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v3.22.4

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
% of Balance |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | $ 431,244 | $ 230,268 | $ 245,043
Recoveries | 41,742 | 29,506 | 29,007
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery) | 389,502 | 200,762 | 216,036
Consumer Portfolio Segment | Student Loan |  |  |
% of Balance |  |  |
Current period gross charge-offs, Year 1 | (2,224) | (1,183) |
Current period gross charge-offs, Year 2 | (25,698) | (8,604) |
Current period gross charge-offs, Year 3 | (48,271) | (23,866) |
Current period gross charge-offs, Year 4 | (62,071) | (32,741) |
Current period gross charge-offs, Year 5 | (57,505) | (37,186) |
Current period gross charge-offs, Year 6 | (231,647) | (126,011) |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | 427,416 | 229,591 |
Current period recoveries, Year 1 | 124 | 35 |
Current period recoveries, Year 2 | 1,841 | 540 |
Current period recoveries, Year 3 | 4,170 | 2,092 |
Current period recoveries, Year 4 | 5,556 | 3,693 |
Current period recoveries, Year 5 | 5,407 | 4,450 |
Current period recoveries, Year 6 | 24,639 | 18,684 |
Recoveries | 41,737 | 29,494 |
Current period net charge-offs, Year 1 | (2,100) | (1,148) |
Current period net charge-offs, Year 2 | (23,857) | (8,064) |
Current period net charge-offs, Year 3 | (44,101) | (21,774) |
Current period net charge-offs, Year 4 | (56,515) | (29,048) |
Current period net charge-offs, Year 5 | (52,098) | (32,736) |
Current period net charge-offs, Year 6 | (207,008) | (107,327) |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery) | 385,679 | 200,097 |
Total accrued interest by origination vintage, Year 1 | 142,915 | 109,233 |
Total accrued interest by origination vintage, Year 2 | 315,308 | 247,418 |
Total accrued interest by origination vintage, Year 3 | 207,858 | 270,242 |
Total accrued interest by origination vintage, Year 4 | 184,832 | 198,816 |
Total accrued interest by origination vintage, Year 5 | 116,211 | 131,685 |
Total accrued interest by origination vintage, Year 6 | 210,438 | 229,729 |
Total accrued interest by origination vintage | 1,177,562 | 1,187,123 |
Consumer Portfolio Segment | Student Loan | Loan delinquent, current |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 2,411,441 | 2,234,876 | 2,043,033
Year 2 | 2,991,839 | 2,786,646 | 2,573,228
Year 3 | 1,907,574 | 2,321,728 | 2,045,012
Year 4 | 1,683,986 | 1,772,651 | 1,850,539
Year 5 | 1,301,809 | 1,570,815 | 1,685,572
After Year 5 | 4,262,698 | 4,319,057 | 3,701,564
Loan type | 14,559,347 | 15,005,773 | 13,898,948
Consumer Portfolio Segment | Student Loan | Loan delinquent 30-59 days |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 14,164 | 15,148 | 6,400
Year 2 | 30,740 | 29,146 | 16,983
Year 3 | 30,877 | 46,616 | 26,934
Year 4 | 35,213 | 43,197 | 30,771
Year 5 | 31,366 | 41,695 | 33,040
After Year 5 | 144,948 | 132,757 | 91,400
Loan type | 287,308 | 308,559 | 205,528
Consumer Portfolio Segment | Student Loan | Loan delinquent 60-89 days |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 5,523 | 3,194 | 2,628
Year 2 | 15,056 | 7,441 | 9,143
Year 3 | 14,433 | 14,044 | 15,026
Year 4 | 18,201 | 14,310 | 18,121
Year 5 | 16,697 | 16,425 | 19,064
After Year 5 | 77,595 | 61,533 | 55,661
Loan type | 147,505 | 116,947 | 119,643
Consumer Portfolio Segment | Student Loan | Loan delinquent 90 days or greater past due |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 1,710 | 642 | 460
Year 2 | 11,842 | 3,683 | 4,642
Year 3 | 14,872 | 8,453 | 9,396
Year 4 | 16,819 | 10,632 | 12,939
Year 5 | 16,107 | 11,935 | 14,710
After Year 5 | 74,040 | 44,588 | 38,555
Loan type | 135,390 | 79,933 | $ 80,702
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 4,276,533 | 3,822,361 |
Year 2 | 4,547,159 | 4,166,283 |
Year 3 | 2,584,622 | 3,216,525 |
Year 4 | 2,172,660 | 2,320,060 |
Year 5 | 1,615,842 | 1,978,233 |
After Year 5 | 5,106,872 | 5,213,401 |
Loan type | $ 20,303,688 | $ 20,716,863 |
% of Balance |  |  |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | With cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 3,656,111 | $ 3,263,892 |
Year 2 | 3,941,921 | 3,604,553 |
Year 3 | 2,208,033 | 2,778,262 |
Year 4 | 1,853,619 | 2,025,463 |
Year 5 | 1,402,828 | 1,765,719 |
After Year 5 | 4,626,491 | 4,753,775 |
Loan type | $ 17,689,003 | $ 18,191,664 |
% of Balance |  |  |
Private education loans | 87.00% | 88.00% |
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 620,422 | $ 558,469 |
Year 2 | 605,238 | 561,730 |
Year 3 | 376,589 | 438,263 |
Year 4 | 319,041 | 294,597 |
Year 5 | 213,014 | 212,514 |
After Year 5 | 480,381 | 459,626 |
Loan type | $ 2,614,685 | $ 2,525,199 |
% of Balance |  |  |
Private education loans | 13.00% | 12.00% |
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 4,276,533 | $ 3,822,361 |
Year 2 | 4,547,159 | 4,166,283 |
Year 3 | 2,584,622 | 3,216,525 |
Year 4 | 2,172,660 | 2,320,060 |
Year 5 | 1,615,842 | 1,978,233 |
After Year 5 | 5,106,872 | 5,213,401 |
Loan type | $ 20,303,688 | $ 20,716,863 |
% of Balance |  |  |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | FICO at Origination | Less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 326,991 | $ 248,368 |
Year 2 | 307,646 | 238,005 |
Year 3 | 158,606 | 251,157 |
Year 4 | 177,098 | 193,123 |
Year 5 | 143,674 | 166,048 |
After Year 5 | 439,587 | 428,416 |
Loan type | $ 1,553,602 | $ 1,525,117 |
% of Balance |  |  |
Private Education Loans at origination | 8.00% | 7.00% |
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 593,216 | $ 508,264 |
Year 2 | 611,649 | 564,497 |
Year 3 | 356,541 | 493,237 |
Year 4 | 339,685 | 363,313 |
Year 5 | 259,142 | 329,807 |
After Year 5 | 878,426 | 884,981 |
Loan type | $ 3,038,659 | $ 3,144,099 |
% of Balance |  |  |
Private Education Loans at origination | 15.00% | 15.00% |
Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,336,765 | $ 1,210,833 |
Year 2 | 1,440,510 | 1,348,269 |
Year 3 | 834,819 | 1,057,001 |
Year 4 | 719,777 | 770,452 |
Year 5 | 537,680 | 660,270 |
After Year 5 | 1,722,068 | 1,753,709 |
Loan type | $ 6,591,619 | $ 6,800,534 |
% of Balance |  |  |
Private Education Loans at origination | 32.00% | 33.00% |
Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 2,019,561 | $ 1,854,896 |
Year 2 | 2,187,354 | 2,015,512 |
Year 3 | 1,234,656 | 1,415,130 |
Year 4 | 936,100 | 993,172 |
Year 5 | 675,346 | 822,108 |
After Year 5 | 2,066,791 | 2,146,295 |
Loan type | $ 9,119,808 | $ 9,247,113 |
% of Balance |  |  |
Private Education Loans at origination | 45.00% | 45.00% |
Consumer Portfolio Segment | Student Loan | FICO Refreshed |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 4,276,533 | $ 3,822,361 |
Year 2 | 4,547,159 | 4,166,283 |
Year 3 | 2,584,622 | 3,216,525 |
Year 4 | 2,172,660 | 2,320,060 |
Year 5 | 1,615,842 | 1,978,233 |
After Year 5 | 5,106,872 | 5,213,401 |
Loan type | $ 20,303,688 | $ 20,716,863 |
% of Balance |  |  |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 443,868 | $ 326,613 |
Year 2 | 461,589 | 279,578 |
Year 3 | 242,310 | 273,652 |
Year 4 | 237,105 | 235,684 |
Year 5 | 204,894 | 233,022 |
After Year 5 | 773,324 | 739,268 |
Loan type | $ 2,363,090 | $ 2,087,817 |
% of Balance |  |  |
Private Education Loans at origination | 12.00% | 10.00% |
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 594,118 | $ 506,021 |
Year 2 | 579,784 | 475,674 |
Year 3 | 284,244 | 365,133 |
Year 4 | 240,999 | 256,400 |
Year 5 | 173,754 | 209,536 |
After Year 5 | 564,344 | 570,605 |
Loan type | $ 2,437,243 | $ 2,383,369 |
% of Balance |  |  |
Private Education Loans at origination | 12.00% | 12.00% |
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,322,558 | $ 1,209,493 |
Year 2 | 1,378,910 | 1,285,015 |
Year 3 | 748,368 | 978,763 |
Year 4 | 628,060 | 682,024 |
Year 5 | 449,701 | 568,766 |
After Year 5 | 1,388,090 | 1,448,692 |
Loan type | $ 5,915,687 | $ 6,172,753 |
% of Balance |  |  |
Private Education Loans at origination | 29.00% | 30.00% |
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,915,989 | $ 1,780,234 |
Year 2 | 2,126,876 | 2,126,016 |
Year 3 | 1,309,700 | 1,598,977 |
Year 4 | 1,066,496 | 1,145,952 |
Year 5 | 787,493 | 966,909 |
After Year 5 | 2,381,114 | 2,454,836 |
Loan type | $ 9,587,668 | $ 10,072,924 |
% of Balance |  |  |
Private Education Loans at origination | 47.00% | 48.00% |
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 4,276,533 | $ 3,822,361 |
Year 2 | 4,547,159 | 4,166,283 |
Year 3 | 2,584,622 | 3,216,525 |
Year 4 | 2,172,660 | 2,320,060 |
Year 5 | 1,615,842 | 1,978,233 |
After Year 5 | 5,106,872 | 5,213,401 |
Loan type | $ 20,303,688 | $ 20,716,863 |
% of Balance |  |  |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 2,448,884 | $ 2,265,811 |
Year 2 | 636,073 | 594,850 |
Year 3 | 384,334 | 515,328 |
Year 4 | 330,316 | 385,246 |
Year 5 | 235,878 | 340,242 |
After Year 5 | 424,636 | 501,269 |
Loan type | $ 4,460,121 | $ 4,602,746 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 22.00% | 22.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 0 | $ 0 |
Year 2 | 2,477,764 | 2,287,737 |
Year 3 | 255,510 | 362,674 |
Year 4 | 195,753 | 203,674 |
Year 5 | 166,045 | 211,064 |
After Year 5 | 455,782 | 479,540 |
Loan type | $ 3,550,854 | $ 3,544,689 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 18.00% | 17.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 0 | $ 0 |
Year 2 | 0 | 173 |
Year 3 | 1,366,398 | 1,565,203 |
Year 4 | 257,534 | 312,049 |
Year 5 | 126,223 | 164,575 |
After Year 5 | 489,157 | 482,369 |
Loan type | $ 2,239,312 | $ 2,524,369 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 11.00% | 12.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 0 | $ 0 |
Year 2 | 0 | 0 |
Year 3 | 127 | 0 |
Year 4 | 1,008,418 | 983,434 |
Year 5 | 224,805 | 295,206 |
After Year 5 | 451,102 | 464,563 |
Loan type | $ 1,684,452 | $ 1,743,203 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 8.00% | 8.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 0 | $ 0 |
Year 2 | 0 | 0 |
Year 3 | 0 | 0 |
Year 4 | 0 | 0 |
Year 5 | 643,611 | 671,138 |
After Year 5 | 2,830,285 | 2,726,304 |
Loan type | $ 3,473,896 | $ 3,397,442 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 17.00% | 16.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,827,649 | $ 1,556,550 |
Year 2 | 1,433,322 | 1,283,523 |
Year 3 | 578,253 | 773,320 |
Year 4 | 380,639 | 435,657 |
Year 5 | 219,280 | 296,008 |
After Year 5 | 455,910 | 559,356 |
Loan type | $ 4,895,053 | $ 4,904,414 |
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 24.00% | 25.00% |

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