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v3.25.1

Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
% of Balance |  |  |
Current period gross charge-offs, total |  | $ (93,997) |
Current period recoveries, total |  | 11,314 |
Current period net charge-offs, total |  | $ (82,683) |
Consumer Portfolio Segment | Student Loan |  |  |
% of Balance |  |  |
Current period gross charge-offs, Year 1 | $ (30) |  | $ (1,826)
Current period gross charge-offs, Year 2 | (2,204) |  | (29,094)
Current period gross charge-offs, Year 3 | (11,879) |  | (68,454)
Current period gross charge-offs, Year 4 | (14,517) |  | (53,697)
Current period gross charge-offs, Year 5 | (11,192) |  | (37,318)
Current period gross charge-offs, After Year 5 | (47,081) |  | (186,451)
Current period gross charge-offs, total | (86,903) |  | (376,840)
Current period recoveries, Year 1 | 0 |  | 117
Current period recoveries, Year 2 | 167 |  | 2,191
Current period recoveries, Year 3 | 1,045 |  | 6,487
Current period recoveries, Year 4 | 1,515 |  | 5,771
Current period recoveries, Year 5 | 1,135 |  | 3,840
Current period recoveries, After Year 5 | 6,872 |  | 26,350
Current period recoveries, total | 10,734 |  | 44,756
Current period net charge-offs, Year 1 | (30) |  | (1,709)
Current period net charge-offs, Year 2 | (2,037) |  | (26,903)
Current period recoveries, Year 3 | (10,834) |  | (61,967)
Current period recoveries, Year 4 | (13,002) |  | (47,926)
Current period recoveries, Year 5 | (10,057) |  | (33,478)
Current period recoveries, After Year 5 | (40,209) |  | (160,101)
Current period net charge-offs, total | (76,169) |  | (332,084)
Total accrued interest by origination vintage, Year 1 | 14,681 |  | 195,291
Total accrued interest by origination vintage, Year 2 | 304,006 |  | 484,531
Total accrued interest by origination vintage, Year 3 | 427,589 |  | 325,962
Total accrued interest by origination vintage, Year 4 | 300,194 |  | 197,504
Total accrued interest by origination vintage, Year 5 | 186,056 |  | 106,565
Total accrued interest by origination vintage, After Year 5 | 325,939 |  | 239,562
Total accrued interest by origination vintage | 1,558,465 |  | 1,549,415
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 942,378 |  | 5,024,592
Year 2 | 6,461,366 |  | 5,321,510
Year 3 | 4,141,150 |  | 3,185,247
Year 4 | 2,784,645 |  | 2,069,436
Year 5 | 1,890,758 |  | 1,373,996
After Year 5 | 6,211,828 |  | 5,260,227
Loan type | $ 22,432,125 |  | $ 22,235,008
% 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 | $ 859,190 |  | $ 4,519,952
Year 2 | 5,895,269 |  | 4,707,685
Year 3 | 3,629,844 |  | 2,741,871
Year 4 | 2,386,878 |  | 1,759,261
Year 5 | 1,604,095 |  | 1,151,751
After Year 5 | 5,421,272 |  | 4,642,019
Loan type | $ 19,796,548 |  | $ 19,522,539
% of Balance |  |  |
Private education loans | 88.00% |  | 88.00%
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 83,188 |  | $ 504,640
Year 2 | 566,097 |  | 613,825
Year 3 | 511,306 |  | 443,376
Year 4 | 397,767 |  | 310,175
Year 5 | 286,663 |  | 222,245
After Year 5 | 790,556 |  | 618,208
Loan type | $ 2,635,577 |  | $ 2,712,469
% of Balance |  |  |
Private education loans | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 942,378 |  | $ 5,024,592
Year 2 | 6,461,366 |  | 5,321,510
Year 3 | 4,141,150 |  | 3,185,247
Year 4 | 2,784,645 |  | 2,069,436
Year 5 | 1,890,758 |  | 1,373,996
After Year 5 | 6,211,828 |  | 5,260,227
Loan type | $ 22,432,125 |  | $ 22,235,008
% 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 | $ 51,495 |  | $ 293,025
Year 2 | 379,320 |  | 394,962
Year 3 | 310,698 |  | 261,589
Year 4 | 231,818 |  | 155,661
Year 5 | 144,364 |  | 94,355
After Year 5 | 537,354 |  | 475,186
Loan type | $ 1,655,049 |  | $ 1,674,778
% of Balance |  |  |
Private education loans at origination | 7.00% |  | 8.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 124,044 |  | $ 615,617
Year 2 | 783,165 |  | 753,548
Year 3 | 590,368 |  | 449,214
Year 4 | 394,851 |  | 285,181
Year 5 | 260,696 |  | 197,205
After Year 5 | 1,029,177 |  | 898,535
Loan type | $ 3,182,301 |  | $ 3,199,300
% of Balance |  |  |
Private education loans at origination | 14.00% |  | 14.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 294,174 |  | $ 1,525,547
Year 2 | 1,955,019 |  | 1,641,641
Year 3 | 1,278,201 |  | 998,834
Year 4 | 872,195 |  | 660,373
Year 5 | 603,290 |  | 451,695
After Year 5 | 2,093,039 |  | 1,782,121
Loan type | $ 7,095,918 |  | $ 7,060,211
% 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 | $ 472,665 |  | $ 2,590,403
Year 2 | 3,343,862 |  | 2,531,359
Year 3 | 1,961,883 |  | 1,475,610
Year 4 | 1,285,781 |  | 968,221
Year 5 | 882,408 |  | 630,741
After Year 5 | 2,552,258 |  | 2,104,385
Loan type | $ 10,498,857 |  | $ 10,300,719
% of Balance |  |  |
Private education loans at origination | 47.00% |  | 46.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 942,378 |  | $ 5,024,592
Year 2 | 6,461,366 |  | 5,321,510
Year 3 | 4,141,150 |  | 3,185,247
Year 4 | 2,784,645 |  | 2,069,436
Year 5 | 1,890,758 |  | 1,373,996
After Year 5 | 6,211,828 |  | 5,260,227
Loan type | $ 22,432,125 |  | $ 22,235,008
% 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 | $ 78,272 |  | $ 453,705
Year 2 | 616,695 |  | 666,049
Year 3 | 578,313 |  | 467,562
Year 4 | 449,560 |  | 301,367
Year 5 | 302,294 |  | 194,124
After Year 5 | 1,037,950 |  | 831,053
Loan type | $ 3,063,084 |  | $ 2,913,860
% of Balance |  |  |
Private education loans at origination | 14.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 126,040 |  | $ 633,749
Year 2 | 800,321 |  | 710,546
Year 3 | 530,393 |  | 409,808
Year 4 | 344,692 |  | 248,325
Year 5 | 222,205 |  | 138,730
After Year 5 | 664,969 |  | 578,639
Loan type | $ 2,688,620 |  | $ 2,719,797
% 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 | $ 286,159 |  | $ 1,485,771
Year 2 | 1,863,056 |  | 1,512,643
Year 3 | 1,148,737 |  | 879,450
Year 4 | 742,163 |  | 563,941
Year 5 | 494,666 |  | 362,715
After Year 5 | 1,590,227 |  | 1,398,737
Loan type | $ 6,125,008 |  | $ 6,203,257
% of Balance |  |  |
Private education loans at origination | 27.00% |  | 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 | $ 451,907 |  | $ 2,451,367
Year 2 | 3,181,294 |  | 2,432,272
Year 3 | 1,883,707 |  | 1,428,427
Year 4 | 1,248,230 |  | 955,803
Year 5 | 871,593 |  | 678,427
After Year 5 | 2,918,682 |  | 2,451,798
Loan type | $ 10,555,413 |  | $ 10,398,094
% of Balance |  |  |
Private education loans at origination | 47.00% |  | 47.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 942,378 |  | $ 5,024,592
Year 2 | 6,461,366 |  | 5,321,510
Year 3 | 4,141,150 |  | 3,185,247
Year 4 | 2,784,645 |  | 2,069,436
Year 5 | 1,890,758 |  | 1,373,996
After Year 5 | 6,211,828 |  | 5,260,227
Loan type | $ 22,432,125 |  | $ 22,235,008
% 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 | $ 506,319 |  | $ 2,860,113
Year 2 | 3,438,840 |  | 774,471
Year 3 | 544,214 |  | 499,812
Year 4 | 398,355 |  | 280,154
Year 5 | 227,135 |  | 159,762
After Year 5 | 389,019 |  | 324,506
Loan type | $ 5,503,882 |  | $ 4,898,818
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 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
Year 2 | 295,985 |  | 2,729,334
Year 3 | 2,093,179 |  | 372,496
Year 4 | 263,144 |  | 191,989
Year 5 | 169,556 |  | 122,938
After Year 5 | 406,222 |  | 340,556
Loan type | $ 3,228,086 |  | $ 3,757,313
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 14.00% |  | 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 |  | 0
Year 3 | 161,894 |  | 1,564,157
Year 4 | 1,384,100 |  | 254,068
Year 5 | 172,968 |  | 110,952
After Year 5 | 483,553 |  | 429,127
Loan type | $ 2,202,515 |  | $ 2,358,304
% 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 |  | 0
Year 4 | 103,094 |  | 987,977
Year 5 | 947,463 |  | 170,051
After Year 5 | 547,483 |  | 451,494
Loan type | $ 1,598,040 |  | $ 1,609,522
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 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
Year 2 | 0 |  | 0
Year 3 | 0 |  | 0
Year 4 | 0 |  | 0
Year 5 | 53,621 |  | 625,916
After Year 5 | 3,782,254 |  | 3,262,308
Loan type | $ 3,835,875 |  | $ 3,888,224
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 17.00% |  | 17.00%
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 436,059 |  | $ 2,164,479
Year 2 | 2,726,541 |  | 1,817,705
Year 3 | 1,341,863 |  | 748,782
Year 4 | 635,952 |  | 355,248
Year 5 | 320,015 |  | 184,377
After Year 5 | 603,297 |  | 452,236
Loan type | $ 6,063,727 |  | $ 5,722,827
% of Balance |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 27.00% |  | 26.00%

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