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v3.21.1

Allowance for Credit Losses - Allowance and Recorded Investments in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended |
--- | --- | --- | ---
Mar. 31, 2021 | Mar. 31, 2020 | Dec. 31, 2020 | Dec. 31, 2019
Allowance for Credit Losses |  |  |  |
Beginning balance | $ 1,361,723 | $ 441,912 | $ 441,912 |
Transfer from unfunded commitment liability |  | 142,075 |  |
Provision for current period | (254,999) | 169,508 |  |
Loan sale reduction to provision | (8,858) | (161,793) |  |
Loan transfer from held-for-sale | 1,887 |  |  |
Total provision | 261,970 | (7,715) |  |
Net charge-offs: |  |  |  |
Charge-offs | (55,316) | (70,949) |  |
Recoveries | 7,704 | 9,518 |  |
Net charge-offs | (47,612) | (61,431) |  |
Loan sales | 0 |  |  |
Ending Balance | 1,179,021 | 1,673,324 | 1,361,723 |
Allowance |  |  |  |
Ending balance: individually evaluated for impairment | 95,536 | 150,822 |  |
Ending balance: collectively evaluated for impairment | 1,083,485 | 1,522,502 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,225,604 | 1,518,763 |  |
Ending balance: collectively evaluated for impairment | 20,255,209 | 21,781,876 |  |
Provisions for loan losses | (261,913) | (17,931) |  |
Provisions for unfunded loan commitments | 36,203 | 53,543 |  |
Total Private Education Loan provisions for credit losses | (225,710) | 35,612 |  |
Private Education Loan provision for credit losses, other impacts | (57) | 25,646 |  |
Less: provisions for credit losses | (225,767) | 61,258 |  |
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | 1,584,965 | 1,584,965 |
Transfer from unfunded commitment liability | 126,880 |  |  |
Net charge-offs: |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | $ 1,143,053
FFELP Loans |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance | 4,378 | 1,633 | 1,633 |
Transfer from unfunded commitment liability |  | 0 |  |
Provision for current period | 29 | 37 |  |
Loan sale reduction to provision | 0 | 0 |  |
Loan transfer from held-for-sale | 0 |  |  |
Total provision | (29) | (37) |  |
Net charge-offs: |  |  |  |
Charge-offs | (89) | (226) |  |
Recoveries | 0 | 0 |  |
Net charge-offs | (89) | (226) |  |
Loan sales | 0 |  |  |
Ending Balance | 4,318 | 4,296 | 4,378 |
Allowance |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | 4,318 | 4,296 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | $ 727,664 | $ 766,954 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 0.06% | 0.15% |  |
Allowance as a percentage of the ending total loan balance | 0.59% | 0.56% |  |
Allowance as a percentage of the ending loans in repayment | 0.80% | 0.74% |  |
Allowance coverage of net charge-offs (annualized) | 12.13 | 4.75 |  |
Ending total loans, gross | $ 727,664 | $ 766,954 |  |
Average loans in repayment | 554,510 | 600,534 |  |
Ending loans in repayment | 540,903 | 581,997 |  |
Private Education Loan provision for credit losses, other impacts | 29 | 37 |  |
FFELP Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | 4,485 | 4,485 |
Transfer from unfunded commitment liability | 0 |  |  |
Net charge-offs: |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 2,852
Private Education Loans |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance | 1,355,844 | 374,300 | 374,300 |
Transfer from unfunded commitment liability |  | 142,075 |  |
Provision for current period | (254,942) | 143,862 |  |
Loan sale reduction to provision | (8,858) | (161,793) |  |
Loan transfer from held-for-sale | 1,887 |  |  |
Total provision | 261,913 | 17,931 |  |
Net charge-offs: |  |  |  |
Charge-offs | (55,139) | (51,469) |  |
Recoveries | 7,703 | 7,976 |  |
Net charge-offs | (47,436) | (43,493) |  |
Loan sales | 0 |  |  |
Ending Balance | 1,173,375 | 1,515,781 | 1,355,844 |
Allowance |  |  |  |
Ending balance: individually evaluated for impairment | 95,536 | 150,822 |  |
Ending balance: collectively evaluated for impairment | 1,077,839 | 1,364,959 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,225,604 | 1,518,763 |  |
Ending balance: collectively evaluated for impairment | $ 19,516,236 | $ 20,107,984 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 1.29% | 1.05% |  |
Allowance as a percentage of the ending total loan balance | 5.66% | 7.01% |  |
Allowance as a percentage of the ending loans in repayment | 7.94% | 10.11% |  |
Allowance coverage of net charge-offs (annualized) | 6.18 | 8.71 |  |
Ending total loans, gross | $ 20,741,840 | $ 21,626,747 |  |
Average loans in repayment | 14,743,508 | 16,521,356 |  |
Ending loans in repayment | 14,777,939 | 14,988,345 |  |
Private Education Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | 1,435,130 | 1,435,130 |
Transfer from unfunded commitment liability | 126,880 |  |  |
Net charge-offs: |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 1,060,830
Personal Loans |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | 65,877 | 65,877 |
Transfer from unfunded commitment liability |  | 0 |  |
Provision for current period |  | 25,318 |  |
Loan sale reduction to provision |  | 0 |  |
Total provision |  | (25,318) |  |
Net charge-offs: |  |  |  |
Charge-offs |  | (19,247) |  |
Recoveries |  | 1,542 |  |
Net charge-offs |  | (17,705) |  |
Ending Balance |  | 152,673 |  |
Allowance |  |  |  |
Ending balance: individually evaluated for impairment |  | 0 |  |
Ending balance: collectively evaluated for impairment |  | 152,673 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment |  | 0 |  |
Ending balance: collectively evaluated for impairment |  | $ 899,704 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) |  | 7.27% |  |
Allowance as a percentage of the ending total loan balance |  | 16.97% |  |
Allowance as a percentage of the ending loans in repayment |  | 16.97% |  |
Allowance coverage of net charge-offs (annualized) |  | 2.16 |  |
Ending total loans, gross |  | $ 899,704 |  |
Average loans in repayment |  | 973,772 |  |
Ending loans in repayment |  | 899,704 |  |
Private Education Loan provision for credit losses, other impacts |  | 25,318 |  |
Personal Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | 145,060 | 145,060 |
Net charge-offs: |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 79,183
Credit Cards |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance | 1,501 | 102 | 102 |
Transfer from unfunded commitment liability |  | 0 |  |
Provision for current period | (86) | 291 |  |
Loan sale reduction to provision | 0 | 0 |  |
Loan transfer from held-for-sale | 0 |  |  |
Total provision | 86 | (291) |  |
Net charge-offs: |  |  |  |
Charge-offs | (88) | (7) |  |
Recoveries | 1 | 0 |  |
Net charge-offs | (87) | (7) |  |
Loan sales | 0 |  |  |
Ending Balance | 1,328 | 574 | 1,501 |
Allowance |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | 1,328 | 574 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | $ 11,309 | $ 7,234 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 2.92% | 0.52% |  |
Allowance as a percentage of the ending total loan balance | 11.74% | 7.93% |  |
Allowance as a percentage of the ending loans in repayment | 11.74% | 7.93% |  |
Allowance coverage of net charge-offs (annualized) | 3.82 | 20.50 |  |
Ending total loans, gross | $ 11,309 | $ 7,234 |  |
Average loans in repayment | 11,909 | 5,364 |  |
Ending loans in repayment | 11,309 | 7,234 |  |
Private Education Loan provision for credit losses, other impacts | (86) | 291 |  |
Credit Cards | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Credit Losses |  |  |  |
Beginning balance |  | $ 290 | $ 290 |
Transfer from unfunded commitment liability | $ 0 |  |  |
Net charge-offs: |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | $ 188

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