LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details)	9 Months Ended		12 Months Ended
	Sep. 30, 2024 USD ($) borrower	Sep. 30, 2023 USD ($) borrower	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Losses
Average loans	$ 188,627,000	$ 181,234,000
Net charge-offs to average loans (annualized)	0.13%	0.05%
Number of borrowers | borrower	11	6
Loans charged off	$ 371,000	$ 136,000	$ 203,000
Outstanding commitments	31,600,000	31,600,000
Term Loans by Origination Year
Year 3	13,000		47,000
Year 4	299,000		43,000
Year 5	38,000		27,000
Prior	21,000		86,000
Total	371,000	136,000	203,000
Unfunded commitments
Beginning balance	473,000	477,000	477,000
Reduction of unfunded reserve	(157,000)	(52,000)
Provisions charged to operations	281,000	23,000
Ending balance	$ 597,000	$ 448,000	473,000
Real Estate Loan | Single-family Residential
Financing Receivable, Allowance for Credit Losses
Number of borrowers | borrower	1
Commercial and Industrial | Commercial and Industrial
Financing Receivable, Allowance for Credit Losses
Loans charged off	$ 299,000
Term Loans by Origination Year
Year 4	299,000
Total	299,000
Consumer Loans | Consumer
Financing Receivable, Allowance for Credit Losses
Loans charged off	18,000		79,000
Term Loans by Origination Year
Year 3	13,000
Prior	5,000		79,000
Total	18,000		79,000
Consumer Loans | Automobile
Financing Receivable, Allowance for Credit Losses
Loans charged off	54,000		124,000
Term Loans by Origination Year
Year 3			47,000
Year 4			43,000
Year 5	38,000		27,000
Prior	16,000		7,000
Total	$ 54,000		$ 124,000