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v3.20.2

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2020 | Sep. 30, 2019 | Sep. 30, 2020 | Sep. 30, 2019 | Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Transfer of allowance for funded loans | $ (60,666) | $ (76,227) | $ (178,120) | $ (205,916) |
Current period recoveries | 6,896 | 8,322 | 23,282 | 22,312 |
Net charge-offs | (53,770) | (67,905) | (154,838) | $ (183,604) |
Personal Loans |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Total | 0 |  | 0 |  | $ 1,049,007
Consumer Portfolio Segment |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Transfer of allowance for funded loans | (100,470) | $ (2,170) |  |  |
Consumer Portfolio Segment | Student Loan |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 1,758,337 |  | 1,758,337 |  |
2019 | 3,031,984 |  | 3,031,984 |  | 2,340,221
2018 | 2,374,526 |  | 2,374,526 |  | 3,159,878
2017 | 2,092,242 |  | 2,092,242 |  | 2,781,132
2016 | 1,920,310 |  | 1,920,310 |  | 2,566,815
2015 and Prior | 4,197,607 |  | 4,197,607 |  | 2,225,721
2014 and Prior |  |  |  |  | 3,241,884
Total | 15,375,006 |  | 15,375,006 |  | 16,315,651
Current period gross charge-offs, 2020 |  |  | (458) |  | (1,697)
Current period gross charge-offs, 2019 |  |  | (6,040) |  | (14,650)
Current period gross charge-offs, 2018 |  |  | (18,124) |  | (29,119)
Current period gross charge-offs, 2017 |  |  | (25,359) |  | (40,576)
Current period gross charge-offs, 2016 |  |  | (24,979) |  | (41,141)
Current period gross charge-offs, 2015 and prior |  |  | (63,586) |  | (81,795)
Transfer of allowance for funded loans |  |  | (138,546) |  | (208,978)
Current period recoveries, 2020 |  |  | 5 |  | 69
Current period recoveries, 2019 |  |  | 381 |  | 1,016
Current period recoveries, 2018 |  |  | 1,672 |  | 2,622
Current period recoveries, 2017 |  |  | 2,778 |  | 4,431
Current period recoveries, 2016 |  |  | 3,277 |  | 5,175
Current period recoveries, 2015 and prior |  |  | 10,185 |  | 12,452
Current period recoveries |  |  | 18,298 |  | 25,765
Current period net charge-offs, 2020 |  |  | (453) |  | (1,628)
Current period net charge-offs, 2019 |  |  | (5,659) |  | (13,634)
Current period net charge-offs, 2018 |  |  | (16,452) |  | (26,497)
Current period net charge-offs, 2017 |  |  | (22,581) |  | (36,145)
Current period net charge-offs, 2016 |  |  | (21,702) |  | (35,966)
Current period net charge-offs, 2015 and prior |  |  | (53,401) |  | (69,343)
Net charge-offs |  |  | (120,248) |  | (183,213)
Total accrued interest by origination vintage, 2020 | 54,276 |  | 54,276 |  | 116,423
Total accrued interest by origination vintage, 2019 | 308,207 |  | 308,207 |  | 321,568
Total accrued interest by origination vintage, 2018 | 325,240 |  | 325,240 |  | 327,002
Total accrued interest by origination vintage, 2017 | 289,104 |  | 289,104 |  | 261,083
Total accrued interest by origination vintage, 2016 | 209,478 |  | 209,478 |  | 165,764
Total accrued interest by origination vintage, 2015 and prior | 267,871 |  | 267,871 |  | 174,318
Total accrued interest by origination vintage | 1,454,176 |  | 1,454,176 |  | 1,366,158
Consumer Portfolio Segment | Student Loan | With Cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 2,583,111 |  | 2,583,111 |  |
2019 | 4,444,417 |  | 4,444,417 |  | 3,475,256
2018 | 3,156,414 |  | 3,156,414 |  | 4,303,772
2017 | 2,695,281 |  | 2,695,281 |  | 3,575,973
2016 | 2,338,980 |  | 2,338,980 |  | 3,112,873
2015 and Prior | 4,833,371 |  | 4,833,371 |  | 2,579,214
2014 and Prior |  |  |  |  | 3,662,547
Total | $ 20,051,574 |  | $ 20,051,574 |  | $ 20,709,635
Private education loans | 89.00% |  | 89.00% |  | 89.00%
Consumer Portfolio Segment | Student Loan | Without Cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 445,546 |  | $ 445,546 |  |
2019 | 651,283 |  | 651,283 |  | $ 571,792
2018 | 448,682 |  | 448,682 |  | 584,601
2017 | 323,888 |  | 323,888 |  | 427,512
2016 | 246,098 |  | 246,098 |  | 320,985
2015 and Prior | 447,256 |  | 447,256 |  | 241,958
2014 and Prior |  |  |  |  | 333,108
Total | $ 2,562,753 |  | $ 2,562,753 |  | $ 2,479,956
Private education loans | 11.00% |  | 11.00% |  | 11.00%
Consumer Portfolio Segment | Student Loan | Cosigners |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 3,028,657 |  | $ 3,028,657 |  |
2019 | 5,095,700 |  | 5,095,700 |  | $ 4,047,048
2018 | 3,605,096 |  | 3,605,096 |  | 4,888,373
2017 | 3,019,169 |  | 3,019,169 |  | 4,003,485
2016 | 2,585,078 |  | 2,585,078 |  | 3,433,858
2015 and Prior | 5,280,627 |  | 5,280,627 |  | 2,821,172
2014 and Prior |  |  |  |  | 3,995,655
Total | $ 22,614,327 |  | $ 22,614,327 |  | $ 23,189,591
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO at Original Approval |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 3,028,657 |  | $ 3,028,657 |  |
2019 | 5,095,700 |  | 5,095,700 |  | $ 4,047,048
2018 | 3,605,096 |  | 3,605,096 |  | 4,888,373
2017 | 3,019,169 |  | 3,019,169 |  | 4,003,485
2016 | 2,585,078 |  | 2,585,078 |  | 3,433,858
2015 and Prior | 5,280,627 |  | 5,280,627 |  | 2,821,172
2014 and Prior |  |  |  |  | 3,995,655
Total | $ 22,614,327 |  | $ 22,614,327 |  | $ 23,189,591
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | Less than 670 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 177,986 |  | $ 177,986 |  |
2019 | 361,387 |  | 361,387 |  | $ 283,040
2018 | 267,945 |  | 267,945 |  | 343,613
2017 | 228,293 |  | 228,293 |  | 285,747
2016 | 187,659 |  | 187,659 |  | 236,457
2015 and Prior | 414,785 |  | 414,785 |  | 203,145
2014 and Prior |  |  |  |  | 313,587
Total | $ 1,638,055 |  | $ 1,638,055 |  | $ 1,665,589
Private education loans at origination | 7.00% |  | 7.00% |  | 7.00%
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 411,825 |  | $ 411,825 |  |
2019 | 751,145 |  | 751,145 |  | $ 592,376
2018 | 537,957 |  | 537,957 |  | 714,779
2017 | 478,944 |  | 478,944 |  | 617,676
2016 | 410,372 |  | 410,372 |  | 529,575
2015 and Prior | 883,813 |  | 883,813 |  | 439,050
2014 and Prior |  |  |  |  | 676,569
Total | $ 3,474,056 |  | $ 3,474,056 |  | $ 3,570,025
Private education loans at origination | 15.00% |  | 15.00% |  | 16.00%
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 975,514 |  | $ 975,514 |  |
2019 | 1,661,005 |  | 1,661,005 |  | $ 1,319,563
2018 | 1,183,935 |  | 1,183,935 |  | 1,601,904
2017 | 1,004,662 |  | 1,004,662 |  | 1,325,387
2016 | 871,989 |  | 871,989 |  | 1,155,253
2015 and Prior | 1,767,363 |  | 1,767,363 |  | 944,135
2014 and Prior |  |  |  |  | 1,324,506
Total | $ 7,464,468 |  | $ 7,464,468 |  | $ 7,670,748
Private education loans at origination | 33.00% |  | 33.00% |  | 33.00%
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | Greater than or equal to 750 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 1,463,332 |  | $ 1,463,332 |  |
2019 | 2,322,163 |  | 2,322,163 |  | $ 1,852,069
2018 | 1,615,259 |  | 1,615,259 |  | 2,228,077
2017 | 1,307,270 |  | 1,307,270 |  | 1,774,675
2016 | 1,115,058 |  | 1,115,058 |  | 1,512,573
2015 and Prior | 2,214,666 |  | 2,214,666 |  | 1,234,842
2014 and Prior |  |  |  |  | 1,680,993
Total | $ 10,037,748 |  | $ 10,037,748 |  | $ 10,283,229
Private education loans at origination | 45.00% |  | 45.00% |  | 44.00%
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 3,028,657 |  | $ 3,028,657 |  |
2019 | 5,095,700 |  | 5,095,700 |  | $ 4,047,048
2018 | 3,605,096 |  | 3,605,096 |  | 4,888,373
2017 | 3,019,169 |  | 3,019,169 |  | 4,003,485
2016 | 2,585,078 |  | 2,585,078 |  | 3,433,858
2015 and Prior | 5,280,627 |  | 5,280,627 |  | 2,821,172
2014 and Prior |  |  |  |  | 3,995,655
Total | $ 22,614,327 |  | $ 22,614,327 |  | $ 23,189,591
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | Less than 670 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 217,218 |  | $ 217,218 |  |
2019 | 395,572 |  | 395,572 |  | $ 401,979
2018 | 344,242 |  | 344,242 |  | 515,901
2017 | 336,857 |  | 336,857 |  | 475,007
2016 | 332,360 |  | 332,360 |  | 449,568
2015 and Prior | 837,360 |  | 837,360 |  | 419,308
2014 and Prior |  |  |  |  | 717,674
Total | $ 2,463,609 |  | $ 2,463,609 |  | $ 2,979,437
Private education loans at origination | 11.00% |  | 11.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 397,492 |  | $ 397,492 |  |
2019 | 642,016 |  | 642,016 |  | $ 582,256
2018 | 426,549 |  | 426,549 |  | 645,422
2017 | 338,010 |  | 338,010 |  | 497,497
2016 | 276,258 |  | 276,258 |  | 397,889
2015 and Prior | 578,132 |  | 578,132 |  | 308,607
2014 and Prior |  |  |  |  | 451,451
Total | $ 2,658,457 |  | $ 2,658,457 |  | $ 2,883,122
Private education loans at origination | 12.00% |  | 12.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 963,875 |  | $ 963,875 |  |
2019 | 1,598,763 |  | 1,598,763 |  | $ 1,284,867
2018 | 1,081,419 |  | 1,081,419 |  | 1,506,849
2017 | 883,872 |  | 883,872 |  | 1,199,564
2016 | 723,213 |  | 723,213 |  | 994,309
2015 and Prior | 1,413,526 |  | 1,413,526 |  | 772,205
2014 and Prior |  |  |  |  | 1,048,808
Total | $ 6,664,668 |  | $ 6,664,668 |  | $ 6,806,602
Private education loans at origination | 29.00% |  | 29.00% |  | 29.00%
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | Greater than or equal to 750 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 1,450,072 |  | $ 1,450,072 |  |
2019 | 2,459,349 |  | 2,459,349 |  | $ 1,777,946
2018 | 1,752,886 |  | 1,752,886 |  | 2,220,201
2017 | 1,460,430 |  | 1,460,430 |  | 1,831,417
2016 | 1,253,247 |  | 1,253,247 |  | 1,592,092
2015 and Prior | 2,451,609 |  | 2,451,609 |  | 1,321,052
2014 and Prior |  |  |  |  | 1,777,722
Total | $ 10,827,593 |  | $ 10,827,593 |  | $ 10,520,430
Private education loans at origination | 48.00% |  | 48.00% |  | 45.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 3,028,657 |  | $ 3,028,657 |  |
2019 | 5,095,700 |  | 5,095,700 |  | $ 4,047,048
2018 | 3,605,096 |  | 3,605,096 |  | 4,888,373
2017 | 3,019,169 |  | 3,019,169 |  | 4,003,485
2016 | 2,585,078 |  | 2,585,078 |  | 3,433,858
2015 and Prior | 5,280,627 |  | 5,280,627 |  | 2,821,172
2014 and Prior |  |  |  |  | 3,995,655
Total | $ 22,614,327 |  | $ 22,614,327 |  | $ 23,189,591
Seasoning based on monthly scheduled payments due from 1-12 payments | 26.00% |  | 26.00% |  | 23.00%
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 15.00% |  | 15.00% |  | 17.00%
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 11.00% |  | 11.00% |  | 12.00%
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 8.00% |  | 8.00% |  | 10.00%
Seasoning based on monthly scheduled payments due from more than 48 payments | 13.00% |  | 13.00% |  | 13.00%
Seasoning based on monthly scheduled payments due from not yet in repayment | 27.00% |  | 27.00% |  | 25.00%
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | $ 1,772,006 |  | $ 1,772,006 |  |
2019 | 2,163,584 |  | 2,163,584 |  | $ 2,376,404
2018 | 479,231 |  | 479,231 |  | 719,158
2017 | 482,319 |  | 482,319 |  | 705,181
2016 | 409,027 |  | 409,027 |  | 617,174
2015 and Prior | 603,765 |  | 603,765 |  | 462,946
2014 and Prior |  |  |  |  | 470,839
Total | 5,909,932 |  | 5,909,932 |  | 5,351,702
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 21 |  | 21 |  |
2019 | 968,742 |  | 968,742 |  | 0
2018 | 1,437,060 |  | 1,437,060 |  | 2,588,702
2017 | 261,628 |  | 261,628 |  | 424,953
2016 | 247,112 |  | 247,112 |  | 305,078
2015 and Prior | 502,320 |  | 502,320 |  | 285,513
2014 and Prior |  |  |  |  | 399,905
Total | 3,416,883 |  | 3,416,883 |  | 4,004,151
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 0 |  | 0 |  |
2019 | 0 |  | 0 |  | 0
2018 | 631,736 |  | 631,736 |  | 0
2017 | 1,150,053 |  | 1,150,053 |  | 1,862,587
2016 | 225,369 |  | 225,369 |  | 418,048
2015 and Prior | 502,923 |  | 502,923 |  | 227,391
2014 and Prior |  |  |  |  | 394,339
Total | 2,510,081 |  | 2,510,081 |  | 2,902,365
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 0 |  | 0 |  |
2019 | 0 |  | 0 |  | 0
2018 | 0 |  | 0 |  | 0
2017 | 403,088 |  | 403,088 |  | 0
2016 | 941,217 |  | 941,217 |  | 1,457,760
2015 and Prior | 482,116 |  | 482,116 |  | 413,508
2014 and Prior |  |  |  |  | 342,676
Total | 1,826,421 |  | 1,826,421 |  | 2,213,944
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 0 |  | 0 |  |
2019 | 0 |  | 0 |  | 0
2018 | 0 |  | 0 |  | 0
2017 | 0 |  | 0 |  | 0
2016 | 304,878 |  | 304,878 |  | 0
2015 and Prior | 2,590,571 |  | 2,590,571 |  | 1,056,229
2014 and Prior |  |  |  |  | 1,973,795
Total | 2,895,449 |  | 2,895,449 |  | 3,030,024
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 1,256,630 |  | 1,256,630 |  |
2019 | 1,963,374 |  | 1,963,374 |  | 1,670,644
2018 | 1,057,069 |  | 1,057,069 |  | 1,580,513
2017 | 722,081 |  | 722,081 |  | 1,010,764
2016 | 457,475 |  | 457,475 |  | 635,798
2015 and Prior | 598,932 |  | 598,932 |  | 375,585
2014 and Prior |  |  |  |  | 414,101
Total | 6,055,561 |  | 6,055,561 |  | 5,687,405
Consumer Portfolio Segment | Student Loan | Loans In Forbearance |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
2020 | 8,343 |  | 8,343 |  |
2019 | 64,167 |  | 64,167 |  | 21,009
2018 | 110,935 |  | 110,935 |  | 108,509
2017 | 127,915 |  | 127,915 |  | 142,341
2016 | 126,218 |  | 126,218 |  | 146,114
2015 and Prior | 267,584 |  | 267,584 |  | 127,799
2014 and Prior |  |  |  |  | 168,744
Total | $ 705,162 |  | $ 705,162 |  | $ 714,516

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- Definition Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss + References No definition available. + Details
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- Definition Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year + References No definition available. + Details
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Balance Type: | credit
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- Definition Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year + References No definition available. + Details
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