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Credit Card Receivables (Tables) - Credit card receivables | 12 Months Ended
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Dec. 31, 2025
Credit Card Receivables |
Schedule of credit card receivables, gross of allowance for credit losses, by geography | 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 | ​
Schedule of past due and non-accrual credit card receivables | 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 | ​ | $ | —
​
Schedule of change in the allowance for credit losses for credit card receivables portfolio | 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
Schedule of 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 | ​ | $ | —

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