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Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Schedule of Composition of the Loan Portfolio, Excluding Loans Held-for-sale
The composition of the loans-held-for portfolio at the dates indicated, excluding loans held-for-sale, was as follows (in thousands):
 September 30,
2022		December 31,
2021
Real estate loans:  
One-to-four family$270,009 $207,660 
Home equity17,642 13,250 
Commercial and multifamily315,677 278,175 
Construction and land112,980 63,105 
Total real estate loans716,308 562,190 
Consumer loans:
Manufactured homes25,375 21,636 
Floating homes69,968 59,268 
Other consumer17,565 16,748 
Total consumer loans112,908 97,652 
Commercial business loans23,986 28,026 
Total loans held-for-portfolio853,202 687,868 
Premiums for purchased loans(1)
984 897 
Deferred fees, net(2,739)(2,367)
Total loans held-for-portfolio, gross851,447 686,398 
Allowance for loan losses(7,489)(6,306)
Total loans held-for-portfolio, net$843,958 $680,092 
(1)Includes premiums resulting from purchased loans of $514 thousand related to one-to-four family loans, $315 thousand related to commercial and multifamily loans, and $155 thousand related to commercial business loans as of September 30, 2022. Includes premiums resulting from purchased loans of $556 thousand related to one-to-four family loans, $181 thousand related to commercial and multifamily loans, and $160 thousand related to commercial business loans as of December 31, 2021.
Schedule of Allowance For Loan Losses and Unpaid Principal Balance in Loans
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of the dates indicated (in thousands):
September 30, 2022
 Allowance: Individually evaluated for impairmentAllowance: Collectively evaluated for impairmentAllowance:
Ending balance		Loans held for portfolio: Individually evaluated for impairmentLoans held for portfolio: Collectively evaluated for impairmentLoans held for portfolio:
Ending balance
One-to-four family$106 $1,653 $1,759 $3,575 $266,434 $270,009 
Home equity5 116 121 203 17,439 17,642 
Commercial and multifamily— 2,349 2,349 — 315,677 315,677 
Construction and land3 1,127 1,130 63 112,917 112,980 
Manufactured homes101 388 489 193 25,182 25,375 
Floating homes— 430 430 — 69,968 69,968 
Other consumer24 301 325 365 17,200 17,565 
Commercial business— 233 233 — 23,986 23,986 
Unallocated— 653 653 — — — 
Total$239 $7,250 $7,489 $4,399 $848,803 $853,202 
December 31, 2021
 Allowance: Individually evaluated for impairmentAllowance: Collectively evaluated for impairmentAllowance:
Ending balance		Loans held for portfolio: Individually evaluated for impairmentLoans held for portfolio: Collectively evaluated for impairmentLoans held for portfolio:
Ending balance
One-to-four family$112 $1,290 $1,402 $4,066 $203,594 $207,660 
Home equity7 86 93 215 13,035 13,250 
Commercial and multifamily— 2,340 2,340 2,380 275,795 278,175 
Construction and land4 646 650 68 63,037 63,105 
Manufactured homes144 331 475 221 21,415 21,636 
Floating homes— 372 372 493 58,775 59,268 
Other consumer26 284 310 106 16,642 16,748 
Commercial business— 269 269 176 27,850 28,026 
Unallocated— 395 395 — — — 
Total$293 $6,013 $6,306 $7,725 $680,143 $687,868 
The following tables summarize the activity in the allowance for loan losses for the periods indicated (in thousands):
Three Months Ended September 30, 2022
 Beginning
Allowance		Charge-offsRecoveriesProvision (Recapture)Ending
Allowance
One-to-four family$1,638 $— $— $121 $1,759 
Home equity113 — — 8 121 
Commercial and multifamily2,312 — — 37 2,349 
Construction and land1,024 — — 106 1,130 
Manufactured homes444 — — 45 489 
Floating homes410 — — 20 430 
Other consumer331 (6)3 (3)325 
Commercial business240 — — (7)233 
Unallocated605 — — 48 653 
Total$7,117 $(6)$3 $375 $7,489 
Nine Months Ended September 30, 2022
 Beginning
Allowance		Charge-offsRecoveriesProvision (Recapture)Ending
Allowance
One-to-four family$1,402 $— $45 $312 $1,759 
Home equity93 — 58 (30)121 
Commercial and multifamily2,340 — — 9 2,349 
Construction and land650 — — 480 1,130 
Manufactured homes475 — 12 2 489 
Floating homes372 — — 58 430 
Other consumer310 (42)9 48 325 
Commercial business269 (6)6 (36)233 
Unallocated395 — — 258 653 
Total$6,306 $(48)$130 $1,101 $7,489 
Three Months Ended September 30, 2021
 Beginning
Allowance		Charge-offsRecoveriesProvision
(Recapture) 		Ending
Allowance
One-to-four family$1,292 $— $— $28 $1,320 
Home equity111 — 2 (19)94 
Commercial and multifamily1,987 — — (130)1,857 
Construction and land700 — — 76 776 
Manufactured homes367 — 1 (65)303 
Floating homes318 — — 65 383 
Other consumer201 (8)— 13 206 
Commercial business693 — — (267)426 
Unallocated488 — — 474 962 
Total$6,157 $(8)$3 $175 $6,327 
Nine Months Ended September 30, 2021
 Beginning
Allowance		Charge-offsRecoveriesProvision
(Recapture) 		Ending
Allowance
One-to-four family$1,063 $(76)$— $333 $1,320 
Home equity147 (8)4 (49)94 
Commercial and multifamily2,370 — — (513)1,857 
Construction and land578 — — 198 776 
Manufactured homes529 (2)3 (227)303 
Floating homes328 — — 55 383 
Other consumer288 (27)6 (61)206 
Commercial business291 — 2 133 426 
Unallocated406 — — 556 962 
Total$6,000 $(113)$15 $425 $6,327 
Schedule of Credit Quality Indicators, Internally Assigned Grades
The following tables present the internally assigned grades as of the dates indicated, by type of loan (in thousands):
September 30, 2022
 One-to-
four family		Home
equity		Commercial
and multifamily		Construction
and land		Manufactured
homes		Floating
homes		Other
consumer		Commercial
business		Total
Grade:         
Pass$267,032 $17,331 $294,855 $108,288 $25,065 $69,968 $17,283 $23,859 $823,681 
Watch285 2 15,559 3,901 143 — 1 127 20,018 
Special Mention— — 4,099 — — — — — 4,099 
Substandard2,692 309 1,164 791 167 — 281 — 5,404 
Total$270,009 $17,642 $315,677 $112,980 $25,375 $69,968 $17,565 $23,986 $853,202 
December 31, 2021
 One-to-
four family		Home
equity		Commercial
and multifamily		Construction
and land		Manufactured
homes		Floating
homes		Other
consumer		Commercial
business		Total
Grade:         
Pass$203,883 $12,904 $233,300 $56,310 $21,137 $58,171 $16,728 $23,713 $626,146 
Watch363 23 32,770 4,347 305 — — 3,561 41,369 
Special Mention— — 4,553 830 — 604 — 211 6,198 
Substandard3,414 323 7,552 1,618 194 493 20 541 14,155 
Total$207,660 $13,250 $278,175 $63,105 $21,636 $59,268 $16,748 $28,026 $687,868 
Schedule of Investment in Nonaccrual Loans
The following table presents the recorded investment in nonaccrual loans as of the dates indicated, by type of loan (in thousands):
 September 30, 2022December 31, 2021
One-to-four family$1,960 $2,207 
Home equity133 140 
Commercial and multifamily— 2,380 
Construction and land29 33 
Manufactured homes99 122 
Floating homes— 493 
Other consumer265 — 
Commercial business— 176 
Total$2,486 $5,552 
Summary of Recorded Investment Aging In Past Due Loans
The following tables present the aging of the recorded investment in past due loans as of the dates indicated, by type of loan (in thousands):
September 30, 2022
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days and Greater Past Due> 90 Days and AccruingTotal Past
Due		CurrentTotal Loans
One-to-four family$— $94 $1,846 $— $1,940 $268,069 $270,009 
Home equity111 — 133 — 244 17,398 17,642 
Commercial and multifamily— — — — — 315,677 315,677 
Construction and land— — — — — 112,980 112,980 
Manufactured homes— — 135 — 135 25,240 25,375 
Floating homes— — — — — 69,968 69,968 
Other consumer4 2 — — 6 17,559 17,565 
Commercial business— — — — — 23,986 23,986 
Total$115 $96 $2,114 $— $2,325 $850,877 $853,202 
December 31, 2021
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days and Greater Past Due> 90 Days and AccruingTotal Past
Due		CurrentTotal Loans
One-to-four family$1,805 $58 $87 $— $1,950 $205,710 $207,660 
Home equity— — 140 — 140 13,110 13,250 
Commercial and multifamily— — — — — 278,175 278,175 
Construction and land837 — — — 837 62,268 63,105 
Manufactured homes123 — 59 — 182 21,454 21,636 
Floating homes— — 244 — 244 59,024 59,268 
Other consumer2 76 — — 78 16,670 16,748 
Commercial business6 — 176 — 182 27,844 28,026 
Total$2,773 $134 $706 $— $3,613 $684,255 $687,868 
Schedule of Credit Risk Profile Based on Payment Activity
The following tables present the credit risk profile of our loan portfolio based on payment activity as of the dates indicated, by type of loan (in thousands):
September 30, 2022
One-to-four
family		Home
equity		Commercial
and
multifamily		Construction
and land		Manufactured
homes		Floating
homes		Other
consumer		Commercial
business		Total
Performing$268,049 $17,509 $315,677 $112,951 $25,276 $69,968 $17,300 $23,986 $850,716 
Nonperforming1,960 133 — 29 99 — 265 — 2,486 
Total$270,009 $17,642 $315,677 $112,980 $25,375 $69,968 $17,565 $23,986 $853,202 
December 31, 2021
One-to-four
family		Home
equity		Commercial
and
multifamily		Construction
and land		Manufactured
homes		Floating
homes		Other
consumer		Commercial
business		Total
Performing$205,453 $13,110 $275,795 $63,072 $21,514 $58,775 $16,748 $27,850 $682,316 
Nonperforming2,207 140 2,380 33 122 493 — 176 5,552 
Total$207,660 $13,250 $278,175 $63,105 $21,636 $59,268 $16,748 $28,026 $687,868 
Schedule of Impaired Loans
Impaired loans at the dates indicated, by type of loan were as follows (in thousands):
 September 30, 2022
  Recorded Investment 
 Unpaid Principal
Balance		Without
Allowance		With
Allowance		Total
Recorded
Investment		Related
Allowance
One-to-four family$3,637 $2,713 $862 $3,575 $106 
Home equity203 133 70 203 5 
Commercial and multifamily— — — — — 
Construction and land63 29 34 63 3 
Manufactured homes193 68 125 193 101 
Floating homes— — — — — 
Other consumer364 265 100 365 24 
Commercial business— — — — — 
Total$4,460 $3,208 $1,191 $4,399 $239 
 December 31, 2021
  Recorded Investment 
 Unpaid Principal
Balance		Without
Allowance		With
Allowance		Total
Recorded
Investment		Related
Allowance
One-to-four family$4,177 $3,109 $957 $4,066 $112 
Home equity215 140 75 215 7 
Commercial and multifamily2,380 2,380 — 2,380 — 
Construction and land68 33 35 68 4 
Manufactured homes221 44 177 221 144 
Floating homes493 493 — 493 — 
Other consumer106 — 106 106 26 
Commercial business176 176 — 176 — 
Total$7,836 $6,375 $1,350 $7,725 $293 
The following tables present the average recorded investment and interest income recognized on impaired loans for the periods indicated, by loan types (in thousands):
Three Months Ended September 30,
 20222021
 Average
Recorded
Investment		Interest Income
Recognized		Average
Recorded
Investment		Interest Income
Recognized
One-to-four family$3,436 $32 $3,069 $60 
Home equity213 1 321 3 
Commercial and multifamily1,154 135 — — 
Construction and land64 1 166 11 
Manufactured homes193 3 225 3 
Floating homes— — 507 5 
Other consumer349 4 109 1 
Commercial business— — 93 1 
Total$5,409 $176 $4,490 $84 
Nine Months Ended September 30,
 20222021
 Average
Recorded
Investment		Interest Income
Recognized		Average
Recorded
Investment		Interest Income
Recognized
One-to-four family$3,599 $76 $3,322 $118 
Home equity217 8 305 11 
Commercial and multifamily1,756 186 176 — 
Construction and land66 3 121 12 
Manufactured homes206 12 244 12 
Floating homes123 — 511 12 
Other consumer288 13 111 4 
Commercial business86 — 353 1 
Total$6,341 $298 $5,143 $170