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Credit Card Receivables | 12 Months Ended
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Dec. 31, 2025
Credit Card Receivables |
Credit Card Receivables | 6.Credit Card Receivables The following table summarizes gross credit card receivables, before allowance for credit losses, by geography (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, | ​ | As of December 31, | ​
​ | ​ ​ ​ | 2025 | ​ ​ ​ | 2024 | ​ ​ ​
United States | ​ | ​ | 8,615 | ​ | ​ | 7,470 | ​
Canada | ​ | ​ | 9,480 | ​ | ​ | 11,613 | ​
Total | ​ | $ | 18,095 | ​ | $ | 19,083 | ​
​ The Company places credit card receivables on nonaccrual status when the credit card receivables are greater than 90 days past due or within 60 days of being notified that the customer is in bankruptcy status, whichever is earlier. The below tables present the information on the Company’s past due and non-accrual credit card receivables as of December 31, 2025, and 2024. Age analysis of past-due credit card receivables at December 31, 2025 (in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized Cost
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​ | ​ | > 90 DPD and
($ in 000s) | ​ ​ ​ | 30-59 | ​ ​ ​ | 60-89 | ​ ​ ​ | >90 | ​ ​ ​ | Past Due | ​ ​ ​ | Current | ​ ​ ​ | Total | ​ ​ ​ | Accruing (1)
United States | ​ | $ | 323 | ​ | $ | 210 | ​ | $ | 588 | ​ | $ | 1,121 | ​ | $ | 7,494 | ​ | $ | 8,615 | ​ | $ | —
Canada | ​ | ​ | 232 | ​ | ​ | 130 | ​ | ​ | 333 | ​ | ​ | 695 | ​ | ​ | 8,786 | ​ | ​ | 9,480 | ​ | ​ | —
Total | ​ | $ | 554 | ​ | $ | 340 | ​ | $ | 921 | ​ | $ | 1,815 | ​ | $ | 16,280 | ​ | $ | 18,095 | ​ | $ | —
​ Age analysis of past-due credit card receivables at December 31, 2024 (in thousands) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized Cost
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​ | ​ | > 90 DPD and
($ in 000s) | ​ ​ ​ | 30-59 | ​ ​ ​ | 60-89 | ​ ​ ​ | >90 | ​ ​ ​ | Past Due | ​ ​ ​ | Current | ​ ​ ​ | Total | ​ ​ ​ | Accruing (1)
United States | ​ | $ | 196 | ​ | $ | 177 | ​ | $ | 551 | ​ | $ | 924 | ​ | $ | 6,546 | ​ | $ | 7,470 | ​ | $ | —
Canada | ​ | ​ | 281 | ​ | ​ | 157 | ​ | ​ | 339 | ​ | ​ | 777 | ​ | ​ | 10,836 | ​ | ​ | 11,613 | ​ | ​ | —
Total | ​ | $ | 477 | ​ | $ | 334 | ​ | $ | 890 | ​ | $ | 1,701 | ​ | $ | 17,382 | ​ | $ | 19,083 | ​ | $ | —
​ Allowance for Credit Losses The following table summarizes the change in the allowance for credit losses for the Company’s credit card receivables portfolio (in thousands).
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ ​ ​ | United States | ​ | Canada | ​ | ​ | Total
Balance as of December 31, 2023 | ​ | $ | 1,109 | ​ | $ | 1,104 | ​ | $ | 2,213
Charge-offs | ​ | ​ | (2,028) | ​ | ​ | (1,775) | ​ | ​ | (3,803)
Provision | ​ | ​ | 1,876 | ​ | ​ | 1,621 | ​ | ​ | 3,497
Balance as of December 31, 2024 | ​ | $ | 957 | ​ | $ | 950 | ​ | $ | 1,907
Charge-offs | ​ | ​ | (1,857) | ​ | ​ | (1,465) | ​ | ​ | (3,323)
Recoveries | ​ | ​ | 329 | ​ | ​ | 509 | ​ | ​ | 838
Provision | ​ | ​ | 1,579 | ​ | ​ | 782 | ​ | ​ | 2,361
Balance as of December 31, 2025 | ​ | $ | 1,008 | ​ | $ | 775 | ​ | $ | 1,784
​ ​ Non-Accrual Loans The following table presents non-accrual loans by segment (in thousands).
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ ​ ​ | As of December 31, 2025 | ​ ​ ​ | As of December 31, 2024
​ | ​ | ​ | ​ | Nonaccrual | ​ | ​ | ​ | ​ | Nonaccrual
​ | ​ | ​ | ​ | with No | ​ | ​ | ​ | ​ | with No
​ | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance | ​ ​ ​ | Nonaccrual | ​ ​ ​ | Allowance
United States | ​ | $ | 588 | ​ | $ | — | ​ | $ | 551 | ​ | $ | —
Canada | ​ |  | 333 | ​ |  | — | ​ |  | 339 | ​ |  | —
Total | ​ | $ | 921 | ​ | $ | — | ​ | $ | 890 | ​ | $ | —
​ No interest income was recorded for the non-accrual receivables for the year ended December 31, 2025.

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