
	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2026
Residential	$	—		$	—		$	—		$	—		$	7,519		$	7,519
Commercial	—			—			—			—			2,678			2,678
Installment	—			—			—			—			3,978			3,978
Consumer	1,996			—			—			1,996			57,322			59,318
Secured credit card	480			469			1,454			2,403			6,361			8,764
Total loans	$	2,476		$	469		$	1,454		$	4,399		$	77,858		$	82,257

Percentage of outstanding	3.0		%	0.6		%	1.8		%	5.4		%	94.6		%	100.0		%

December 31, 2025
Residential	$	—		$	—		$	—		$	—		$	7,733		$	7,733
Commercial	—			—			—			—			22,688			22,688
Installment	8			35			—			43			5,773			5,816
Consumer	1,777			—			—			1,777			28,124			29,901
Secured credit card	544			554			1,835			2,933			7,682			10,615
Total loans	$	2,329		$	589		$	1,835		$	4,753		$	72,000		$	76,753

Percentage of outstanding	3.0		%	0.8		%	2.4		%	6.2		%	93.8		%	100.0		%

We offer an optional overdraft protection program service on certain demand deposit account programs that allows customers who opt-in and meet certain criteria to spend up to a pre-authorized amount in excess of their available account balance. When overdrawn, the purchase related balances due on these deposit accounts are reclassified as consumer loans. Fees due from our accountholders for our overdraft service are included as a component of accounts receivable. Overdrawn balances are unsecured and considered immediately due from the customer. Also included in consumer loans are advances made to taxpayers under our tax advance program. These loan balances generally fluctuate over the first half of each year due to the seasonal nature of these advances.

The following table presents the carrying value, gross of the related allowance for credit losses, of our nonperforming loans. See Note 2 — Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2025 for further information on the criteria for classification as nonperforming.

We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans include those designated as substandard, doubtful, or loss, consistent with regulatory guidelines. Secured credit card loans are considered classified if they are greater than 90 days past due. However, our secured credit card portfolio is collateralized by cash deposits made by each accountholder in an amount equal to the user's available credit limit, which mitigates the risk of any significant credit losses we expect to incur.

The table below presents the carrying value, gross of the related allowance for credit losses, of our loans within the primary credit quality indicators related to our loan portfolio:


	June 30, 2026				December 31, 2025
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Residential	$	7,508	$	11	$	7,714	$	19
Commercial	2,678		—		22,688		—
Installment	3,790		188		4,902		914
Consumer	59,318		—		29,901		—
Secured credit card	7,310		1,454		8,780		1,835
Total loans	$	80,604	$	1,653	$	73,985	$	2,768


	Three Months Ended June 30,				Six Months Ended June 30,
	2026		2025		2026		2025
	(In thousands)
Balance, beginning of period	$	21,645	$	22,356	$	21,053	$	17,542
Provision for loans	12,655		3,960		23,765		15,087
Loans charged off	(5,772)		(3,940)		(16,407)		(10,287)
Recoveries of loans previously charged off	29		30		146		64
Other	9,448		—		9,448		—
Balance, end of period	$	38,005	$	22,406	$	38,005	$	22,406