v3.26.1
Loans to Bank Customers (Tables)
 6 Months Ended
Jun. 30, 2026
Credit Loss [Abstract]  
Schedule of Past Due Financing Receivables
The following table presents total outstanding loans, gross of the related allowance for credit losses, and a summary of the related payment status:
30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotal Past DueTotal Current or Less Than 30 Days Past DueTotal Outstanding
(In thousands)
June 30, 2026
Residential$— $— $— $— $7,519 $7,519 
Commercial— — — — 2,678 2,678 
Installment— — — — 3,978 3,978 
Consumer1,996 — — 1,996 57,322 59,318 
Secured credit card480 469 1,454 2,403 6,361 8,764 
Total loans$2,476 $469 $1,454 $4,399 $77,858 $82,257 
Percentage of outstanding3.0 %0.6 %1.8 %5.4 %94.6 %100.0 %
December 31, 2025
Residential$— $— $— $— $7,733 $7,733 
Commercial— — — — 22,688 22,688 
Installment8 35 — 43 5,773 5,816 
Consumer1,777 — — 1,777 28,124 29,901 
Secured credit card544 554 1,835 2,933 7,682 10,615 
Total loans$2,329 $589 $1,835 $4,753 $72,000 $76,753 
Percentage of outstanding3.0 %0.8 %2.4 %6.2 %93.8 %100.0 %
Schedule of Nonperforming Loans
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.
June 30, 2026December 31, 2025
(In thousands)
Residential$11 $19 
Secured credit card1,454 1,835 
Total loans$1,465 $1,854 
Schedule of Financing Receivable Credit Quality Indicators
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, 2026December 31, 2025
Non-ClassifiedClassifiedNon-ClassifiedClassified
(In thousands)
Residential$7,508 $11 $7,714 $19 
Commercial2,678 — 22,688 — 
Installment3,790 188 4,902 914 
Consumer59,318 — 29,901 — 
Secured credit card7,310 1,454 8,780 1,835 
Total loans$80,604 $1,653 $73,985 $2,768 
Schedule of Allowance for Loan Losses
Activity in the allowance for credit losses on our loan portfolio consisted of the following:
Three Months Ended June 30,Six Months Ended June 30,
2026202520262025
(In thousands)
Balance, beginning of period$21,645 $22,356 $21,053 $17,542 
Provision for loans12,655 3,960 23,765 15,087 
Loans charged off(5,772)(3,940)(16,407)(10,287)
Recoveries of loans previously charged off29 30 146 64 
Other9,448 — 9,448 — 
Balance, end of period$38,005 $22,406 $38,005 $22,406