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v3.23.1

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2023 | Mar. 31, 2022 | Dec. 31, 2022
% of Balance |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | $ 96,082 | $ 84,066 |
Recoveries | 11,997 | 8,036 |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | 84,085 | $ 76,030 |
Consumer Portfolio Segment | Student Loan |  |  |
% of Balance |  |  |
Current period gross charge-offs, Year 1 | 0 |  | $ (2,224)
Current period gross charge-offs, Year 2 | (2,262) |  | (25,698)
Current period gross charge-offs, Year 3 | (12,072) |  | (48,271)
Current period gross charge-offs, Year 4 | (10,615) |  | (62,071)
Current period gross charge-offs, Year 5 | (11,773) |  | (57,505)
Current period gross charge-offs, After Year 5 | (58,363) |  | (231,647)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | 95,085 |  | 427,416
Current period recoveries, Year 1 | 0 |  | 124
Current period recoveries, Year 2 | 207 |  | 1,841
Current period recoveries, Year 3 | 1,428 |  | 4,170
Current period recoveries, Year 4 | 1,167 |  | 5,556
Current period recoveries, Year 5 | 1,460 |  | 5,407
Current period recoveries, After Year 5 | 7,723 |  | 24,639
Recoveries | 11,985 |  | 41,737
Current period net charge-offs, Year 1 | 0 |  | (2,100)
Current period net charge-offs, Year 2 | (2,055) |  | (23,857)
Current period recoveries, Year 3 | (10,644) |  | (44,101)
Current period recoveries, Year 4 | (9,448) |  | (56,515)
Current period recoveries, Year 5 | (10,313) |  | (52,098)
Current period recoveries, After Year 5 | (50,640) |  | (207,008)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff | 83,100 |  | 385,679
Total accrued interest by origination vintage, Year 1 | 13,564 |  | 142,915
Total accrued interest by origination vintage, Year 2 | 241,786 |  | 315,308
Total accrued interest by origination vintage, Year 3 | 351,527 |  | 207,858
Total accrued interest by origination vintage, Year 4 | 209,889 |  | 184,832
Total accrued interest by origination vintage, Year 5 | 177,587 |  | 116,211
Total accrued interest by origination vintage, After Year 5 | 310,373 |  | 210,438
Total accrued interest by origination vintage | 1,304,726 |  | 1,177,562
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 852,405 |  | 4,276,533
Year 2 | 5,688,118 |  | 4,547,159
Year 3 | 4,444,654 |  | 2,584,622
Year 4 | 2,491,251 |  | 2,172,660
Year 5 | 2,087,454 |  | 1,615,842
After Year 5 | 6,334,121 |  | 5,106,872
Loan type | $ 21,898,003 |  | $ 20,303,688
% 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 | $ 728,950 |  | $ 3,656,111
Year 2 | 4,951,808 |  | 3,941,921
Year 3 | 3,858,219 |  | 2,208,033
Year 4 | 2,130,947 |  | 1,853,619
Year 5 | 1,782,069 |  | 1,402,828
After Year 5 | 5,681,899 |  | 4,626,491
Loan type | $ 19,133,892 |  | $ 17,689,003
% of Balance |  |  |
Private education loans | 87.00% |  | 87.00%
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 123,455 |  | $ 620,422
Year 2 | 736,310 |  | 605,238
Year 3 | 586,435 |  | 376,589
Year 4 | 360,304 |  | 319,041
Year 5 | 305,385 |  | 213,014
After Year 5 | 652,222 |  | 480,381
Loan type | $ 2,764,111 |  | $ 2,614,685
% of Balance |  |  |
Private education loans | 13.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 852,405 |  | $ 4,276,533
Year 2 | 5,688,118 |  | 4,547,159
Year 3 | 4,444,654 |  | 2,584,622
Year 4 | 2,491,251 |  | 2,172,660
Year 5 | 2,087,454 |  | 1,615,842
After Year 5 | 6,334,121 |  | 5,106,872
Loan type | $ 21,898,003 |  | $ 20,303,688
% 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 | $ 72,432 |  | $ 326,991
Year 2 | 438,029 |  | 307,646
Year 3 | 304,216 |  | 158,606
Year 4 | 154,665 |  | 177,098
Year 5 | 171,983 |  | 143,674
After Year 5 | 554,184 |  | 439,587
Loan type | $ 1,695,509 |  | $ 1,553,602
% of Balance |  |  |
Private education loans at origination | 8.00% |  | 8.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 125,846 |  | $ 593,216
Year 2 | 785,900 |  | 611,649
Year 3 | 602,706 |  | 356,541
Year 4 | 346,297 |  | 339,685
Year 5 | 327,433 |  | 259,142
After Year 5 | 1,077,557 |  | 878,426
Loan type | $ 3,265,739 |  | $ 3,038,659
% 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 | $ 270,689 |  | $ 1,336,765
Year 2 | 1,771,760 |  | 1,440,510
Year 3 | 1,410,157 |  | 834,819
Year 4 | 806,546 |  | 719,777
Year 5 | 692,615 |  | 537,680
After Year 5 | 2,132,757 |  | 1,722,068
Loan type | $ 7,084,524 |  | $ 6,591,619
% of Balance |  |  |
Private education loans at origination | 32.00% |  | 32.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 383,438 |  | $ 2,019,561
Year 2 | 2,692,429 |  | 2,187,354
Year 3 | 2,127,575 |  | 1,234,656
Year 4 | 1,183,743 |  | 936,100
Year 5 | 895,423 |  | 675,346
After Year 5 | 2,569,623 |  | 2,066,791
Loan type | $ 9,852,231 |  | $ 9,119,808
% 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 | $ 852,405 |  | $ 4,276,533
Year 2 | 5,688,118 |  | 4,547,159
Year 3 | 4,444,654 |  | 2,584,622
Year 4 | 2,491,251 |  | 2,172,660
Year 5 | 2,087,454 |  | 1,615,842
After Year 5 | 6,334,121 |  | 5,106,872
Loan type | $ 21,898,003 |  | $ 20,303,688
% 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 | $ 88,378 |  | $ 443,868
Year 2 | 659,414 |  | 461,589
Year 3 | 498,641 |  | 242,310
Year 4 | 256,177 |  | 237,105
Year 5 | 249,547 |  | 204,894
After Year 5 | 969,883 |  | 773,324
Loan type | $ 2,722,040 |  | $ 2,363,090
% of Balance |  |  |
Private education loans at origination | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 128,620 |  | $ 594,118
Year 2 | 792,523 |  | 579,784
Year 3 | 571,683 |  | 284,244
Year 4 | 277,061 |  | 240,999
Year 5 | 235,805 |  | 173,754
After Year 5 | 706,213 |  | 564,344
Loan type | $ 2,711,905 |  | $ 2,437,243
% 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 | $ 267,500 |  | $ 1,322,558
Year 2 | 1,715,364 |  | 1,378,910
Year 3 | 1,324,781 |  | 748,368
Year 4 | 710,463 |  | 628,060
Year 5 | 591,355 |  | 449,701
After Year 5 | 1,717,774 |  | 1,388,090
Loan type | $ 6,327,237 |  | $ 5,915,687
% of Balance |  |  |
Private education loans at origination | 30.00% |  | 29.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 367,907 |  | $ 1,915,989
Year 2 | 2,520,817 |  | 2,126,876
Year 3 | 2,049,549 |  | 1,309,700
Year 4 | 1,247,550 |  | 1,066,496
Year 5 | 1,010,747 |  | 787,493
After Year 5 | 2,940,251 |  | 2,381,114
Loan type | $ 10,136,821 |  | $ 9,587,668
% of Balance |  |  |
Private education loans at origination | 46.00% |  | 47.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 852,405 |  | $ 4,276,533
Year 2 | 5,688,118 |  | 4,547,159
Year 3 | 4,444,654 |  | 2,584,622
Year 4 | 2,491,251 |  | 2,172,660
Year 5 | 2,087,454 |  | 1,615,842
After Year 5 | 6,334,121 |  | 5,106,872
Loan type | $ 21,898,003 |  | $ 20,303,688
% 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 | $ 443,563 |  | $ 2,448,884
Year 2 | 2,988,688 |  | 636,073
Year 3 | 522,305 |  | 384,334
Year 4 | 327,647 |  | 330,316
Year 5 | 271,788 |  | 235,878
After Year 5 | 507,620 |  | 424,636
Loan type | $ 5,061,611 |  | $ 4,460,121
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 23.00% |  | 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 | 324,873 |  | 2,477,764
Year 3 | 2,414,470 |  | 255,510
Year 4 | 201,750 |  | 195,753
Year 5 | 211,025 |  | 166,045
After Year 5 | 586,952 |  | 455,782
Loan type | $ 3,739,070 |  | $ 3,550,854
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 17.00% |  | 18.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 0 |  | $ 0
Year 2 | 0 |  | 0
Year 3 | 159,673 |  | 1,366,398
Year 4 | 1,299,993 |  | 257,534
Year 5 | 158,750 |  | 126,223
After Year 5 | 570,770 |  | 489,157
Loan type | $ 2,189,186 |  | $ 2,239,312
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 10.00% |  | 11.00%
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 | 0 |  | 127
Year 4 | 118,240 |  | 1,008,418
Year 5 | 1,023,883 |  | 224,805
After Year 5 | 568,996 |  | 451,102
Loan type | $ 1,711,119 |  | $ 1,684,452
% 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 | 62,249 |  | 643,611
After Year 5 | 3,448,382 |  | 2,830,285
Loan type | $ 3,510,631 |  | $ 3,473,896
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 16.00% |  | 17.00%
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 408,842 |  | $ 1,827,649
Year 2 | 2,374,557 |  | 1,433,322
Year 3 | 1,348,206 |  | 578,253
Year 4 | 543,621 |  | 380,639
Year 5 | 359,759 |  | 219,280
After Year 5 | 651,401 |  | 455,910
Loan type | $ 5,686,386 |  | $ 4,895,053
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 26.00% |  | 24.00%

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