(6) Fair Value Measurement

 

ASC Topic 820 “Fair Value Measurement” (“Topic 820”) defines fair value, establishes a market-based framework or hierarchy for measuring fair value, and expands disclosures about fair value measurements. Topic 820 is applicable whenever assets and liabilities are measured and included in the financial statements at fair value. The fair value hierarchy established in the standard prioritizes the inputs used in valuation techniques into three levels as follows:

 

Level 1 - Quoted prices in active markets for identical assets or liabilities.

 

Level 2 - Inputs other than Level 1 that are observable, either directly or indirectly, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.

 

Level 3 - Unobservable inputs that are supported by little or no market activity and are significant to the fair value of the assets or liabilities.

 

The following tables present the carrying amounts, estimated fair values, and valuation input levels of certain financial instruments as of June 30, 2025, and  June 30, 2024:

 

  

June 30, 2025

 
  

Carrying

  

Fair Value Measured Using

  

Fair

 

(In thousands)

 

Amount

  

Level 1

  

Level 2

  

Level 3

  

Value

 

Available-for-Sale Securities

                    

Short-Term Investments

                    

Mutual Funds - Corporate & Government Debt

 $9,879  $9,879  $-  $-  $9,879 

ETFs - Corporate & Government Debt

  5,229   5,229   -   -   5,229 

Total Available-for-Sale Investments

 $15,108  $15,108  $-  $-  $15,108 

  

  

June 30, 2024

 
  

Carrying

  

Fair Value Measured Using

  

Fair

 

(In thousands)

 

Amount

  

Level 1

  

Level 2

  

Level 3

  

Value

 

Available-for-Sale Securities

                    

Short-Term Investments

                    

Mutual Funds - Corporate & Government Debt

 $14,426  $14,426  $-  $-  $14,426 

ETFs - Corporate & Government Debt

  7,048   7,048   -   -   7,048 

Total Available-for-Sale Investments

 $21,474  $21,474  $-  $-  $21,474 

 

The value of available-for-sale investments is based on pricing from third-party pricing vendors, who may use quoted prices in active markets for identical assets (Level 1 inputs).

 

Historical Timeline

Fiscal YearFiled
2025Sep 26, 2025Showing above
2024Sep 20, 2024
2023Sep 28, 2023
2022Sep 15, 2022

About Fair Value Disclosures

Fair value disclosures classify all assets and liabilities measured at fair value into a three-level hierarchy: Level 1 (quoted market prices), Level 2 (observable inputs like yield curves), and Level 3 (unobservable inputs requiring management estimates). The proportion of Level 3 assets directly reflects how much of the balance sheet depends on internal models rather than market evidence.

Key signals: a growing Level 3 balance relative to total fair-value assets increases valuation uncertainty and earnings volatility risk. Watch for transfers between levels — assets moving from Level 2 to Level 3 often signal deteriorating market liquidity. Unrealized gains and losses on Level 3 positions flow through earnings or other comprehensive income, so large swings deserve scrutiny. For financial institutions, examine the sensitivity disclosures that show how Level 3 valuations change under alternative assumptions. Compare the fair value of debt against its carrying amount to gauge hidden leverage.