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v3.25.2

Allowance for Credit Losses and Unfunded Loan Commitments - 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, 2025 | Jun. 30, 2024 | Dec. 31, 2024
% of Balance |  |  |  |
Current period gross charge-offs, total | $ (91,168) |  | $ (185,165) |
Current period recoveries, total | 11,377 |  | 22,691 |
Current period net charge-offs, total | $ (79,791) |  | $ (162,474) |
Consumer Portfolio Segment | Student Loan |  |  |  |
% of Balance |  |  |  |
Current period gross charge-offs, Year 1 |  | $ (159) |  | $ (1,826)
Current period gross charge-offs, Year 2 |  | (6,775) |  | (29,094)
Current period gross charge-offs, Year 3 |  | (33,921) |  | (68,454)
Current period gross charge-offs, Year 4 |  | (34,015) |  | (53,697)
Current period gross charge-offs, Year 5 |  | (25,311) |  | (37,318)
Current period gross charge-offs, After Year 5 |  | (93,588) |  | (186,451)
Current period gross charge-offs, total |  | (193,769) |  | (376,840)
Current period recoveries, Year 1 |  | 19 |  | 117
Current period recoveries, Year 2 |  | 452 |  | 2,191
Current period recoveries, Year 3 |  | 2,704 |  | 6,487
Current period recoveries, Year 4 |  | 3,330 |  | 5,771
Current period recoveries, Year 5 |  | 2,610 |  | 3,840
Current period recoveries, After Year 5 |  | 14,212 |  | 26,350
Current period recoveries, total |  | 23,327 |  | 44,756
Current period net charge-offs, Year 1 |  | (140) |  | (1,709)
Current period net charge-offs, Year 2 |  | (6,323) |  | (26,903)
Current period recoveries, Year 3 |  | (31,217) |  | (61,967)
Current period recoveries, Year 4 |  | (30,685) |  | (47,926)
Current period recoveries, Year 5 |  | (22,701) |  | (33,478)
Current period recoveries, After Year 5 |  | (79,376) |  | (160,101)
Current period net charge-offs, total |  | (170,442) |  | (332,084)
Total accrued interest by origination vintage, Year 1 |  | 42,057 |  | 195,291
Total accrued interest by origination vintage, Year 2 |  | 424,303 |  | 484,531
Total accrued interest by origination vintage, Year 3 |  | 457,611 |  | 325,962
Total accrued interest by origination vintage, Year 4 |  | 302,033 |  | 197,504
Total accrued interest by origination vintage, Year 5 |  | 178,772 |  | 106,565
Total accrued interest by origination vintage, After Year 5 |  | 297,168 |  | 239,562
Total accrued interest by origination vintage |  | 1,701,944 |  | 1,549,415
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |
Year 1 |  | 1,475,825 |  | 5,024,592
Year 2 |  | 6,494,807 |  | 5,321,510
Year 3 |  | 4,066,289 |  | 3,185,247
Year 4 |  | 2,717,319 |  | 2,069,436
Year 5 |  | 1,832,671 |  | 1,373,996
After Year 5 |  | 5,938,906 |  | 5,260,227
Loan type |  | $ 22,525,817 |  | $ 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 |  | $ 1,313,131 |  | $ 4,519,952
Year 2 |  | 5,916,194 |  | 4,707,685
Year 3 |  | 3,569,964 |  | 2,741,871
Year 4 |  | 2,331,492 |  | 1,759,261
Year 5 |  | 1,555,331 |  | 1,151,751
After Year 5 |  | 5,182,173 |  | 4,642,019
Loan type |  | $ 19,868,285 |  | $ 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 |  | $ 162,694 |  | $ 504,640
Year 2 |  | 578,613 |  | 613,825
Year 3 |  | 496,325 |  | 443,376
Year 4 |  | 385,827 |  | 310,175
Year 5 |  | 277,340 |  | 222,245
After Year 5 |  | 756,733 |  | 618,208
Loan type |  | $ 2,657,532 |  | $ 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 |  | $ 1,475,825 |  | $ 5,024,592
Year 2 |  | 6,494,807 |  | 5,321,510
Year 3 |  | 4,066,289 |  | 3,185,247
Year 4 |  | 2,717,319 |  | 2,069,436
Year 5 |  | 1,832,671 |  | 1,373,996
After Year 5 |  | 5,938,906 |  | 5,260,227
Loan type |  | $ 22,525,817 |  | $ 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 |  | $ 78,534 |  | $ 293,025
Year 2 |  | 380,086 |  | 394,962
Year 3 |  | 308,242 |  | 261,589
Year 4 |  | 228,131 |  | 155,661
Year 5 |  | 141,381 |  | 94,355
After Year 5 |  | 516,846 |  | 475,186
Loan type |  | $ 1,653,220 |  | $ 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 |  | $ 191,662 |  | $ 615,617
Year 2 |  | 787,362 |  | 753,548
Year 3 |  | 581,703 |  | 449,214
Year 4 |  | 387,166 |  | 285,181
Year 5 |  | 254,432 |  | 197,205
After Year 5 |  | 987,715 |  | 898,535
Loan type |  | $ 3,190,040 |  | $ 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 |  | $ 458,881 |  | $ 1,525,547
Year 2 |  | 1,964,910 |  | 1,641,641
Year 3 |  | 1,257,401 |  | 998,834
Year 4 |  | 852,172 |  | 660,373
Year 5 |  | 585,375 |  | 451,695
After Year 5 |  | 2,002,102 |  | 1,782,121
Loan type |  | $ 7,120,841 |  | $ 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 |  | $ 746,748 |  | $ 2,590,403
Year 2 |  | 3,362,449 |  | 2,531,359
Year 3 |  | 1,918,943 |  | 1,475,610
Year 4 |  | 1,249,850 |  | 968,221
Year 5 |  | 851,483 |  | 630,741
After Year 5 |  | 2,432,243 |  | 2,104,385
Loan type |  | $ 10,561,716 |  | $ 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 |  | $ 1,475,825 |  | $ 5,024,592
Year 2 |  | 6,494,807 |  | 5,321,510
Year 3 |  | 4,066,289 |  | 3,185,247
Year 4 |  | 2,717,319 |  | 2,069,436
Year 5 |  | 1,832,671 |  | 1,373,996
After Year 5 |  | 5,938,906 |  | 5,260,227
Loan type |  | $ 22,525,817 |  | $ 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 |  | $ 127,524 |  | $ 453,705
Year 2 |  | 649,610 |  | 666,049
Year 3 |  | 594,396 |  | 467,562
Year 4 |  | 454,577 |  | 301,367
Year 5 |  | 306,551 |  | 194,124
After Year 5 |  | 1,017,940 |  | 831,053
Loan type |  | $ 3,150,598 |  | $ 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 |  | $ 194,160 |  | $ 633,749
Year 2 |  | 804,699 |  | 710,546
Year 3 |  | 523,161 |  | 409,808
Year 4 |  | 336,709 |  | 248,325
Year 5 |  | 213,209 |  | 138,730
After Year 5 |  | 647,881 |  | 578,639
Loan type |  | $ 2,719,819 |  | $ 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 |  | $ 445,089 |  | $ 1,485,771
Year 2 |  | 1,833,277 |  | 1,512,643
Year 3 |  | 1,103,764 |  | 879,450
Year 4 |  | 708,585 |  | 563,941
Year 5 |  | 473,632 |  | 362,715
After Year 5 |  | 1,506,496 |  | 1,398,737
Loan type |  | $ 6,070,843 |  | $ 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 |  | $ 709,052 |  | $ 2,451,367
Year 2 |  | 3,207,221 |  | 2,432,272
Year 3 |  | 1,844,968 |  | 1,428,427
Year 4 |  | 1,217,448 |  | 955,803
Year 5 |  | 839,279 |  | 678,427
After Year 5 |  | 2,766,589 |  | 2,451,798
Loan type |  | $ 10,584,557 |  | $ 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 |  | $ 1,475,825 |  | $ 5,024,592
Year 2 |  | 6,494,807 |  | 5,321,510
Year 3 |  | 4,066,289 |  | 3,185,247
Year 4 |  | 2,717,319 |  | 2,069,436
Year 5 |  | 1,832,671 |  | 1,373,996
After Year 5 |  | 5,938,906 |  | 5,260,227
Loan type |  | $ 22,525,817 |  | $ 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 |  | $ 792,794 |  | $ 2,860,113
Year 2 |  | 3,294,401 |  | 774,471
Year 3 |  | 567,092 |  | 499,812
Year 4 |  | 385,899 |  | 280,154
Year 5 |  | 221,822 |  | 159,762
After Year 5 |  | 375,717 |  | 324,506
Loan type |  | $ 5,637,725 |  | $ 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 |  | 556,519 |  | 2,729,334
Year 3 |  | 1,953,000 |  | 372,496
Year 4 |  | 238,352 |  | 191,989
Year 5 |  | 155,954 |  | 122,938
After Year 5 |  | 370,223 |  | 340,556
Loan type |  | $ 3,274,048 |  | $ 3,757,313
% of Balance |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments |  | 15.00% |  | 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 |  | 299,832 |  | 1,564,157
Year 4 |  | 1,307,229 |  | 254,068
Year 5 |  | 152,753 |  | 110,952
After Year 5 |  | 450,441 |  | 429,127
Loan type |  | $ 2,210,255 |  | $ 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 |  | 195,819 |  | 987,977
Year 5 |  | 895,007 |  | 170,051
After Year 5 |  | 517,518 |  | 451,494
Loan type |  | $ 1,608,344 |  | $ 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 |  | 114,387 |  | 625,916
After Year 5 |  | 3,690,139 |  | 3,262,308
Loan type |  | $ 3,804,526 |  | $ 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 |  | $ 683,031 |  | $ 2,164,479
Year 2 |  | 2,643,887 |  | 1,817,705
Year 3 |  | 1,246,365 |  | 748,782
Year 4 |  | 590,020 |  | 355,248
Year 5 |  | 292,748 |  | 184,377
After Year 5 |  | 534,868 |  | 452,236
Loan type |  | $ 5,990,919 |  | $ 5,722,827
% of Balance |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment |  | 26.00% |  | 26.00%

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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, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year + References No definition available. + Details
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