FINANCING RECEIVABLES (Tables)

12 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Schedule of Loans Receivable [Table Text Block]

Financing receivables consist of the following:

	At June 30,
	2015		2014
	(In thousands)
Residential real estate
One- to four-family	$	141,052	$	129,484
Multi-family		19,296		23,645
Construction		4,078		2,880
Nonresidential real estate – commercial and office buildings		47,929		48,769
Agricultural		5,161		3,456
Land		2,985		3,391
Commercial		4,038		4,514
Consumer		34,880		34,669
		259,419		250,808
Less:
Allowance for losses		5,124		5,459
Undisbursed portion of loans in process		1,653		2,083
Deferred loan costs, net		(1,186)		(1,118)
	$	253,828	$	244,384

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table provides information with respect to nonaccrual loans. 

	At June 30,
	2015		2014
	(In thousands)
Nonaccrual loans:
One- to four-family – owner occupied	$	1,238	$	1,672
One- to four-family – non-owner occupied		483		116
Multi-family residential real estate		—		—
Nonresidential real estate – commercial and office buildings		775		3,116
Land		151		20
Consumer		458		633
Commercial		—		—
Restructured nonaccrual loans:
One- to four-family – owner occupied	$	948	$	1,364
One- to four-family – non-owner occupied		—		188
Multi-family residential real estate		—		1,200
Nonresidential real estate – commercial and office buildings		2,437		1,639
Total nonperforming loans	$	6,490	$	9,948
Number of nonaccrual loans		56		76

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables summarize TDRs by loan type and accrual status.

At June 30, 2015
					Total
					unpaid								Average
	Loan Status				principal		Related		Recorded		Number		Recorded
(In thousands)	Accrual		Nonaccrual		balance		allowance		investment		of loans		investment
One- to four-family residential real estate	$	1,148	$	948	$	2,096	$	—	$	2,096		20	$	2,160
Multi-family residential real estate		724		—		724		—		724		4		1,188
Nonresidential real estate		2,717		2,437		5,154		120		5,034		8		4,329
Total	$	4,589	$	3,385	$	7,974	$	120	$	7,854		32	$	7,677

At June 30, 2014
					Total
					unpaid								Average
	Loan Status				principal		Related		Recorded		Number		Recorded
(In thousands)	Accrual		Nonaccrual		balance		allowance		investment		of loans		investment
One- to four-family residential real estate	$	947	$	1,552	$	2,499	$	-	$	2,499		21	$	3,382
Multi-family residential real estate		1,663		1,200		2,863		-		2,863		7		5,607
Nonresidential real estate		3,008		1,639		4,647		120		4,527		11		5,404
Total	$	5,618	$	4,391	$	10,009	$	120	$	9,889		39	$	14,393

Interest and Other Income [Table Text Block]

Interest income recognized on TDRs is as follows:

	For the year		For the year
	ended		ended
	June 30, 2015		June 30, 2014
One- to four-family residential real estate	$	27	$	55
Multi-family residential real estate		72		257
Nonresidential real estate		122		132
Construction		—		—
Commercial		—		—
Consumer		—		—
Total	$	221	$	444

Schedule Of Financing Receivable Troubled Debt Restructurings Rollforward [Table Text Block]

The following table is a rollforward of activity in our TDRs for the fiscal years ended June 30, 2015 and 2014.

	2015				2014
(Dollar amounts in thousands)	Recorded Investment		Number of Loans		Recorded Investment		Number of Loans
Beginning balance	$	9,889		30	$	18,915		42
Additions to TDRs		1,690		3		20		—
Removals		(3,031)		(8)		(7,434)		(12)
Charge offs		(8)		—		(438)		—
Payments		(686)		—		(1,174)		—
	$	7,854		25	$	9,889		30

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following table illustrates certain disclosures required by ASC 310-10-50-11B(c), (g) and (h).

Allowance for Credit Losses and Recorded Investment in Loans Receivable
For the year ended June 30, 2015
	One- to Four- Family Mortgage Owner Occupied		Consumer		One- to Four- Family Mortgage Nonowner- Occupied		Multi- Family Mortgage		Non- Residential Real Estate		Construction		Land		Commercial and Agricultural		Total
	(In thousands)
Allowance for Credit Losses:
Beginning Balance:	$	1,196	$	564	$	201	$	929	$	2,508	$	5	$	19	$	37	$	5,459
Charge offs		(47)		(153)		(3)		—		(466)		—		—		(9)	$	(678)
Recoveries		79		113		62		—		434		—		—		4	$	692
Provision (credit)		120		(7)		(130)		(455)		110		(1)		(3)		17	$	(349)
Ending Balance:	$	1,348	$	517	$	130	$	474	$	2,586	$	4	$	16	$	49	$	5,124
Balance, Individually Evaluated	$	—	$	—	$	—	$	—	$	120	$	—	$	—	$	—	$	120
Balance, Collectively Evaluated	$	1,348	$	517	$	130	$	474	$	2,466	$	4	$	16	$	49	$	5,004
Financing receivables:
Ending Balance	$	127,084	$	34,880	$	13,968	$	19,296	$	47,929	$	4,078	$	2,985	$	9,199	$	259,419
Ending Balance: individually evaluated for impairment	$	3,159	$	458	$	659	$	724	$	5,928	$	-	$	151	$	-	$	11,079
Ending Balance: collectively evaluated for impairment	$	117,736	$	31,511	$	12,995	$	18,572	$	41,851	$	4,078	$	2,810	$	8,863	$	238,416
Ending Balance: loans acquired at fair value	$	6,189	$	2,911	$	314	$	—	$	150	$	—	$	24	$	336	$	9,924

Allowance for Credit Losses and Recorded Investment in Loans Receivable
For the year ended June 30, 2014
	One- to Four- Family Mortgage Owner Occupied		Consumer		One- to Four- Family Mortgage Nonowner- Occupied		Multi- Family Mortgage		Non- Residential Real Estate		Construction		Land		Commercial and Agricultural		Total
	(In thousands)
Allowance for Credit Losses:
Beginning Balance:	$	942	$	553	$	215	$	1,286	$	2,386	$	10	$	17	$	34	$	5,443
Charge offs		(554)		(159)		(52)		(430)		(30)		—		(15)		(4)	$	(1,244)
Recoveries		436		133		3		644		29		—		24		3	$	1,272
Other adjustment		8		4		—		—		108		—		—		—	$	120
Provision (credit)		364		33		35		(571)		15		(5)		(7)		4	$	(132)
Ending Balance:	$	1,196	$	564	$	201	$	929	$	2,508	$	5	$	19	$	37	$	5,459
Balance, Individually Evaluated	$	—	$	—	$	—	$	—	$	120	$	—	$	—	$	—	$	120
Balance, Collectively Evaluated	$	1,196	$	564	$	201	$	929	$	2,388	$	5	$	19	$	37	$	5,339
Financing receivables:
Ending Balance	$	114,486	$	34,669	$	14,998	$	23,645	$	48,769	$	2,880	$	3,391	$	7,970	$	250,808
Ending Balance: individually evaluated for impairment	$	3,425	$	544	$	503	$	2,863	$	7,763	$	—	$	20	$	—	$	15,118
Ending Balance: collectively evaluated for impairment	$	103,417	$	30,358	$	13,932	$	20,782	$	40,747	$	2,880	$	3,346	$	7,453	$	222,915
Ending Balance: loans acquired at fair value	$	7,644	$	3,767	$	563	$	—	$	259	$	—	$	25	$	517	$	12,775

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table illustrates certain disclosures required by ASC 310-10-50-29(b) at June 30, 2015 and 2014.

At June 30, 2015:

Credit Risk Profile by Internally Assigned Grade
	One- to Four- Family Mortgage Owner Occupied		Consumer		One- to Four- Family Mortgage Nonowner- Occupied		Multi- Family Mortgage		Non- Residential Real Estate		Construction		Land		Commercial and Agricultural		Total
	(In thousands)
Grade:
Pass	$	118,671	$	33,016	$	7,352	$	16,167	$	33,913	$	3,060	$	1,867	$	7,442	$	221,488
Watch		4,371		1,219		5,479		2,405		5,931		1,018		77		1,757		22,257
Special mention		805		187		142		—		2,062		—		890		—		4,086
Substandard		3,237		458		995		724		6,023		—		151		—		11,588
Total:	$	127,084	$	34,880	$	13,968	$	19,296	$	47,929	$	4,078	$	2,985	$	9,199	$	259,419

At June 30, 2014:

Credit Risk Profile by Internally Assigned Grade
	One- to Four- Family Mortgage Owner Occupied		Consumer		One- to Four- Family Mortgage Nonowner- Occupied		Multi- Family Mortgage		Non- Residential Real Estate		Construction		Land		Commercial and Agricultural		Total
	(In thousands)
Grade:
Pass	$	104,266	$	32,898	$	9,210	$	16,573	$	29,539	$	2,880	$	1,591	$	5,951	$	202,908
Watch		6,067		913		4,531		3,867		9,001		—		723		2,019		27,121
Special mention		370		120		753		342		2,368		—		1,057		—		5,010
Substandard		3,783		738		504		2,863		7,861		—		20		—		15,769
Total:	$	114,486	$	34,669	$	14,998	$	23,645	$	48,769	$	2,880	$	3,391	$	7,970	$	250,808

Past Due Financing Receivables [Table Text Block]

The following table illustrates certain disclosures required by ASC 310-10-50-7A for gross loans.

At June 30, 2015:  

Age Analysis of Past Due Loans Receivable
	30-59 days past due		60-89 days past due		Greater than 90 days		Total past due		Total current		Total loans receivable
			(In thousands)
One- to four-family mortgage – owner occupied	$	640	$	523	$	230	$	1,393	$	125,691	$	127,084
Consumer		238		187		72		497		34,383		34,880
One- to four-family mortgage - nonowner- occupied		188		37		483		708		13,260		13,968
Multi-family mortgage		—		—		—		—		19,296		19,296
Nonresidential real estate mortgage – commercial and office buildings		—		—		—		—		47,929		47,929
Construction		—		—		—		—		4,078		4,078
Land		—		—		135		135		2,850		2,985
Commercial and agricultural		3		—		—		3		9,196		9,199
Total	$	1,069	$	747	$	920	$	2,736	$	256,683	$	259,419

At June 30, 2014:  

Age Analysis of Past Due Loans Receivable
	30-59 days past due		60-89 days past due		Greater than 90 days		Total past due		Total current		Total loans receivable
			(In thousands)
One- to four-family mortgage – owner occupied	$	1,590	$	165	$	440	$	2,195	$	112,291	$	114,486
Consumer		175		119		7		301		34,368		34,669
One- to four-family mortgage - nonowner- occupied		304		809		60		1,173		13,825		14,998
Multi-family mortgage		342		—		1,200		1,542		22,103		23,645
Nonresidential real estate mortgage – commercial and office buildings		161		75		829		1,065		47,704		48,769
Construction		—		—		—		—		2,880		2,880
Land		—		168		—		168		3,223		3,391
Commercial and agricultural		12		—		—		12		7,958		7,970
Total	$	2,584	$	1,336	$	2,536	$	6,456	$	244,352	$	250,808

Impaired Financing Receivables [Table Text Block]

The following table illustrates certain disclosures required by ASC 310-10-50-15.  

	Impaired Loans For the year ended June 30, 2015
	Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
With an allowance recorded:
One- to four-family mortgage – owner occupied	$	—	$	—	$	—	$	—	$	—
Consumer		—		—		—		—		—
One- to four-family mortgage - nonowner-occupied		—		—		—		—		—
Multi-family mortgage		—		—		—		—		—
Nonresidential real estate mortgage – commercial and office buildings		1,863		1,983		(120)		69		1,864
Construction		—		—		—		—		—
Land		—		—		—		—		—
Commercial and agricultural		—		—		—		—		—
Total	$	1,863	$	1,983	$	(120)	$	69	$	1,864

	Impaired Loans For the year ended June 30, 2015
	Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
Without an allowance recorded:
One- to four-family mortgage – owner occupied	$	3,158	$	3,640	$	—	$	43	$	3,489
Consumer		458		982		—		7		506
One- to four-family mortgage - nonowner-occupied		659		659		—		—		546
Multi-family mortgage		724		2,059		—		72		1,188
Nonresidential real estate mortgage – commercial and office buildings		3,946		7,351		—		53		4,684
Construction		—		—		—		—		—
Land		151		159		—		—		135
Commercial and agricultural		—		11		—		—		—
Total	$	9,096	$	14,861	$	—	$	175	$	10,548

	Impaired Loans For the year ended June 30, 2015
	Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
Total:
One- to four-family mortgage – owner occupied	$	3,158	$	3,640	$	—	$	43	$	3,489
Consumer		458		982		—		7		506
One- to four-family mortgage - nonowner-occupied		659		659		—		—		546
Multi-family mortgage		724		2,059		—		72		1,188
Nonresidential real estate mortgage – commercial and office buildings		5,809		9,334		(120)		122		6,548
Construction		—		—		—		—		—
Land		151		159		—		—		135
Commercial and agricultural		—		11		—		—		—
Total	$	10,959	$	16,844	$	(120)	$	244	$	12,412

		Impaired Loans For the year ended June 30, 2014
		Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
With an allowance recorded:
One- to four-family mortgage – owner occupied		$	—	$	—	$	—	$	—	$	—
Consumer			—		—		—		—		—
One- to four-family mortgage - nonowner-occupied			—		—		—		5		164
Multi-family mortgage			—		—		—		56		2,535
Nonresidential real estate mortgage – commercial and office buildings			1,867		1,987		(120)		52		2,115
Construction			—		—		—		—		—
Land			—		—		—		—		—
Commercial and agricultural			—		—		—		—		—
Total		$	1,867	$	1,987	$	(120)	$	113	$	4,814

	Impaired Loans For the year ended June 30, 2014
	Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
Without an allowance recorded:
One- to four-family mortgage – owner occupied	$	3,783	$	4,380	$	—	$	65	$	4,244
Consumer		634		1,163		—		25		591
One- to four-family mortgage - nonowner-occupied		504		617		—		25		874
Multi-family mortgage		2,863		4,602		—		202		4,365
Nonresidential real estate mortgage – commercial and office buildings		5,775		9,566		—		81		5,084
Construction		—		—		—		—		—
Land		19		28		—		—		24
Commercial and agricultural		—		8		—		—		1
Total	$	13,578	$	20,364	$	—	$	398	$	15,183

	Impaired Loans For the year ended June 30, 2014
	Recorded investment		Unpaid principal balance		Specific allowance		Interest income recognized		Average recorded investment
	(In thousands)
Total:
One- to four-family mortgage – owner occupied	$	3,783	$	4,380	$	—	$	65	$	4,244
Consumer		634		1,163		—		25		591
One- to four-family mortgage - nonowner-occupied		504		617		—		30		1,038
Multi-family mortgage		2,863		4,602		—		258		6,900
Nonresidential real estate mortgage – commercial and office buildings		7,642		11,553		(120)		133		7,199
Construction		—		—		—		—		—
Land		19		28		—		—		24
Commercial and agricultural		—		8		—		—		1
Total	$	15,445	$	22,351	$	(120)	$	511	$	19,997

Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield Movement Schedule [Table Text Block]

The following table depicts the accretable yield (in thousands) at the beginning and end of the period.

Balance, June 30, 2013	$	869
Accretion		70
Other adjustment		(8)
Balance, June 30, 2014	$	807
Accretion		216
Balance, June 30, 2015	$	591