30,932		22,202
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	40,558		40,558		41,443
Substandard | Commercial | Nonresidential mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		708
Originated three years before current fiscal year	871		871		0
Originated four years before current fiscal year	0		0		919
Originated more than five years before current fiscal year	14,745		14,745		21,497
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	15,616		15,616		23,124
Substandard | Commercial | Commercial business
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	3,406		3,406		395
Originated four years before current fiscal year	179		179		60
Originated more than five years before current fiscal year	2,049		2,049		1,385
Revolving loans	128		128		246
Financing receivable, before allowance for credit loss, fee and loan in process	5,762		5,762		2,086
Substandard | Commercial | Construction
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Substandard | Residential
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		542
Originated two years before current fiscal year	528		528		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		80
Originated more than five years before current fiscal year	8,677		8,677		8,215
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	9,205		9,205		8,837
Substandard | Consumer | Home equity loans
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	247		247		287
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	247		247		287
Substandard | Consumer | Other consumer
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	1		1		0
Financing receivable, before allowance for credit loss, fee and loan in process	1		1		0
Doubtful | Commercial | Multi-family mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Commercial | Nonresidential mortgage
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Commercial | Commercial business
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Commercial | Construction
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Residential
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Consumer | Home equity loans
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	0		0		0
Financing receivable, before allowance for credit loss, fee and loan in process	0		0		0
Doubtful | Consumer | Other consumer
Total loans
Originated current fiscal year	0		0		0
Originated fiscal year before current fiscal year	0		0		0
Originated two years before current fiscal year	0		0		0
Originated three years before current fiscal year	0		0		0
Originated four years before current fiscal year	0		0		0
Originated more than five years before current fiscal year	0		0		0
Revolving loans	86		86		75
Financing receivable, before allowance for credit loss, fee and loan in process	$ 86		$ 86		$ 75

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses and Balance of Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	$ 44,930	$ 44,867	$ 48,734	$ 49,122	$ 48,877	$ 47,058
Loans individually analyzed	39,500
Financing receivable, before allowance for credit loss, fee and loan in process	5,775,090		5,850,476
Unaccreted yield adjustments	(16,754)		(21,055)
Loans receivable	5,758,336		5,829,421
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	3,987,517		4,103,819
Commercial | Multi-family mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	24,196	24,462	26,362	27,172	27,498	25,321
Financing receivable, before allowance for credit loss, fee and loan in process	2,645,195		2,761,775
Commercial | Nonresidential mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	6,050	5,888	8,953	8,244	8,593	10,590
Financing receivable, before allowance for credit loss, fee and loan in process	965,539		968,574
Commercial | Commercial business
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	1,545	1,293	1,440	1,729	1,819	1,792
Financing receivable, before allowance for credit loss, fee and loan in process	147,326		146,861
Commercial | Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	1,350	1,171	1,336	1,316	1,201	1,486
Financing receivable, before allowance for credit loss, fee and loan in process	229,457		226,609
Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	11,375	11,653	10,237	10,265	9,355	7,540
Financing receivable, before allowance for credit loss, fee and loan in process	1,741,644		1,700,559
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, before allowance for credit loss, fee and loan in process	45,929		46,098
Consumer | Home equity loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	330	330	338	327	339	245
Financing receivable, before allowance for credit loss, fee and loan in process	42,731		43,549
Consumer | Other consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest	84	$ 70	68	$ 69	$ 72	$ 84
Financing receivable, before allowance for credit loss, fee and loan in process	3,198		2,549
Receivables Acquired with Deteriorated Credit Quality
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	12		3
Loans acquired with deteriorated credit quality collectively evaluated	157		211
Loans individually analyzed	1,277		928
Loans collectively evaluated	16,286		17,967
Receivables Acquired with Deteriorated Credit Quality | Commercial | Multi-family mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	0		0
Loans individually analyzed	0		0
Loans collectively evaluated	0		0
Receivables Acquired with Deteriorated Credit Quality | Commercial | Nonresidential mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	34		70
Loans individually analyzed	298		333
Loans collectively evaluated	2,207		3,562
Receivables Acquired with Deteriorated Credit Quality | Commercial | Commercial business
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	22		9
Loans individually analyzed	0		0
Loans collectively evaluated	4,523		4,237
Receivables Acquired with Deteriorated Credit Quality | Commercial | Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	0		0
Loans individually analyzed	0		0
Loans collectively evaluated	5,735		5,735
Receivables Acquired with Deteriorated Credit Quality | Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	12		3
Loans acquired with deteriorated credit quality collectively evaluated	101		132
Loans individually analyzed	955		570
Loans collectively evaluated	3,821		4,433
Receivables Acquired with Deteriorated Credit Quality | Consumer | Home equity loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	0		0
Loans individually analyzed	24		25
Loans collectively evaluated	0		0
Receivables Acquired with Deteriorated Credit Quality | Consumer | Other consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	0		0
Loans individually analyzed	0		0
Loans collectively evaluated	0		0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	215		3,417
Loans acquired with deteriorated credit quality collectively evaluated	44,546		45,103
Loans individually analyzed	38,269		41,699
Loans collectively evaluated	5,719,258		5,789,882
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial | Multi-family mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	9		326
Loans acquired with deteriorated credit quality collectively evaluated	24,187		26,036
Loans individually analyzed	25,182		19,114
Loans collectively evaluated	2,620,013		2,742,661
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial | Nonresidential mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	8		3,001
Loans acquired with deteriorated credit quality collectively evaluated	6,008		5,882
Loans individually analyzed	4,190		16,207
Loans collectively evaluated	958,844		948,472
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial | Commercial business
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	186		20
Loans acquired with deteriorated credit quality collectively evaluated	1,337		1,411
Loans individually analyzed	4,189		252
Loans collectively evaluated	138,614		142,372
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial | Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	1,350		1,336
Loans individually analyzed	0		0
Loans collectively evaluated	223,722		220,874
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	12		70
Loans acquired with deteriorated credit quality collectively evaluated	11,250		10,032
Loans individually analyzed	4,687		6,101
Loans collectively evaluated	1,732,181		1,689,455
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer | Home equity loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	330		338
Loans individually analyzed	21		25
Loans collectively evaluated	42,686		43,499
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer | Other consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, allowance for credit losses, individually evaluated for impairment	0		0
Loans acquired with deteriorated credit quality collectively evaluated	84		68
Loans individually analyzed	0		0
Loans collectively evaluated	$ 3,198		$ 2,549

ALLOWANCE FOR CREDIT LOSSES - C

ALLOWANCE FOR CREDIT LOSSES - Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 44,867	$ 48,877	$ 48,734	$ 47,058
Charge-offs	(293)	(215)	(6,753)	(758)
Recoveries	7	9	250	30
Provision for (reversal of) credit losses	349	451	2,699	2,792
Ending balance	44,930	49,122	44,930	49,122
Commercial | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	24,462	27,498	26,362	25,321
Charge-offs	(35)	(4)	(389)	(399)
Recoveries	0	0	0	0
Provision for (reversal of) credit losses	(231)	(322)	(1,777)	2,250
Ending balance	24,196	27,172	24,196	27,172
Commercial | Nonresidential mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	5,888	8,593	8,953	10,590
Charge-offs	(253)	(6)	(5,975)	(21)
Recoveries	0	0	120	0
Provision for (reversal of) credit losses	415	(343)	2,952	(2,325)
Ending balance	6,050	8,244	6,050	8,244
Commercial | Commercial business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,293	1,819	1,440	1,792
Charge-offs	(5)	(205)	(352)	(338)
Recoveries	7	7	17	24
Provision for (reversal of) credit losses	250	108	440	251
Ending balance	1,545	1,729	1,545	1,729
Commercial | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,171	1,201	1,336	1,486
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for (reversal of) credit losses	179	115	14	(170)
Ending balance	1,350	1,316	1,350	1,316
Residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	11,653	9,355	10,237	7,540
Charge-offs	0	0	(37)	0
Recoveries	0	2	113	2
Provision for (reversal of) credit losses	(278)	908	1,062	2,723
Ending balance	11,375	10,265	11,375	10,265
Consumer | Home equity loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	330	339	338	245
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for (reversal of) credit losses	0	(12)	(8)	82
Ending balance	330	327	330	327
Consumer | Other consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	70	72	68	84
Charge-offs	0	0	0	0
Recoveries	0	0	0	4
Provision for (reversal of) credit losses	14	(3)	16	(19)
Ending balance	$ 84	$ 69	$ 84	$ 69

ALLOWANCE FOR CREDIT LOSSES -_2

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses on Financing Receivables Off Balance Sheet Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Balance at beginning of the period	$ 567	$ 819	$ 741	$ 1,041
Provision for (reversal of) credit losses	198	(90)	24	(312)
Balance at end of the period	$ 765	$ 729	$ 765	$ 729

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Deposits [Abstract]
Non-interest-bearing demand	$ 586,089	$ 609,999
Interest-bearing demand	2,349,032	2,252,912
Savings	630,456	748,721
Certificates of deposits	1,643,473	2,017,551
Total deposits	$ 5,209,050	$ 5,629,183

BORROWINGS - Schedule of Borrow

BORROWINGS - Schedule of Borrowings (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Debt Instrument [Line Items]
Borrowings	$ 1,722,178	$ 1,506,812
Overnight borrowings
Debt Instrument [Line Items]
Borrowings	265,000	225,000
FHLB advances
Debt Instrument [Line Items]
Borrowings	1,357,178	1,281,812
Federal Reserve Bank Term Funding Program ("BTFP") borrowings
Debt Instrument [Line Items]
Borrowings	100,000	0
Line of Credit | Overnight borrowings
Debt Instrument [Line Items]
Borrowings	$ 265,000	125,000
Unsecured Debt | Overnight borrowings
Debt Instrument [Line Items]
Borrowings		$ 100,000

BORROWINGS - Schedule of Fixed

BORROWINGS - Schedule of Fixed Rate Advances from FHLB (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Balance
Less than one year	$ 1,228,500	$ 972,500
One to two years	29,000	103,500
Two to three years	0	6,500
Three to four years	200,000	0
Four to five years	0	200,000
Greater than five years	0	0
Federal home loan bank, advances, total	1,457,500	1,282,500
Unamortized fair value adjustments	(322)	(688)
Total advances, net of fair value adjustments	$ 1,457,178	$ 1,281,812
Weighted Average Interest Rate
Less than one year	5.22%	5.36%
One to two years	2.77%	2.68%
Two to three years	0%	2.82%
Three to four years	3.98%	0%
Four to five years	0%	3.98%
Greater than five years	0%	0%
Weighted Average
Weighted Average Interest Rate
Total	5%	4.92%

BORROWINGS - Additional Informa

BORROWINGS - Additional Information (Details) - USD ($)	Mar. 31, 2024	Jun. 30, 2023
Federal Reserve Bank Term Funding Program ("BTFP") borrowings
Debt Instrument [Line Items]
Collateral amount	$ 115,400,000	$ 0
Investment in Federal Home Loan Bank Stock
Debt Instrument [Line Items]
Federal Home Loan Bank, advances, general debt obligations, disclosures, collateral pledged	$ 4,380,000,000	$ 4,600,000,000

DERIVATIVE INSTRUMENTS AND HE_3

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Fair Values of Derivative Financial Instruments as well as Their Classification on Statement of Financial Condition (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Assets:
Fair Value	$ 55,794	$ 71,624
Liabilities:
Fair Value		0
Derivatives Designated as Hedging Instruments
Assets:
Fair Value	55,794	71,624
Liabilities:
Fair Value	0	0
Interest Rate Contract
Assets:
Fair Value	55,794	71,624
Liabilities:
Fair Value		0
Interest Rate Contract | Derivatives Designated as Hedging Instruments
Assets:
Fair Value	55,794	71,624
Liabilities:
Fair Value	$ 0	$ 0

DERIVATIVE INSTRUMENTS AND HE_4

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Additional Information (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024 USD ($) derivativeInstrument	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($) derivativeInstrument	Mar. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)
Derivative [Line Items]
Amount of gain reclassified from accumulated other comprehensive income to interest expense	$ 9,461	$ 6,461	$ 28,295	$ 12,185
Pipeline of loans held-for-sale	13,400		13,400		$ 11,700
Interest Expense
Derivative [Line Items]
Amount of gain reclassified from accumulated other comprehensive income to interest expense	$ 9,500		18,800
Estimated cash flow hedge gain (loss) to be reclassified in next twelve months			28,400
Interest Income
Derivative [Line Items]
Estimated cash flow hedge gain (loss) to be reclassified in next twelve months			$ 500
Cash Flow Hedges | Interest Rate Swaps
Derivative [Line Items]
Number of interest rate derivative instruments held | derivativeInstrument	12		12
Derivative, notional amount	$ 1,430,000		$ 1,430,000
Cash Flow Hedges | Interest Rate Floor
Derivative [Line Items]
Number of interest rate derivative instruments held | derivativeInstrument	4		4
Derivative, notional amount	$ 400,000		$ 400,000
Fair Value Hedging | Interest Rate Swaps
Derivative [Line Items]
Number of interest rate derivative instruments held | derivativeInstrument	5		5
Derivative, notional amount	$ 675,000		$ 675,000

DERIVATIVE INSTRUMENTS AND HE_5

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Pre-tax Effects of Derivative Instruments on Consolidated Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Amount of gain (loss) recognized in other comprehensive income	$ 18,798	$ (8,936)	$ 13,920	$ 11,051
Amount of gain reclassified from accumulated other comprehensive income to interest expense	$ 9,461	$ 6,461	$ 28,295	$ 12,185

DERIVATIVE INSTRUMENTS AND HE_6

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Effects of Derivative Instruments on Income Statement (Details) - Interest Rate Swaps - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Derivative [Line Items]
(Loss) gain on hedged items recorded in interest income on loans	$ (5,929)	$ 5,681	$ 2,077	$ 653
Gain (loss) on hedges recorded in interest income on loans	$ 8,565	$ (4,521)	$ 5,832	$ 589

DERIVATIVE INSTRUMENTS AND HE_7

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Effects of Derivative Instruments on Balance Sheet (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Derivative [Line Items]
Amortized cost basis of the closed portfolio	$ 1,060,000	$ 1,100,000
Interest Rate Swaps
Derivative [Line Items]
Carrying amount of the hedged assets	665,640	663,563
Fair value hedging adjustment included in the carrying amount of the hedged assets	$ (9,360)	$ (11,437)

DERIVATIVE INSTRUMENTS AND HE_8

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Fixed Rate Advances from FHLB (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Assets:
Gross Amount Recognized	$ 55,794	$ 72,418
Gross Amounts Offset	0	(794)
Net Amounts Presented	55,794	71,624
Financial Instruments	0	0
Cash Collateral Received (Posted)	0	0
Net Amount	55,794	71,624
Liabilities:
Gross Amount Recognized		794
Gross Amounts Offset		(794)
Interest rate contracts		0
Financial Instruments		0
Cash Collateral Received (Posted)		0
Net Amount		0
Interest Rate Contract
Assets:
Gross Amount Recognized	55,794	72,418
Gross Amounts Offset	0	(794)
Net Amounts Presented	55,794	71,624
Financial Instruments	0	0
Cash Collateral Received (Posted)	0	0
Net Amount	$ 55,794	71,624
Liabilities:
Gross Amount Recognized		794
Gross Amounts Offset		(794)
Interest rate contracts		0
Financial Instruments		0
Cash Collateral Received (Posted)		0
Net Amount		$ 0

BENEFIT PLANS - Schedule of Net

BENEFIT PLANS - Schedule of Net Periodic Benefit Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Retirement Benefits [Abstract]
Service cost	$ 20	$ 24	$ 58	$ 258
Interest cost	93	88	277	280
Accretion of unrecognized gain	(15)	(6)	(45)	(18)
Expected return on assets	(23)	(25)	(69)	(75)
Net periodic benefit cost	$ 75	$ 81	$ 221	$ 445

BENEFIT PLANS - Additional Info

BENEFIT PLANS - Additional Information (Details) - 2021 Equity Incentive Plan	9 Months Ended
	Mar. 31, 2024 tranche shares
RSUs
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Shares granted (in shares)	349,257
Service Based RSU
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Shares granted (in shares)	255,062
Service-based RSUs, vest in period	3 years
Performance Based RSU
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Shares granted (in shares)	94,195
Tranches | tranche	3
Performance based RSUs vested period	3 years

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Income Tax Disclosure [Abstract]
Income before income taxes	$ 9,114	$ 13,214	$ 10,220	$ 36,988
Statutory federal tax rate	21%	21%	21%	21%
Federal income tax at statutory rate	$ 1,914	$ 2,775	$ 2,146	$ 7,767
(Reduction) increase in income taxes resulting from:
Tax exempt interest	(17)	(20)	(52)	(125)
State tax, net of federal tax effect	485	769	297	2,065
Incentive stock option compensation expense	0	3	5	9
Income from bank-owned life insurance	(504)	(332)	(1,218)	(1,469)
Surrender of bank-owned life insurance polices	76	0	5,789	0
Other items, net	(237)	(293)	(159)	(57)
Total income tax expense	$ 1,717	$ 2,902	$ 6,808	$ 8,190
Effective income tax rate	18.84%	21.96%	66.61%	22.14%

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Assets:
Investment securities available for sale	$ 1,098,655	$ 1,227,729
Interest rate contracts	55,794	71,624
Total assets	1,154,449	1,299,353
Debt securities
Assets:
Investment securities available for sale	618,136	648,184
Asset-backed securities
Assets:
Investment securities available for sale	86,360	136,170
Collateralized loan obligations
Assets:
Investment securities available for sale	406,695	376,996
Corporate bonds
Assets:
Investment securities available for sale	125,081	135,018
Mortgage-backed securities
Assets:
Investment securities available for sale	480,519	579,545
Residential pass-through securities
Assets:
Investment securities available for sale	344,972	436,151
Commercial pass-through securities
Assets:
Investment securities available for sale	135,547	143,394
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Investment securities available for sale	0	0
Interest rate contracts	0	0
Total assets	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Debt securities
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Asset-backed securities
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized loan obligations
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential pass-through securities
Assets:
Investment securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial pass-through securities
Assets:
Investment securities available for sale	0	0
Significant Other Observable Inputs (Level 2)
Assets:
Investment securities available for sale	1,098,655	1,227,729
Interest rate contracts	55,794	71,624
Total assets	1,154,449	1,299,353
Significant Other Observable Inputs (Level 2) | Debt securities
Assets:
Investment securities available for sale	618,136	648,184
Significant Other Observable Inputs (Level 2) | Asset-backed securities
Assets:
Investment securities available for sale	86,360	136,170
Significant Other Observable Inputs (Level 2) | Collateralized loan obligations
Assets:
Investment securities available for sale	406,695	376,996
Significant Other Observable Inputs (Level 2) | Corporate bonds
Assets:
Investment securities available for sale	125,081	135,018
Significant Other Observable Inputs (Level 2) | Mortgage-backed securities
Assets:
Investment securities available for sale	480,519	579,545
Significant Other Observable Inputs (Level 2) | Residential pass-through securities
Assets:
Investment securities available for sale	344,972	436,151
Significant Other Observable Inputs (Level 2) | Commercial pass-through securities
Assets:
Investment securities available for sale	135,547	143,394
Significant Unobservable Inputs (Level 3)
Assets:
Investment securities available for sale	0	0
Interest rate contracts	0	0
Total assets	0	0
Significant Unobservable Inputs (Level 3) | Debt securities
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Asset-backed securities
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Collateralized loan obligations
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Corporate bonds
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Mortgage-backed securities
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Residential pass-through securities
Assets:
Investment securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Commercial pass-through securities
Assets:
Investment securities available for sale	0	0
Interest Rate Contract
Assets:
Interest rate contracts	55,794	71,624
Interest Rate Contract | Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Interest rate contracts	0	0
Interest Rate Contract | Significant Other Observable Inputs (Level 2)
Assets:
Interest rate contracts	55,794	71,624
Interest Rate Contract | Significant Unobservable Inputs (Level 3)
Assets:
Interest rate contracts	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Assets Measured at Fair Value on a Non-recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value	$ 1,154,449	$ 1,299,353
Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896	17,721
Assets, fair value		12,956
Fair Value, Measurements, Nonrecurring | Residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		449
Fair Value, Measurements, Nonrecurring | Commercial | Multi-family mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896	7,300
Fair Value, Measurements, Nonrecurring | Commercial | Nonresidential mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		9,972
Assets, fair value		12,956
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	0	0
Assets, fair value		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Commercial | Multi-family mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Commercial | Nonresidential mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		0
Assets, fair value		0
Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value	1,154,449	1,299,353
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	0	0
Assets, fair value		0
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		0
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Commercial | Multi-family mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	0	0
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Commercial | Nonresidential mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		0
Assets, fair value		0
Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896	17,721
Assets, fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896	17,721
Assets, fair value		12,956
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		449
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Commercial | Multi-family mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	$ 1,896	7,300
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Commercial | Nonresidential mortgage
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		9,972
Assets, fair value		$ 12,956

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information on Assed Value, Non Recurring (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Jun. 30, 2023 USD ($)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other real estate owned	$ 0	$ 12,956
Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896	17,721
Other real estate owned	0	12,956
Market valuation of underlying collateral | Measurement Input, Cost to Sell | Residential | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		$ 449
Market valuation of underlying collateral | Measurement Input, Cost to Sell | Commercial | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other real estate owned, measurement input		0.0400
Market valuation of underlying collateral | Measurement Input, Cost to Sell | Commercial | Multi-family mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	$ 1,896	$ 7,300
Collateral dependent loans, measurement input	0.1309
Market valuation of underlying collateral | Measurement Input, Cost to Sell | Commercial | Nonresidential mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable		9,972
Other real estate owned		$ 12,956
Market valuation of underlying collateral | Minimum | Measurement Input, Cost to Sell | Residential | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.06
Market valuation of underlying collateral | Minimum | Measurement Input, Cost to Sell | Commercial | Multi-family mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.06
Market valuation of underlying collateral | Minimum | Measurement Input, Cost to Sell | Commercial | Nonresidential mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.09
Market valuation of underlying collateral | Maximum | Measurement Input, Cost to Sell | Residential | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.09
Market valuation of underlying collateral | Maximum | Measurement Input, Cost to Sell | Commercial | Multi-family mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.09
Market valuation of underlying collateral | Maximum | Measurement Input, Cost to Sell | Commercial | Nonresidential mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.16
Market valuation of underlying collateral | Weighted Average | Measurement Input, Cost to Sell | Residential | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.0693
Market valuation of underlying collateral | Weighted Average | Measurement Input, Cost to Sell | Commercial | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other real estate owned, measurement input		0.0400
Market valuation of underlying collateral | Weighted Average | Measurement Input, Cost to Sell | Commercial | Multi-family mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input	0.1309	0.0778
Market valuation of underlying collateral | Weighted Average | Measurement Input, Cost to Sell | Commercial | Nonresidential mortgage | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Collateral dependent loans, measurement input		0.1178

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS - Additional Information (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Loans receivable	$ 5,758,336		$ 5,829,421
Financing receivable, allowance for credit losses, individually evaluated for impairment	44,930	$ 44,867	48,734	$ 49,122	$ 48,877	$ 47,058
Other real estate owned	0		12,956
Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896		17,721
Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	1,896		17,721
Other real estate owned	0		12,956
Significant Unobservable Inputs (Level 3) | Real Estate
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Loans receivable	1,900		21,000
Financing receivable, allowance for credit losses, individually evaluated for impairment	9		3,300
Net loans receivable	1,900		17,700
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Net loans receivable	$ 1,896		$ 17,721

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Carrying Amounts and Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Investment securities available for sale	$ 1,098,655	$ 1,227,729
Investment securities held to maturity	139,643	146,465
Loans held-for-sale	4,117	9,591
Net loans receivable	5,713,406	5,780,687
Accrued interest receivable	31,065	28,133
Fair Value	55,794	71,624
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalents	71,027	70,515
Investment securities available for sale	0	0
Investment securities held to maturity	0	0
Loans held-for-sale	0	0
Net loans receivable	0	0
FHLB Stock	0	0
Accrued interest receivable	28	14
Fair Value	0	0
Borrowings	0	0
Interest payable on deposits	3,611	1,933
Interest payable on borrowings	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Deposits other than certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	3,565,577	3,611,632
Quoted Prices in Active Markets for Identical Assets (Level 1) | Certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	0	0
Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Investment securities available for sale	1,098,655	1,227,729
Investment securities held to maturity	123,576	131,169
Loans held-for-sale	4,159	9,442
Net loans receivable	0	0
FHLB Stock	0	0
Accrued interest receivable	10,318	8,924
Fair Value	55,794	71,624
Borrowings	0	0
Interest payable on deposits	0	0
Interest payable on borrowings	0	0
Significant Other Observable Inputs (Level 2) | Deposits other than certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	0	0
Significant Other Observable Inputs (Level 2) | Certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	0	0
Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Investment securities available for sale	0	0
Investment securities held to maturity	0	0
Loans held-for-sale	0	0
Net loans receivable	5,150,589	5,261,808
FHLB Stock	0	0
Accrued interest receivable	20,719	19,195
Fair Value	0	0
Borrowings	1,716,261
Interest payable on deposits	2,238
Interest payable on borrowings	6,727
Significant Unobservable Inputs (Level 3) | Deposits other than certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	0	0
Significant Unobservable Inputs (Level 3) | Certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	1,632,554	1,989,434
Carrying Amount
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalents	71,027	70,515
Investment securities available for sale	1,098,655	1,227,729
Investment securities held to maturity	139,643	146,465
Loans held-for-sale	4,117	9,591
Net loans receivable	5,713,406	5,780,687
FHLB Stock	81,347	71,734
Accrued interest receivable	31,065	28,133
Fair Value	55,794	71,624
Borrowings	1,722,178	1,506,812
Interest payable on deposits	5,849	6,826
Interest payable on borrowings	6,727	5,282
Carrying Amount | Deposits other than certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	3,565,577	3,611,632
Carrying Amount | Certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	1,643,473	2,017,551
Fair Value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalents	71,027	70,515
Investment securities available for sale	1,098,655	1,227,729
Investment securities held to maturity	123,576	131,169
Loans held-for-sale	4,159	9,442
Net loans receivable	5,150,589	5,261,808
FHLB Stock	0	0
Accrued interest receivable	31,065	28,133
Fair Value	55,794	71,624
Borrowings	1,716,261	1,498,920
Interest payable on deposits	5,849	6,826
Interest payable on borrowings	6,727	5,282
Fair Value | Deposits other than certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	3,565,577	3,611,632
Fair Value | Certificates of deposits
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Deposits	$ 1,632,554	1,989,434
Fair Value | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Borrowings		1,498,920
Interest payable on deposits		4,893
Interest payable on borrowings		$ 5,282

COMPREHENSIVE INCOME (LOSS) - S

COMPREHENSIVE INCOME (LOSS) - Schedule of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022
Accumulated Other Comprehensive Income Loss [Line Items]
Total Stockholders' Equity	$ 849,078	$ 847,978	$ 869,284	$ 866,230	$ 872,640	$ 894,000
Total accumulated other comprehensive loss
Accumulated Other Comprehensive Income Loss [Line Items]
Total Stockholders' Equity	(63,659)	$ (63,830)	(69,456)	$ (73,053)	$ (69,021)	$ (55,727)
Net unrealized loss on securities available for sale
Accumulated Other Comprehensive Income Loss [Line Items]
AOCI before tax, attributable to parent	(133,518)		(156,138)
Tax effect	38,499		45,018
Total Stockholders' Equity	(95,019)		(111,120)
Fair value adjustments on derivatives
Accumulated Other Comprehensive Income Loss [Line Items]
AOCI before tax, attributable to parent	44,039		58,414
Tax effect	(12,771)		(16,940)
Total Stockholders' Equity	31,268		41,474
Benefit plan adjustments
Accumulated Other Comprehensive Income Loss [Line Items]
AOCI before tax, attributable to parent	129		268
Tax effect	(37)		(78)
Total Stockholders' Equity	$ 92		$ 190

COMPREHENSIVE INCOME (LOSS) -_2

COMPREHENSIVE INCOME (LOSS) - Schedule of Comprehensive (Loss) Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Accumulated Other Comprehensive Income Loss [Line Items]
Other comprehensive income (loss) before taxes	$ 261	$ (5,690)	$ 8,106	$ (24,276)
Tax effect	(90)	1,658	(2,309)	6,950
Total Other Comprehensive Income (Loss)	171	(4,032)	5,797	(17,326)
Net unrealized loss on securities available for sale
Accumulated Other Comprehensive Income Loss [Line Items]
OCI, before reclassifications, before tax	(9,061)	9,713	4,485	(38,324)
Reclassification from AOCI, before tax	0	0	18,135	15,227
Fair value adjustments on derivatives
Accumulated Other Comprehensive Income Loss [Line Items]
OCI, before reclassifications, before tax	9,337	(15,397)	(14,375)	(1,134)
Benefit plan adjustments
Accumulated Other Comprehensive Income Loss [Line Items]
Other comprehensive income (loss) before taxes	(15)	(6)	(139)	(45)
Net actuarial gain (loss)
Accumulated Other Comprehensive Income Loss [Line Items]
OCI, before reclassifications, before tax	(15)	(6)	(44)	(18)
Reclassification from AOCI, before tax	$ 0	$ 0	$ (95)	$ (27)

NET INCOME PER COMMON SHARE (_3

NET INCOME PER COMMON SHARE (“EPS”) - Schedule of Earnings Per Share Calculations (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Earnings Per Share [Abstract]
Net Income	$ 7,397	$ 10,312	$ 3,412	$ 28,798
Weighted average number of common shares outstanding - basic (in shares)	62,205	64,769	62,507	65,181
Effect of dilutive securities (in shares)	6	14	0	10
Weighted average number of common shares outstanding - diluted (in shares)	62,211	64,783	62,507	65,191
Basic earnings per share (in dollars per share)	$ 0.12	$ 0.16	$ 0.06	$ 0.44
Diluted earnings per share (in dollars per share)	$ 0.12	$ 0.16	$ 0.06	$ 0.44

NET INCOME PER COMMON SHARE (_4

NET INCOME PER COMMON SHARE (“EPS”) - Additional Information (Details) - shares	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Stock Options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Number of stock options anti-dilutive (in shares)	2,820,922	2,993,530	2,820,922	2,986,628
RSUs
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Number of stock options anti-dilutive (in shares)	635,650	427,347	689,252	427,347