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Credit Card Receivables (Tables) - Credit card receivables

12 Months Ended

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)

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Amortized Cost

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Total

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> 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)

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Amortized Cost

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Total

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> 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

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$

477

​

$

334

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$

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).

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As of December 31, 2025

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As of December 31, 2024

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Nonaccrual

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Nonaccrual

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with No

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with No

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​ ​ ​

Nonaccrual

​ ​ ​

Allowance

​ ​ ​

Nonaccrual

​ ​ ​

Allowance

United States

​

$

588

​

$

—

​

$

551

​

$

—

Canada

​

333

​

—

​

339

​

—

Total

​

$

921

​

$

—

​

$

890

​

$

—

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 20
-Name Accounting Standards Codification
-Section 40
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481628/310-20-40-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-2

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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

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- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

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-Name Accounting Standards Codification
-Section S99
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

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Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

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