ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Jun. 30, 2017

ALLOWANCE FOR LOAN LOSSES [Abstract]

Schedule of Changes in the Allowance for Loan Losses

	2017		2016		2015
	(Dollars in Thousands)
Balance, July 1	$	360	$	304	$	234
Add:
Provision for loan losses		58		56		70
Less:
Loans charged off		—		—		—
Balance, June 30	$	418	$	360	$	304

Schedule of Primary Segments of Allowance for Loan Losses

	As of June 30, 2017
	First Mortgage Loans
	1 – 4 Family		Construction			Land Acquisition & Development			Multi- family			Commercial			Consumer Loans			Commercial Loans			Total
	(Dollars in Thousands)
Beginning ALLL Balance at June 30, 2016	$	222	$	57		$	7		$	22		$	16		$	29		$	7		$	360
Charge-offs		—		—			—			—			—			—			—			—
Recoveries		—		—			—			—			—			—			—			—
Provisions		83		(27	)		(2	)		(2	)		4			5			(3	)		58
Ending ALLL Balance at June 30, 2017	$	305	$	30		$	5		$	20		$	20		$	34		$	4		$	418
Individually evaluated for impairment	$	—	$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for impairment		305		30			5			20			20			34			4			418
	$	305	$	30		$	5		$	20		$	20		$	34		$	4		$	418
	As of June 30, 2016
	First Mortgage Loans
	1 – 4 Family		Construction			Land Acquisition & Development			Multi- family			Commercial			Consumer Loans			Commercial Loans			Total
	(Dollars in Thousands)
Beginning ALLL Balance at June 30, 2015	$	125	$	63		$	9		$	30		$	34		$	37		$	6		$	304
Charge-offs		—		—			—			—			—			—			—			—
Recoveries		—		—			—			—			—			—			—			—
Provisions		97		(6	)		(2	)		(8	)		(18	)		(8	)		1			56
Ending ALLL Balance at June 30, 2016	$	222	$	57		$	7		$	22		$	16		$	29		$	7		$	360
Individually evaluated for impairment	$	—	$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively evaluated for impairment		222		57			7			22			16			29			7			360
	$	222	$	57		$	7		$	22		$	16		$	29		$	7		$	360

	As of June 30, 2015
	First Mortgage Loans
	1 – 4 Family		Construction		Land Acquisition & Development		Multi- family		Commercial			Consumer Loans			Commercial Loans			Total
	(Dollars in Thousands)
Beginning ALLL Balance at June 30, 2014	$	103	$	14	$	5	$	12	$	45		$	47		$	8		$	234
Charge-offs		—		—		—		—		—			—			—			—
Recoveries		—		—		—		—		—			—			—			—
Provisions		22		49		4		18		(11	)		(10	)		(2	)		70
Ending ALLL Balance at June 30, 2015	$	125	$	63	$	9	$	30	$	34		$	37		$	6		$	304
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—		$	—		$	—		$	—
Collectively evaluated for impairment		125		63		9		30		34			37			6			304
	$	125	$	63	$	9	$	30	$	34		$	37		$	6		$	304

Schedule of Reserve Factors

Loan Segment	06/30/2017 Factor	06/30/2016 Factor	6/30/2015 Factor
1-4 Family Permanent	0.43%	0.40%	0.35%
Multi-Family – Permanent	0.55%	0.55%	0.50%