Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes) (Details) - USD ($)
$ in Millions |
3 Months Ended |
6 Months Ended |
12 Months Ended |
Jun. 30, 2025 |
Jun. 30, 2024 |
Jun. 30, 2025 |
Jun. 30, 2024 |
Dec. 31, 2024 |
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Total loans, net |
[1] |
$ 326,340
|
|
$ 326,340
|
|
$ 316,467
|
| Gross charge-offs |
|
|
|
|
|
|
| Total |
|
324
|
$ 375
|
636
|
$ 705
|
|
| Automobile |
|
|
|
|
|
|
| Gross charge-offs |
|
|
|
|
|
|
| Year one |
|
|
|
0
|
|
9
|
| Year two |
|
|
|
18
|
|
44
|
| Year three |
|
|
|
22
|
|
27
|
| Year four |
|
|
|
11
|
|
17
|
| Year five |
|
|
|
6
|
|
12
|
| Prior |
|
|
|
8
|
|
22
|
| Revolving Loans |
|
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
|
|
0
|
|
0
|
| Total |
|
|
|
65
|
|
131
|
| Automobile | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
4,102
|
|
4,102
|
|
6,544
|
| Year two |
|
5,315
|
|
5,315
|
|
3,862
|
| Year three |
|
3,022
|
|
3,022
|
|
2,328
|
| Year four |
|
1,775
|
|
1,775
|
|
1,681
|
| Year five |
|
1,179
|
|
1,179
|
|
539
|
| Prior |
|
499
|
|
499
|
|
401
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
15,892
|
|
15,892
|
|
15,355
|
| Automobile | Greater than or equal to 780 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
2,444
|
|
2,444
|
|
3,288
|
| Year two |
|
2,465
|
|
2,465
|
|
1,717
|
| Year three |
|
1,352
|
|
1,352
|
|
1,094
|
| Year four |
|
837
|
|
837
|
|
865
|
| Year five |
|
608
|
|
608
|
|
241
|
| Prior |
|
189
|
|
189
|
|
125
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
7,895
|
|
7,895
|
|
7,330
|
| Automobile | 720 to 779 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
1,157
|
|
1,157
|
|
2,047
|
| Year two |
|
1,642
|
|
1,642
|
|
1,123
|
| Year three |
|
827
|
|
827
|
|
636
|
| Year four |
|
455
|
|
455
|
|
415
|
| Year five |
|
273
|
|
273
|
|
129
|
| Prior |
|
112
|
|
112
|
|
90
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
4,466
|
|
4,466
|
|
4,440
|
| Automobile | 660 to 719 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
422
|
|
422
|
|
963
|
| Year two |
|
845
|
|
845
|
|
671
|
| Year three |
|
505
|
|
505
|
|
367
|
| Year four |
|
277
|
|
277
|
|
227
|
| Year five |
|
158
|
|
158
|
|
82
|
| Prior |
|
83
|
|
83
|
|
74
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
2,290
|
|
2,290
|
|
2,384
|
| Automobile | Less than 660 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
79
|
|
79
|
|
246
|
| Year two |
|
363
|
|
363
|
|
351
|
| Year three |
|
338
|
|
338
|
|
231
|
| Year four |
|
206
|
|
206
|
|
174
|
| Year five |
|
140
|
|
140
|
|
87
|
| Prior |
|
115
|
|
115
|
|
112
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
1,241
|
|
1,241
|
|
1,201
|
| Credit card |
|
|
|
|
|
|
| Gross charge-offs |
|
|
|
|
|
|
| Year one |
|
|
|
0
|
|
0
|
| Year two |
|
|
|
0
|
|
0
|
| Year three |
|
|
|
0
|
|
0
|
| Year four |
|
|
|
0
|
|
0
|
| Year five |
|
|
|
0
|
|
0
|
| Prior |
|
|
|
0
|
|
0
|
| Revolving Loans |
|
|
|
150
|
|
316
|
| Revolving Loans Converted to Term |
|
|
|
21
|
|
39
|
| Total |
|
|
|
171
|
|
355
|
| Credit card | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
6,489
|
|
6,489
|
|
6,797
|
| Revolving Loans Converted to Term |
|
81
|
|
81
|
|
82
|
| Total loans, net |
|
6,570
|
|
6,570
|
|
6,879
|
| Credit card | Greater than or equal to 780 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
2,045
|
|
2,045
|
|
2,090
|
| Revolving Loans Converted to Term |
|
2
|
|
2
|
|
2
|
| Total loans, net |
|
2,047
|
|
2,047
|
|
2,092
|
| Credit card | 720 to 779 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
1,745
|
|
1,745
|
|
1,859
|
| Revolving Loans Converted to Term |
|
5
|
|
5
|
|
5
|
| Total loans, net |
|
1,750
|
|
1,750
|
|
1,864
|
| Credit card | 660 to 719 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
1,707
|
|
1,707
|
|
1,815
|
| Revolving Loans Converted to Term |
|
16
|
|
16
|
|
16
|
| Total loans, net |
|
1,723
|
|
1,723
|
|
1,831
|
| Credit card | Less than 660 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
888
|
|
888
|
|
936
|
| Revolving Loans Converted to Term |
|
56
|
|
56
|
|
57
|
| Total loans, net |
|
944
|
|
944
|
|
993
|
| Credit card | No FICO score available or required | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
0
|
|
0
|
|
0
|
| Revolving Loans |
|
104
|
|
104
|
|
97
|
| Revolving Loans Converted to Term |
|
2
|
|
2
|
|
2
|
| Total loans, net |
|
106
|
|
106
|
|
99
|
| Education |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
28
|
|
28
|
|
70
|
| Year two |
|
92
|
|
92
|
|
116
|
| Year three |
|
106
|
|
106
|
|
139
|
| Year four |
|
126
|
|
126
|
|
67
|
| Year five |
|
59
|
|
59
|
|
53
|
| Prior |
|
1,136
|
|
1,136
|
|
1,191
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
1,547
|
|
1,547
|
|
1,636
|
| Gross charge-offs |
|
|
|
|
|
|
| Year one |
|
|
|
0
|
|
0
|
| Year two |
|
|
|
0
|
|
0
|
| Year three |
|
|
|
0
|
|
1
|
| Year four |
|
|
|
1
|
|
1
|
| Year five |
|
|
|
0
|
|
1
|
| Prior |
|
|
|
8
|
|
16
|
| Revolving Loans |
|
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
|
|
0
|
|
0
|
| Total |
|
|
|
9
|
|
19
|
| Education | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
28
|
|
28
|
|
70
|
| Year two |
|
92
|
|
92
|
|
116
|
| Year three |
|
106
|
|
106
|
|
139
|
| Year four |
|
126
|
|
126
|
|
67
|
| Year five |
|
59
|
|
59
|
|
53
|
| Prior |
|
490
|
|
490
|
|
500
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
901
|
|
901
|
|
945
|
| Education | Greater than or equal to 780 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
9
|
|
9
|
|
22
|
| Year two |
|
46
|
|
46
|
|
58
|
| Year three |
|
52
|
|
52
|
|
79
|
| Year four |
|
75
|
|
75
|
|
39
|
| Year five |
|
36
|
|
36
|
|
33
|
| Prior |
|
313
|
|
313
|
|
318
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
531
|
|
531
|
|
549
|
| Education | 720 to 779 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
9
|
|
9
|
|
20
|
| Year two |
|
28
|
|
28
|
|
36
|
| Year three |
|
33
|
|
33
|
|
38
|
| Year four |
|
32
|
|
32
|
|
20
|
| Year five |
|
15
|
|
15
|
|
14
|
| Prior |
|
110
|
|
110
|
|
116
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
227
|
|
227
|
|
244
|
| Education | 660 to 719 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
4
|
|
4
|
|
13
|
| Year two |
|
10
|
|
10
|
|
14
|
| Year three |
|
13
|
|
13
|
|
15
|
| Year four |
|
13
|
|
13
|
|
6
|
| Year five |
|
6
|
|
6
|
|
5
|
| Prior |
|
46
|
|
46
|
|
46
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
92
|
|
92
|
|
99
|
| Education | Less than 660 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
1
|
|
1
|
|
3
|
| Year two |
|
2
|
|
2
|
|
3
|
| Year three |
|
4
|
|
4
|
|
3
|
| Year four |
|
3
|
|
3
|
|
1
|
| Year five |
|
1
|
|
1
|
|
1
|
| Prior |
|
20
|
|
20
|
|
19
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
31
|
|
31
|
|
30
|
| Education | No FICO score available or required | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
5
|
|
5
|
|
12
|
| Year two |
|
6
|
|
6
|
|
5
|
| Year three |
|
4
|
|
4
|
|
4
|
| Year four |
|
3
|
|
3
|
|
1
|
| Year five |
|
1
|
|
1
|
|
0
|
| Prior |
|
1
|
|
1
|
|
1
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
20
|
|
20
|
|
23
|
| Education | Other internal credit metrics |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
0
|
|
0
|
|
0
|
| Year two |
|
0
|
|
0
|
|
0
|
| Year three |
|
0
|
|
0
|
|
0
|
| Year four |
|
0
|
|
0
|
|
0
|
| Year five |
|
0
|
|
0
|
|
0
|
| Prior |
|
646
|
|
646
|
|
691
|
| Revolving Loans |
|
0
|
|
0
|
|
0
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
0
|
| Total loans, net |
|
646
|
|
646
|
|
691
|
| Other consumer |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
439
|
|
439
|
|
766
|
| Year two |
|
594
|
|
594
|
|
409
|
| Year three |
|
290
|
|
290
|
|
317
|
| Year four |
|
206
|
|
206
|
|
90
|
| Year five |
|
57
|
|
57
|
|
36
|
| Prior |
|
119
|
|
119
|
|
113
|
| Revolving Loans |
|
2,422
|
|
2,422
|
|
2,284
|
| Revolving Loans Converted to Term |
|
11
|
|
11
|
|
12
|
| Total loans, net |
|
4,138
|
|
4,138
|
|
4,027
|
| Gross charge-offs |
|
|
|
|
|
|
| Year one |
|
|
|
38
|
|
76
|
| Year two |
|
|
|
9
|
|
27
|
| Year three |
|
|
|
14
|
|
26
|
| Year four |
|
|
|
7
|
|
13
|
| Year five |
|
|
|
2
|
|
8
|
| Prior |
|
|
|
2
|
|
9
|
| Revolving Loans |
|
|
|
5
|
|
11
|
| Revolving Loans Converted to Term |
|
|
|
0
|
|
1
|
| Total |
|
|
|
77
|
|
171
|
| Other consumer | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
433
|
|
433
|
|
760
|
| Year two |
|
589
|
|
589
|
|
400
|
| Year three |
|
285
|
|
285
|
|
240
|
| Year four |
|
157
|
|
157
|
|
78
|
| Year five |
|
46
|
|
46
|
|
25
|
| Prior |
|
23
|
|
23
|
|
23
|
| Revolving Loans |
|
213
|
|
213
|
|
228
|
| Revolving Loans Converted to Term |
|
3
|
|
3
|
|
4
|
| Total loans, net |
|
1,749
|
|
1,749
|
|
1,758
|
| Other consumer | Greater than or equal to 780 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
140
|
|
140
|
|
245
|
| Year two |
|
192
|
|
192
|
|
129
|
| Year three |
|
89
|
|
89
|
|
64
|
| Year four |
|
41
|
|
41
|
|
20
|
| Year five |
|
12
|
|
12
|
|
5
|
| Prior |
|
6
|
|
6
|
|
6
|
| Revolving Loans |
|
34
|
|
34
|
|
37
|
| Revolving Loans Converted to Term |
|
1
|
|
1
|
|
1
|
| Total loans, net |
|
515
|
|
515
|
|
507
|
| Other consumer | 720 to 779 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
163
|
|
163
|
|
292
|
| Year two |
|
213
|
|
213
|
|
141
|
| Year three |
|
94
|
|
94
|
|
70
|
| Year four |
|
45
|
|
45
|
|
21
|
| Year five |
|
12
|
|
12
|
|
6
|
| Prior |
|
6
|
|
6
|
|
6
|
| Revolving Loans |
|
67
|
|
67
|
|
72
|
| Revolving Loans Converted to Term |
|
1
|
|
1
|
|
1
|
| Total loans, net |
|
601
|
|
601
|
|
609
|
| Other consumer | 660 to 719 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
123
|
|
123
|
|
203
|
| Year two |
|
144
|
|
144
|
|
97
|
| Year three |
|
72
|
|
72
|
|
72
|
| Year four |
|
46
|
|
46
|
|
22
|
| Year five |
|
12
|
|
12
|
|
8
|
| Prior |
|
6
|
|
6
|
|
6
|
| Revolving Loans |
|
73
|
|
73
|
|
79
|
| Revolving Loans Converted to Term |
|
0
|
|
0
|
|
1
|
| Total loans, net |
|
476
|
|
476
|
|
488
|
| Other consumer | Less than 660 | Using FICO Credit Metric |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
7
|
|
7
|
|
20
|
| Year two |
|
40
|
|
40
|
|
33
|
| Year three |
|
30
|
|
30
|
|
34
|
| Year four |
|
25
|
|
25
|
|
15
|
| Year five |
|
10
|
|
10
|
|
6
|
| Prior |
|
5
|
|
5
|
|
5
|
| Revolving Loans |
|
39
|
|
39
|
|
40
|
| Revolving Loans Converted to Term |
|
1
|
|
1
|
|
1
|
| Total loans, net |
|
157
|
|
157
|
|
154
|
| Other consumer | Other internal credit metrics |
|
|
|
|
|
|
| Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |
|
|
|
|
|
|
| Year one |
|
6
|
|
6
|
|
6
|
| Year two |
|
5
|
|
5
|
|
9
|
| Year three |
|
5
|
|
5
|
|
77
|
| Year four |
|
49
|
|
49
|
|
12
|
| Year five |
|
11
|
|
11
|
|
11
|
| Prior |
|
96
|
|
96
|
|
90
|
| Revolving Loans |
|
2,209
|
|
2,209
|
|
2,056
|
| Revolving Loans Converted to Term |
|
8
|
|
8
|
|
8
|
| Total loans, net |
|
$ 2,389
|
|
$ 2,389
|
|
$ 2,269
|
|
|