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Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)

3 Months Ended

Mar. 31, 2022

Notes Tables

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

For the Three Months Ended March 31, 2022		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(43.4	)		$	(1.4	)		$	(12.4	)		$	(57.2	)
Cumulative effects from adoption of fair value under the CECL standard			43.4				—				12.4				55.8
Cumulative effects from adoption of the CECL standard			—				(0.2	)			—				(0.2	)
Provision for loan losses			—				(0.1	)			—				(0.1	)
Charge-offs			—				0.4				—				0.4
Recoveries			—				(0.3	)			—				(0.3	)
Balance at end of period		$	—			$	(1.6	)		$	—			$	(1.6	)

As of March 31, 2022		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment		$	—			$	—			$	—			$	—
Balance at end of period collectively evaluated for impairment		$	—			$	(1.6	)		$	—			$	(1.6	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	—			$	99.9			$	—			$	99.9
Loans, interest and fees receivable individually evaluated for impairment		$	—			$	—			$	—			$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	—			$	99.9			$	—			$	99.9

For the Three Months Ended March 31, 2021		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(88.2	)		$	(1.7	)		$	(35.1	)		$	(125.0	)
Provision for loan losses			(4.2	)			(0.1	)			0.2				(4.1	)
Charge-offs			19.0				0.6				7.3				26.9
Recoveries			(1.7	)			(0.3	)			(1.7	)			(3.7	)
Balance at end of period		$	(75.1	)		$	(1.5	)		$	(29.3	)		$	(105.9	)

As of December 31, 2021		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment		$	—			$	(0.1	)		$	—			$	(0.1	)
Balance at end of period collectively evaluated for impairment		$	(43.4	)		$	(1.3	)		$	(12.4	)		$	(57.1	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	259.5			$	94.6			$	116.2			$	470.3
Loans, interest and fees receivable individually evaluated for impairment		$	—			$	0.4			$	—			$	0.4
Loans, interest and fees receivable collectively evaluated for impairment		$	259.5			$	94.2			$	116.2			$	469.9

Financing Receivable, Past Due [Table Text Block]

As of March 31, 2022		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
30-59 days past due		$	—			$	4.8			$	—			$	4.8
60-89 days past due			—				1.6				—				1.6
90 or more days past due			—				1.4				—				1.4
Delinquent loans, interest and fees receivable, gross			—				7.8				—				7.8
Current loans, interest and fees receivable, gross			—				92.1				—				92.1
Total loans, interest and fees receivable, gross		$	—			$	99.9			$	—			$	99.9
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	—			$	1.0			$	—			$	1.0

As of December 31, 2021		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
30-59 days past due		$	7.3			$	7.2			$	3.3			$	17.8
60-89 days past due			6.9				2.6				2.6				12.1
90 or more days past due			17.9				2.0				6.8				26.7
Delinquent loans, interest and fees receivable, gross			32.1				11.8				12.7				56.6
Current loans, interest and fees receivable, gross			227.4				82.8				103.5				413.7
Total loans, interest and fees receivable, gross		$	259.5			$	94.6			$	116.2			$	470.3
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	—			$	1.5			$	—			$	1.5

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		As of
		March 31, 2022								December 31, 2021
		Private label credit				General purpose credit card				Private label credit				General purpose credit card
Number of TDRs			17,886				52,652				14,919				39,322
Number of TDRs that have been re-aged			283				893				812				2,035
Amount of TDRs on non-accrual status (in thousands)		$	21,280			$	32,915			$	17,152			$	25,154
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)		$	424			$	678			$	1,205			$	1,553
Carrying value of TDRs (in thousands)		$	14,330			$	20,961			$	11,173			$	15,502
TDRs - Performing (carrying value, in thousands)*		$	11,917			$	18,992			$	8,797			$	13,387
TDRs - Nonperforming (carrying value, in thousands)*		$	2,413			$	1,969			$	2,376			$	2,115

		Twelve Months Ended
		March 31, 2022								March 31, 2021
		Private label credit				General purpose credit card				Private label credit				General purpose credit card
Number of accounts			3,853				10,487				2,448				6,304
Loan balance at time of charge off (in thousands)		$	5,897			$	8,721			$	3,364			$	5,553

Disaggregation of Revenue [Table Text Block]

For the Three Months Ended March 31, 2022		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	5,698			$	—			$	5,698
Servicing income			830				252				1,082
Service charges and other customer related fees			3,470				16				3,486
Total revenue from contracts with customers		$	9,998			$	268			$	10,266

For the Three Months Ended March 31, 2021		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	2,622			$	—			$	2,622
Servicing income			388				325				713
Service charges and other customer related fees			1,229				15				1,244
Total revenue from contracts with customers		$	4,239			$	340			$	4,579

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