CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024	Jun. 30, 2023
Assets
Cash and due from banks	$ 25,650	$ 36,937	$ 33,584
Federal funds sold	3,644	13,638	2,167
Interest-earning deposits with banks	67,227	114,615	114,727
Cash and cash equivalents	96,521	165,190	150,478
Securities available for sale, at fair value	321,537	257,409
Securities available for sale, at fair value			431,667
Securities held to maturity, net of allowance for credit losses of $216 at December 31, 2024 and $262 at June 30, 2024 (fair value of $22,457 at December 31, 2024; $22,437 at June 30, 2024; and $21,744 at June 30, 2023)	25,400	25,090
Securities held to maturity, net of allowance for credit losses of $216 at December 31, 2024 and $262 at June 30, 2024 (fair value of $22,457 at December 31, 2024; $22,437 at June 30, 2024; and $21,744 at June 30, 2023)			23,949
Equity securities, at fair value			2,413
Federal Reserve Bank of New York and Federal Home Loan Bank of New York stock	5,283	3,546	1,196
Loan receivable	1,456,329	1,365,870
Loans receivable			1,166,638
Allowance for credit losses	(21,754)	(21,801)
Allowance for credit losses			(22,469)
Net loans receivable	1,434,575	1,344,069
Net loans receivable			1,144,169
Accrued interest receivable	7,937	7,559	7,194
Premises and equipment, net	35,480	40,105	41,617
Bank-owned life insurance	15,956	16,009	16,322
Goodwill	10,879	10,879	8,799
Other intangible assets, net	2,705	2,951	2,096
Other assets	23,457	22,597	26,291
Total assets	1,979,730	1,895,404	1,856,191
Deposits:
Non-interest bearing deposits	454,296	445,328	526,119
Interest bearing deposits	1,131,887	1,104,924	1,015,732
Total deposits	1,586,183	1,550,252	1,541,851
Mortgagors' escrow deposits	8,097	9,701	7,888
Borrowings from Federal Home Loan Bank of New York	40,000
Other liabilities	40,897	38,923	39,752
Total liabilities	1,675,177	1,598,876	1,589,491
Commitments and contingent liabilities - See Note 14
Shareholders' Equity
Preferred stock ($0.01 par value, 5,000,000 shares authorized, no shares issued or outstanding as of December 31, 2024, June 30, 2024 and June 30, 2023)
Common stock ($0.01 par value, 75,000,000 shares authorized 25,978,904, 26,261,293 and 25,977,679 shares issued and outstanding as of December 31, 2024, June 30, 2024 and June 30, 2023, respectively)	260	263	260
Additional paid in capital	114,113	113,484	113,543
Retained earnings	194,188	187,731	173,038
Unallocated common stock of Employee Stock Ownership Plan ("ESOP")	(9,551)	(9,892)	(10,573)
Accumulated other comprehensive income (loss)	5,543	4,942	(9,568)
Total shareholders' equity	304,553	296,528	266,700
Total liabilities and shareholders' equity	$ 1,979,730	$ 1,895,404	$ 1,856,191