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NET LOANS RECEIVABLE - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Jun. 30, 2024
Jun. 30, 2023
Allowance for loan losses        
Allowance for loan losses at beginning of period   $ 22,469 $ 22,469 $ 22,524
Loans charged off       (233)
Recoveries on loans charged off       178
Allowance for loan losses at end of period       22,469
Allowance for credit losses - loans        
Beginning Balance $ 21,801      
Provisions (25) 1,575 2,163  
Charge-offs (256) (426) (610)  
Recoveries 234 55 90  
Ending Balance 21,754 21,362 21,801  
Liabilities for off-balance sheet credit exposures        
Beginning Balance 1,899      
Provisions 291 57 275  
Ending Balance 2,190 1,681 1,899  
Total allowance for credit losses        
Beginning Balance 23,700 22,469 22,469  
Provisions 266 1,632 2,438  
Charge-offs (256) (426) (610)  
Recoveries 234 55 90  
Ending Balance 23,944 23,043 23,700 22,469
Cumulative effect of change in accounting principle - Current Expected Credit Losses        
Allowance for loan losses        
Allowance for loan losses at beginning of period   (2,311) (2,311)  
Allowance for loan losses at end of period       (2,311)
Liabilities for off-balance sheet credit exposures        
Beginning Balance   1,624 1,624  
Ending Balance       1,624
Total allowance for credit losses        
Beginning Balance   (687) (687)  
Ending Balance       (687)
Commercial        
Allowance for loan losses        
Allowance for loan losses at beginning of period   14,288 14,288 17,818
Provision charged to operations       (3,567)
Loans charged off       (41)
Recoveries on loans charged off       78
Allowance for loan losses at end of period       14,288
Allowance for credit losses - loans        
Beginning Balance 12,504      
Provisions (540) (5) (205)  
Charge-offs (111) (345) (345)  
Recoveries 214 43 73  
Ending Balance 12,067 12,674 12,504  
Commercial | Cumulative effect of change in accounting principle - Current Expected Credit Losses        
Allowance for loan losses        
Allowance for loan losses at beginning of period   (1,307) (1,307)  
Allowance for loan losses at end of period       (1,307)
Residential mortgages        
Allowance for loan losses        
Allowance for loan losses at beginning of period   6,222 6,222 2,899
Provision charged to operations       3,283
Loans charged off       (26)
Recoveries on loans charged off       66
Allowance for loan losses at end of period       6,222
Allowance for credit losses - loans        
Beginning Balance 7,706      
Provisions 269 1,418 2,272  
Charge-offs (45)   (118)  
Ending Balance 7,930 6,970 7,706  
Residential mortgages | Cumulative effect of change in accounting principle - Current Expected Credit Losses        
Allowance for loan losses        
Allowance for loan losses at beginning of period   (670) (670)  
Allowance for loan losses at end of period       (670)
Home equity loans and lines of credit        
Allowance for loan losses        
Allowance for loan losses at beginning of period   1,470 1,470 1,388
Provision charged to operations       76
Loans charged off       (8)
Recoveries on loans charged off       14
Allowance for loan losses at end of period       1,470
Allowance for credit losses - loans        
Beginning Balance 1,244      
Provisions (59) 145 48  
Charge-offs   (12) (12)  
Recoveries   1 3  
Ending Balance 1,185 1,339 1,244  
Home equity loans and lines of credit | Cumulative effect of change in accounting principle - Current Expected Credit Losses        
Allowance for loan losses        
Allowance for loan losses at beginning of period   (265) (265)  
Allowance for loan losses at end of period       (265)
Consumer        
Allowance for loan losses        
Allowance for loan losses at beginning of period   489 489 419
Provision charged to operations       208
Loans charged off       (158)
Recoveries on loans charged off       20
Allowance for loan losses at end of period       489
Allowance for credit losses - loans        
Beginning Balance 347      
Provisions 305 17 48  
Charge-offs (100) (69) (135)  
Recoveries 20 11 14  
Ending Balance $ 572 379 347  
Consumer | Cumulative effect of change in accounting principle - Current Expected Credit Losses        
Allowance for loan losses        
Allowance for loan losses at beginning of period   $ (69) $ (69)  
Allowance for loan losses at end of period       $ (69)