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v3.24.2

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
% of Balance |  |  |  |  |
Current period gross charge-offs, total | $ (91,168) | $ (114,134) | $ (185,165) | $ (210,216) |
Current period recoveries, total | 11,377 | 11,695 | 22,691 | 23,692 |
Current period net charge-offs, total | (79,791) | $ (102,439) | (162,474) | $ (186,524) |
Consumer Portfolio Segment | Student Loan |  |  |  |  |
% of Balance |  |  |  |  |
Current period gross charge-offs, Year 1 |  |  | (163) |  | $ (1,812)
Current period gross charge-offs, Year 2 |  |  | (8,669) |  | (31,032)
Current period gross charge-offs, Year 3 |  |  | (32,873) |  | (70,331)
Current period gross charge-offs, Year 4 |  |  | (26,921) |  | (49,624)
Current period gross charge-offs, Year 5 |  |  | (18,886) |  | (50,585)
Current period gross charge-offs, After Year 5 |  |  | (97,404) |  | (216,711)
Current period gross charge-offs, total |  |  | (184,916) |  | (420,095)
Current period recoveries, Year 1 |  |  | 0 |  | 172
Current period recoveries, Year 2 |  |  | 700 |  | 2,342
Current period recoveries, Year 3 |  |  | 3,257 |  | 6,496
Current period recoveries, Year 4 |  |  | 2,941 |  | 4,923
Current period recoveries, Year 5 |  |  | 2,011 |  | 5,260
Current period recoveries, After Year 5 |  |  | 13,782 |  | 27,175
Current period recoveries, total |  |  | 22,691 |  | 46,368
Current period net charge-offs, Year 1 |  |  | (163) |  | (1,640)
Current period net charge-offs, Year 2 |  |  | (7,969) |  | (28,690)
Current period recoveries, Year 3 |  |  | (29,616) |  | (63,835)
Current period recoveries, Year 4 |  |  | (23,980) |  | (44,701)
Current period recoveries, Year 5 |  |  | (16,875) |  | (45,325)
Current period recoveries, After Year 5 |  |  | (83,622) |  | (189,536)
Current period net charge-offs, total |  |  | (162,225) |  | (373,727)
Total accrued interest by origination vintage, Year 1 | 43,576 |  | 43,576 |  | 177,959
Total accrued interest by origination vintage, Year 2 | 357,479 |  | 357,479 |  | 408,800
Total accrued interest by origination vintage, Year 3 | 329,161 |  | 329,161 |  | 269,978
Total accrued interest by origination vintage, Year 4 | 221,437 |  | 221,437 |  | 152,094
Total accrued interest by origination vintage, Year 5 | 128,373 |  | 128,373 |  | 116,618
Total accrued interest by origination vintage, After Year 5 | 287,456 |  | 287,456 |  | 229,116
Total accrued interest by origination vintage | 1,367,482 |  | 1,367,482 |  | 1,354,565
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | 1,480,348 |  | 1,480,348 |  | 4,490,119
Year 2 | 5,423,019 |  | 5,423,019 |  | 5,088,739
Year 3 | 3,297,769 |  | 3,297,769 |  | 2,937,422
Year 4 | 2,177,720 |  | 2,177,720 |  | 1,819,089
Year 5 | 1,472,239 |  | 1,472,239 |  | 1,632,300
After Year 5 | 5,768,436 |  | 5,768,436 |  | 5,058,175
Loan type | $ 19,619,531 |  | $ 19,619,531 |  | $ 21,025,844
% 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 | $ 1,263,118 |  | $ 1,263,118 |  | $ 3,903,676
Year 2 | 4,792,996 |  | 4,792,996 |  | 4,428,163
Year 3 | 2,830,170 |  | 2,830,170 |  | 2,516,380
Year 4 | 1,844,136 |  | 1,844,136 |  | 1,535,308
Year 5 | 1,229,753 |  | 1,229,753 |  | 1,378,699
After Year 5 | 5,084,224 |  | 5,084,224 |  | 4,529,768
Loan type | $ 17,044,397 |  | $ 17,044,397 |  | $ 18,291,994
% 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 | $ 217,230 |  | $ 217,230 |  | $ 586,443
Year 2 | 630,023 |  | 630,023 |  | 660,576
Year 3 | 467,599 |  | 467,599 |  | 421,042
Year 4 | 333,584 |  | 333,584 |  | 283,781
Year 5 | 242,486 |  | 242,486 |  | 253,601
After Year 5 | 684,212 |  | 684,212 |  | 528,407
Loan type | $ 2,575,134 |  | $ 2,575,134 |  | $ 2,733,850
% 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 | $ 1,480,348 |  | $ 1,480,348 |  | $ 4,490,119
Year 2 | 5,423,019 |  | 5,423,019 |  | 5,088,739
Year 3 | 3,297,769 |  | 3,297,769 |  | 2,937,422
Year 4 | 2,177,720 |  | 2,177,720 |  | 1,819,089
Year 5 | 1,472,239 |  | 1,472,239 |  | 1,632,300
After Year 5 | 5,768,436 |  | 5,768,436 |  | 5,058,175
Loan type | $ 19,619,531 |  | $ 19,619,531 |  | $ 21,025,844
% 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 | $ 90,651 |  | $ 90,651 |  | $ 328,199
Year 2 | 396,047 |  | 396,047 |  | 395,526
Year 3 | 265,203 |  | 265,203 |  | 208,696
Year 4 | 158,763 |  | 158,763 |  | 118,935
Year 5 | 99,015 |  | 99,015 |  | 137,494
After Year 5 | 515,518 |  | 515,518 |  | 451,613
Loan type | $ 1,525,197 |  | $ 1,525,197 |  | $ 1,640,463
% 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 | $ 197,505 |  | $ 197,505 |  | $ 635,642
Year 2 | 757,395 |  | 757,395 |  | 704,642
Year 3 | 457,439 |  | 457,439 |  | 400,744
Year 4 | 294,690 |  | 294,690 |  | 254,762
Year 5 | 209,037 |  | 209,037 |  | 257,840
After Year 5 | 979,895 |  | 979,895 |  | 868,777
Loan type | $ 2,895,961 |  | $ 2,895,961 |  | $ 3,122,407
% 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 | $ 463,674 |  | $ 463,674 |  | $ 1,383,779
Year 2 | 1,663,571 |  | 1,663,571 |  | 1,586,783
Year 3 | 1,030,601 |  | 1,030,601 |  | 934,033
Year 4 | 693,019 |  | 693,019 |  | 590,401
Year 5 | 480,075 |  | 480,075 |  | 545,333
After Year 5 | 1,948,940 |  | 1,948,940 |  | 1,709,299
Loan type | $ 6,279,880 |  | $ 6,279,880 |  | $ 6,749,628
% 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 | $ 728,518 |  | $ 728,518 |  | $ 2,142,499
Year 2 | 2,606,006 |  | 2,606,006 |  | 2,401,788
Year 3 | 1,544,526 |  | 1,544,526 |  | 1,393,949
Year 4 | 1,031,248 |  | 1,031,248 |  | 854,991
Year 5 | 684,112 |  | 684,112 |  | 691,633
After Year 5 | 2,324,083 |  | 2,324,083 |  | 2,028,486
Loan type | $ 8,918,493 |  | $ 8,918,493 |  | $ 9,513,346
% 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 | $ 1,480,348 |  | $ 1,480,348 |  | $ 4,490,119
Year 2 | 5,423,019 |  | 5,423,019 |  | 5,088,739
Year 3 | 3,297,769 |  | 3,297,769 |  | 2,937,422
Year 4 | 2,177,720 |  | 2,177,720 |  | 1,819,089
Year 5 | 1,472,239 |  | 1,472,239 |  | 1,632,300
After Year 5 | 5,768,436 |  | 5,768,436 |  | 5,058,175
Loan type | $ 19,619,531 |  | $ 19,619,531 |  | $ 21,025,844
% 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 | $ 139,717 |  | $ 139,717 |  | $ 495,451
Year 2 | 648,278 |  | 648,278 |  | 638,381
Year 3 | 471,147 |  | 471,147 |  | 379,738
Year 4 | 307,412 |  | 307,412 |  | 217,956
Year 5 | 195,258 |  | 195,258 |  | 214,665
After Year 5 | 883,767 |  | 883,767 |  | 791,875
Loan type | $ 2,645,579 |  | $ 2,645,579 |  | $ 2,738,066
% of Balance |  |  |  |  |
Private education loans at origination | 13.00% |  | 13.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 198,681 |  | $ 198,681 |  | $ 616,684
Year 2 | 719,888 |  | 719,888 |  | 672,777
Year 3 | 412,143 |  | 412,143 |  | 365,674
Year 4 | 262,386 |  | 262,386 |  | 193,462
Year 5 | 152,440 |  | 152,440 |  | 176,963
After Year 5 | 631,641 |  | 631,641 |  | 564,245
Loan type | $ 2,377,179 |  | $ 2,377,179 |  | $ 2,589,805
% 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 | $ 449,714 |  | $ 449,714 |  | $ 1,347,094
Year 2 | 1,559,804 |  | 1,559,804 |  | 1,477,310
Year 3 | 919,511 |  | 919,511 |  | 836,747
Year 4 | 590,474 |  | 590,474 |  | 498,414
Year 5 | 390,302 |  | 390,302 |  | 445,244
After Year 5 | 1,538,382 |  | 1,538,382 |  | 1,361,073
Loan type | $ 5,448,187 |  | $ 5,448,187 |  | $ 5,965,882
% of Balance |  |  |  |  |
Private education loans at origination | 28.00% |  | 28.00% |  | 28.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 692,236 |  | $ 692,236 |  | $ 2,030,890
Year 2 | 2,495,049 |  | 2,495,049 |  | 2,300,271
Year 3 | 1,494,968 |  | 1,494,968 |  | 1,355,263
Year 4 | 1,017,448 |  | 1,017,448 |  | 909,257
Year 5 | 734,239 |  | 734,239 |  | 795,428
After Year 5 | 2,714,646 |  | 2,714,646 |  | 2,340,982
Loan type | $ 9,148,586 |  | $ 9,148,586 |  | $ 9,732,091
% 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 | $ 1,480,348 |  | $ 1,480,348 |  | $ 4,490,119
Year 2 | 5,423,019 |  | 5,423,019 |  | 5,088,739
Year 3 | 3,297,769 |  | 3,297,769 |  | 2,937,422
Year 4 | 2,177,720 |  | 2,177,720 |  | 1,819,089
Year 5 | 1,472,239 |  | 1,472,239 |  | 1,632,300
After Year 5 | 5,768,436 |  | 5,768,436 |  | 5,058,175
Loan type | $ 19,619,531 |  | $ 19,619,531 |  | $ 21,025,844
% 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 | $ 772,152 |  | $ 772,152 |  | $ 2,514,079
Year 2 | 2,750,486 |  | 2,750,486 |  | 740,450
Year 3 | 448,319 |  | 448,319 |  | 440,293
Year 4 | 286,029 |  | 286,029 |  | 245,631
Year 5 | 173,738 |  | 173,738 |  | 208,941
After Year 5 | 411,072 |  | 411,072 |  | 332,608
Loan type | $ 4,841,796 |  | $ 4,841,796 |  | $ 4,482,002
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 25.00% |  | 25.00% |  | 21.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 418,106 |  | 418,106 |  | 2,675,956
Year 3 | 1,635,135 |  | 1,635,135 |  | 303,045
Year 4 | 190,611 |  | 190,611 |  | 167,532
Year 5 | 135,833 |  | 135,833 |  | 165,577
After Year 5 | 412,987 |  | 412,987 |  | 384,760
Loan type | $ 2,792,672 |  | $ 2,792,672 |  | $ 3,696,870
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 14.00% |  | 14.00% |  | 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 | 258,592 |  | 258,592 |  | 1,524,834
Year 4 | 1,094,789 |  | 1,094,789 |  | 195,091
Year 5 | 116,401 |  | 116,401 |  | 129,571
After Year 5 | 528,339 |  | 528,339 |  | 456,448
Loan type | $ 1,998,121 |  | $ 1,998,121 |  | $ 2,305,944
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 10.00% |  | 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 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 0 |  | 0 |  | 0
Year 4 | 153,321 |  | 153,321 |  | 902,938
Year 5 | 687,962 |  | 687,962 |  | 208,521
After Year 5 | 472,389 |  | 472,389 |  | 446,350
Loan type | $ 1,313,672 |  | $ 1,313,672 |  | $ 1,557,809
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 7.00% |  | 7.00% |  | 7.00%
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 | 0 |  | 0 |  | 116
Year 5 | 126,750 |  | 126,750 |  | 706,097
After Year 5 | 3,417,762 |  | 3,417,762 |  | 2,985,015
Loan type | $ 3,544,512 |  | $ 3,544,512 |  | $ 3,691,228
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 18.00% |  | 18.00% |  | 18.00%
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 708,196 |  | $ 708,196 |  | $ 1,976,040
Year 2 | 2,254,427 |  | 2,254,427 |  | 1,672,333
Year 3 | 955,723 |  | 955,723 |  | 669,250
Year 4 | 452,970 |  | 452,970 |  | 307,781
Year 5 | 231,555 |  | 231,555 |  | 213,593
After Year 5 | 525,887 |  | 525,887 |  | 452,994
Loan type | $ 5,128,758 |  | $ 5,128,758 |  | $ 5,291,991
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 26.00% |  | 26.00% |  | 25.00%

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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, 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 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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- 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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