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

6 Months Ended

Jun. 30, 2022

Notes Tables

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

For the Three Months Ended June 30, 2022		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	—			$	(1.6	)		$	—			$	(1.6	)
Provision for loan losses			—				(0.2	)			—				(0.2	)
Charge-offs			—				0.4				—				0.4
Recoveries			—				(0.2	)			—				(0.2	)
Balance at end of period		$	—			$	(1.6	)		$	—			$	(1.6	)

For the Six Months Ended June 30, 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			—				(0.3	)			—				(0.3	)
Charge-offs			—				0.8				—				0.8
Recoveries			—				(0.5	)			—				(0.5	)
Balance at end of period		$	—			$	(1.6	)		$	—			$	(1.6	)

As of June 30, 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		$	—			$	104.6			$	—			$	104.6
Loans, interest and fees receivable individually evaluated for impairment		$	—			$	—			$	—			$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	—			$	104.6			$	—			$	104.6

For the Three Months Ended June 30, 2021		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(75.1	)		$	(1.5	)		$	(29.3	)		$	(105.9	)
Provision for loan losses			(11.0	)			0.2				(0.3	)			(11.1	)
Charge-offs			21.2				0.2				6.4				27.8
Recoveries			(3.1	)			(0.3	)			(2.6	)			(6.0	)
Balance at end of period		$	(68.0	)		$	(1.4	)		$	(25.8	)		$	(95.2	)

For the Six Months Ended June 30, 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			(15.2	)			0.1				(0.1	)			(15.2	)
Charge-offs		40.2					0.8				13.7				54.7
Recoveries			(4.8	)			(0.6	)			(4.3	)			(9.7	)
Balance at end of period		$	(68.0	)		$	(1.4	)		$	(25.8	)		$	(95.2	)

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 June 30, 2022		Credit Cards				Auto Finance				Other Unsecured Lending Products				Total
30-59 days past due		$	—			$	7.2			$	—			$	7.2
60-89 days past due			—				2.5				—				2.5
90 or more days past due			—				1.2				—				1.2
Delinquent loans, interest and fees receivable, gross			—				10.9				—				10.9
Current loans, interest and fees receivable, gross			—				93.7				—				93.7
Total loans, interest and fees receivable, gross		$	—			$	104.6			$	—			$	104.6
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	—			$	0.9			$	—			$	0.9

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
		June 30, 2022								December 31, 2021
		Private label credit				General purpose credit card				Private label credit				General purpose credit card
Number of TDRs			19,959				58,959				14,919				39,322
Number of TDRs that have been re-aged			1,095				2,830				812				2,035
Amount of TDRs on non-accrual status (in thousands)		$	25,492			$	39,359			$	17,152			$	25,154
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)		$	2,154			$	2,467			$	1,205			$	1,553
Carrying value of TDRs (in thousands)		$	15,044			$	19,609			$	11,173			$	15,502
TDRs - Performing (carrying value, in thousands)*		$	11,223			$	16,641			$	8,797			$	13,387
TDRs - Nonperforming (carrying value, in thousands)*		$	3,821			$	2,968			$	2,376			$	2,115

		Twelve Months Ended
		June 30, 2022								June 30, 2021
		Private label credit				General purpose credit card				Private label credit				General purpose credit card
Number of accounts			4,971				14,991				2,162				6,204
Loan balance at time of charge off (in thousands)		$	7,983			$	12,358			$	2,779			$	4,847

Disaggregation of Revenue [Table Text Block]

For the Three Months Ended June 30, 2022		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	7,381			$	—			$	7,381
Servicing income			804				225				1,029
Service charges and other customer related fees			3,984				16				4,000
Total revenue from contracts with customers		$	12,169			$	241			$	12,410

For the Six Months Ended June 30, 2022		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	13,079			$	—			$	13,079
Servicing income			1,634				477				2,111
Service charges and other customer related fees			7,454				32				7,486
Total revenue from contracts with customers		$	22,167			$	509			$	22,676

For the Three Months Ended June 30, 2021		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	4,269			$	—			$	4,269
Servicing income			349				299				648
Service charges and other customer related fees			2,380				15				2,395
Total revenue from contracts with customers		$	6,998			$	314			$	7,312

For the Six Months Ended June 30, 2021		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	6,891			$	—			$	6,891
Servicing income			737				624				1,361
Service charges and other customer related fees			3,609				30				3,639
Total revenue from contracts with customers		$	11,237			$	654			$	11,891

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