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v3.23.3

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, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022 | Dec. 31, 2022
% of Balance |  |  |  |  |
Current period gross charge-offs, total | $ 105,137 | $ 111,559 | $ 315,353 | $ 302,624 |
Current period recoveries, total | 9,693 | 11,402 | 33,385 | 30,415 |
Current period net charge-offs, total | 95,444 | $ 100,157 | 281,968 | $ 272,209 |
Consumer Portfolio Segment | Student Loan |  |  |  |  |
% of Balance |  |  |  |  |
Current period gross charge-offs, Year 1 |  |  | (614) |  | $ (2,224)
Current period gross charge-offs, Year 2 |  |  | (17,832) |  | (25,698)
Current period gross charge-offs, Year 3 |  |  | (52,861) |  | (48,271)
Current period gross charge-offs, Year 4 |  |  | (38,251) |  | (62,071)
Current period gross charge-offs, Year 5 |  |  | (39,710) |  | (57,505)
Current period gross charge-offs, After Year 5 |  |  | (165,232) |  | (231,647)
Current period gross charge-offs, total |  |  | 314,500 |  | 427,416
Current period recoveries, Year 1 |  |  | 76 |  | 124
Current period recoveries, Year 2 |  |  | 1,278 |  | 1,841
Current period recoveries, Year 3 |  |  | 4,802 |  | 4,170
Current period recoveries, Year 4 |  |  | 3,522 |  | 5,556
Current period recoveries, Year 5 |  |  | 3,923 |  | 5,407
Current period recoveries, After Year 5 |  |  | 19,784 |  | 24,639
Current period recoveries, total |  |  | 33,385 |  | 41,737
Current period net charge-offs, Year 1 |  |  | (538) |  | (2,100)
Current period net charge-offs, Year 2 |  |  | (16,554) |  | (23,857)
Current period recoveries, Year 3 |  |  | (48,059) |  | (44,101)
Current period recoveries, Year 4 |  |  | (34,729) |  | (56,515)
Current period recoveries, Year 5 |  |  | (35,787) |  | (52,098)
Current period recoveries, After Year 5 |  |  | (145,448) |  | (207,008)
Current period net charge-offs, total |  |  | 281,115 |  | 385,679
Total accrued interest by origination vintage, Year 1 | 94,292 |  | 94,292 |  | 142,915
Total accrued interest by origination vintage, Year 2 | 407,226 |  | 407,226 |  | 315,308
Total accrued interest by origination vintage, Year 3 | 328,076 |  | 328,076 |  | 207,858
Total accrued interest by origination vintage, Year 4 | 186,063 |  | 186,063 |  | 184,832
Total accrued interest by origination vintage, Year 5 | 150,655 |  | 150,655 |  | 116,211
Total accrued interest by origination vintage, After Year 5 | 262,913 |  | 262,913 |  | 210,438
Total accrued interest by origination vintage | 1,429,225 |  | 1,429,225 |  | 1,177,562
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | 3,730,485 |  | 3,730,485 |  | 4,276,533
Year 2 | 5,421,538 |  | 5,421,538 |  | 4,547,159
Year 3 | 3,363,703 |  | 3,363,703 |  | 2,584,622
Year 4 | 1,991,433 |  | 1,991,433 |  | 2,172,660
Year 5 | 1,749,067 |  | 1,749,067 |  | 1,615,842
After Year 5 | 5,424,641 |  | 5,424,641 |  | 5,106,872
Loan type | $ 21,680,867 |  | $ 21,680,867 |  | $ 20,303,688
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | With cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 3,262,857 |  | $ 3,262,857 |  | $ 3,656,111
Year 2 | 4,710,256 |  | 4,710,256 |  | 3,941,921
Year 3 | 2,894,829 |  | 2,894,829 |  | 2,208,033
Year 4 | 1,686,843 |  | 1,686,843 |  | 1,853,619
Year 5 | 1,480,270 |  | 1,480,270 |  | 1,402,828
After Year 5 | 4,860,436 |  | 4,860,436 |  | 4,626,491
Loan type | $ 18,895,491 |  | $ 18,895,491 |  | $ 17,689,003
% of Balance |  |  |  |  |
Private education loans | 87.00% |  | 87.00% |  | 87.00%
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 467,628 |  | $ 467,628 |  | $ 620,422
Year 2 | 711,282 |  | 711,282 |  | 605,238
Year 3 | 468,874 |  | 468,874 |  | 376,589
Year 4 | 304,590 |  | 304,590 |  | 319,041
Year 5 | 268,797 |  | 268,797 |  | 213,014
After Year 5 | 564,205 |  | 564,205 |  | 480,381
Loan type | $ 2,785,376 |  | $ 2,785,376 |  | $ 2,614,685
% of Balance |  |  |  |  |
Private education loans | 13.00% |  | 13.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 3,730,485 |  | $ 3,730,485 |  | $ 4,276,533
Year 2 | 5,421,538 |  | 5,421,538 |  | 4,547,159
Year 3 | 3,363,703 |  | 3,363,703 |  | 2,584,622
Year 4 | 1,991,433 |  | 1,991,433 |  | 2,172,660
Year 5 | 1,749,067 |  | 1,749,067 |  | 1,615,842
After Year 5 | 5,424,641 |  | 5,424,641 |  | 5,106,872
Loan type | $ 21,680,867 |  | $ 21,680,867 |  | $ 20,303,688
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 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 | $ 278,407 |  | $ 278,407 |  | $ 326,991
Year 2 | 418,966 |  | 418,966 |  | 307,646
Year 3 | 236,903 |  | 236,903 |  | 158,606
Year 4 | 127,660 |  | 127,660 |  | 177,098
Year 5 | 146,011 |  | 146,011 |  | 143,674
After Year 5 | 481,014 |  | 481,014 |  | 439,587
Loan type | $ 1,688,961 |  | $ 1,688,961 |  | $ 1,553,602
% of Balance |  |  |  |  |
Private education loans at origination | 8.00% |  | 8.00% |  | 8.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 530,255 |  | $ 530,255 |  | $ 593,216
Year 2 | 752,093 |  | 752,093 |  | 611,649
Year 3 | 455,895 |  | 455,895 |  | 356,541
Year 4 | 278,207 |  | 278,207 |  | 339,685
Year 5 | 275,056 |  | 275,056 |  | 259,142
After Year 5 | 929,262 |  | 929,262 |  | 878,426
Loan type | $ 3,220,768 |  | $ 3,220,768 |  | $ 3,038,659
% of Balance |  |  |  |  |
Private education loans at origination | 15.00% |  | 15.00% |  | 15.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,150,877 |  | $ 1,150,877 |  | $ 1,336,765
Year 2 | 1,690,871 |  | 1,690,871 |  | 1,440,510
Year 3 | 1,067,755 |  | 1,067,755 |  | 834,819
Year 4 | 645,549 |  | 645,549 |  | 719,777
Year 5 | 584,322 |  | 584,322 |  | 537,680
After Year 5 | 1,830,206 |  | 1,830,206 |  | 1,722,068
Loan type | $ 6,969,580 |  | $ 6,969,580 |  | $ 6,591,619
% of Balance |  |  |  |  |
Private education loans at origination | 32.00% |  | 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 | $ 1,770,946 |  | $ 1,770,946 |  | $ 2,019,561
Year 2 | 2,559,608 |  | 2,559,608 |  | 2,187,354
Year 3 | 1,603,150 |  | 1,603,150 |  | 1,234,656
Year 4 | 940,017 |  | 940,017 |  | 936,100
Year 5 | 743,678 |  | 743,678 |  | 675,346
After Year 5 | 2,184,159 |  | 2,184,159 |  | 2,066,791
Loan type | $ 9,801,558 |  | $ 9,801,558 |  | $ 9,119,808
% of Balance |  |  |  |  |
Private education loans at origination | 45.00% |  | 45.00% |  | 45.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 3,730,485 |  | $ 3,730,485 |  | $ 4,276,533
Year 2 | 5,421,538 |  | 5,421,538 |  | 4,547,159
Year 3 | 3,363,703 |  | 3,363,703 |  | 2,584,622
Year 4 | 1,991,433 |  | 1,991,433 |  | 2,172,660
Year 5 | 1,749,067 |  | 1,749,067 |  | 1,615,842
After Year 5 | 5,424,641 |  | 5,424,641 |  | 5,106,872
Loan type | $ 21,680,867 |  | $ 21,680,867 |  | $ 20,303,688
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Less than 670 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 353,491 |  | $ 353,491 |  | $ 443,868
Year 2 | 605,817 |  | 605,817 |  | 461,589
Year 3 | 387,375 |  | 387,375 |  | 242,310
Year 4 | 218,261 |  | 218,261 |  | 237,105
Year 5 | 214,908 |  | 214,908 |  | 204,894
After Year 5 | 807,495 |  | 807,495 |  | 773,324
Loan type | $ 2,587,347 |  | $ 2,587,347 |  | $ 2,363,090
% of Balance |  |  |  |  |
Private education loans at origination | 12.00% |  | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 528,071 |  | $ 528,071 |  | $ 594,118
Year 2 | 733,990 |  | 733,990 |  | 579,784
Year 3 | 422,792 |  | 422,792 |  | 284,244
Year 4 | 211,964 |  | 211,964 |  | 240,999
Year 5 | 187,283 |  | 187,283 |  | 173,754
After Year 5 | 607,515 |  | 607,515 |  | 564,344
Loan type | $ 2,691,615 |  | $ 2,691,615 |  | $ 2,437,243
% of Balance |  |  |  |  |
Private education loans at origination | 12.00% |  | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,144,110 |  | $ 1,144,110 |  | $ 1,322,558
Year 2 | 1,602,766 |  | 1,602,766 |  | 1,378,910
Year 3 | 980,859 |  | 980,859 |  | 748,368
Year 4 | 553,576 |  | 553,576 |  | 628,060
Year 5 | 486,058 |  | 486,058 |  | 449,701
After Year 5 | 1,469,715 |  | 1,469,715 |  | 1,388,090
Loan type | $ 6,237,084 |  | $ 6,237,084 |  | $ 5,915,687
% of Balance |  |  |  |  |
Private education loans at origination | 29.00% |  | 29.00% |  | 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 | $ 1,704,813 |  | $ 1,704,813 |  | $ 1,915,989
Year 2 | 2,478,965 |  | 2,478,965 |  | 2,126,876
Year 3 | 1,572,677 |  | 1,572,677 |  | 1,309,700
Year 4 | 1,007,632 |  | 1,007,632 |  | 1,066,496
Year 5 | 860,818 |  | 860,818 |  | 787,493
After Year 5 | 2,539,916 |  | 2,539,916 |  | 2,381,114
Loan type | $ 10,164,821 |  | $ 10,164,821 |  | $ 9,587,668
% of Balance |  |  |  |  |
Private education loans at origination | 47.00% |  | 47.00% |  | 47.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 3,730,485 |  | $ 3,730,485 |  | $ 4,276,533
Year 2 | 5,421,538 |  | 5,421,538 |  | 4,547,159
Year 3 | 3,363,703 |  | 3,363,703 |  | 2,584,622
Year 4 | 1,991,433 |  | 1,991,433 |  | 2,172,660
Year 5 | 1,749,067 |  | 1,749,067 |  | 1,615,842
After Year 5 | 5,424,641 |  | 5,424,641 |  | 5,106,872
Loan type | $ 21,680,867 |  | $ 21,680,867 |  | $ 20,303,688
% of Balance |  |  |  |  |
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] |  |  |  |  |
Year 1 | $ 2,016,589 |  | $ 2,016,589 |  | $ 2,448,884
Year 2 | 2,187,876 |  | 2,187,876 |  | 636,073
Year 3 | 414,530 |  | 414,530 |  | 384,334
Year 4 | 232,959 |  | 232,959 |  | 330,316
Year 5 | 201,057 |  | 201,057 |  | 235,878
After Year 5 | 379,107 |  | 379,107 |  | 424,636
Loan type | $ 5,432,118 |  | $ 5,432,118 |  | $ 4,460,121
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 25.00% |  | 25.00% |  | 22.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 1,114,686 |  | 1,114,686 |  | 2,477,764
Year 3 | 1,380,064 |  | 1,380,064 |  | 255,510
Year 4 | 183,885 |  | 183,885 |  | 195,753
Year 5 | 186,471 |  | 186,471 |  | 166,045
After Year 5 | 459,239 |  | 459,239 |  | 455,782
Loan type | $ 3,324,345 |  | $ 3,324,345 |  | $ 3,550,854
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 15.00% |  | 15.00% |  | 18.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 643,381 |  | 643,381 |  | 1,366,398
Year 4 | 753,256 |  | 753,256 |  | 257,534
Year 5 | 120,744 |  | 120,744 |  | 126,223
After Year 5 | 487,209 |  | 487,209 |  | 489,157
Loan type | $ 2,004,590 |  | $ 2,004,590 |  | $ 2,239,312
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 9.00% |  | 9.00% |  | 11.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 0 |  | 0 |  | 127
Year 4 | 410,918 |  | 410,918 |  | 1,008,418
Year 5 | 696,040 |  | 696,040 |  | 224,805
After Year 5 | 471,110 |  | 471,110 |  | 451,102
Loan type | $ 1,578,068 |  | $ 1,578,068 |  | $ 1,684,452
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 7.00% |  | 7.00% |  | 8.00%
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 0 |  | 0 |  | 0
Year 4 | 40 |  | 40 |  | 0
Year 5 | 263,792 |  | 263,792 |  | 643,611
After Year 5 | 3,116,035 |  | 3,116,035 |  | 2,830,285
Loan type | $ 3,379,867 |  | $ 3,379,867 |  | $ 3,473,896
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 16.00% |  | 16.00% |  | 17.00%
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,713,896 |  | $ 1,713,896 |  | $ 1,827,649
Year 2 | 2,118,976 |  | 2,118,976 |  | 1,433,322
Year 3 | 925,728 |  | 925,728 |  | 578,253
Year 4 | 410,375 |  | 410,375 |  | 380,639
Year 5 | 280,963 |  | 280,963 |  | 219,280
After Year 5 | 511,941 |  | 511,941 |  | 455,910
Loan type | $ 5,961,879 |  | $ 5,961,879 |  | $ 4,895,053
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 28.00% |  | 28.00% |  | 24.00%

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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year + References No definition available. + Details
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