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

9 Months Ended

Sep. 30, 2023

Notes Tables

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

For the Three Months Ended September 30, 2023		Auto Finance
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(1.7	)
Provision for credit losses			(0.6	)
Charge-offs			1.0
Recoveries			(0.5	)
Balance at end of period		$	(1.8	)

For the Nine Months Ended September 30, 2023		Auto Finance
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(1.6	)
Provision for credit losses			(1.6	)
Charge-offs			2.8
Recoveries			(1.4	)
Balance at end of period		$	(1.8	)

As of September 30, 2023		Auto Finance
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		$	(1.8	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	118.0
Loans, interest and fees receivable individually evaluated for impairment		$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	118.0

For the Three Months Ended September 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 credit losses		—			(0.4	)		—			(0.4	)
Charge-offs		—			0.6			—			0.6
Recoveries		—			(0.4	)		—			(0.4	)
Balance at end of period	$	—		$	(1.8	)	$	—		$	(1.8	)

For the Nine Months Ended September 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 credit losses			—				(0.7	)			—				(0.7	)
Charge-offs			—				1.4				—				1.4
Recoveries			—				(0.9	)			—				(0.9	)
Balance at end of period		$	—			$	(1.8	)		$	—			$	(1.8	)

As of December 31, 2022		Auto Finance
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	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	105.3
Loans, interest and fees receivable individually evaluated for impairment		$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	105.3

Financing Receivable, Past Due [Table Text Block]

As of September 30, 2023		Auto Finance
30-59 days past due		$	8.6
60-89 days past due			3.3
90 or more days past due			2.6
Delinquent loans, interest and fees receivable, gross			14.5
Current loans, interest and fees receivable, gross			103.5
Total loans, interest and fees receivable, gross		$	118.0
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	2.0

As of December 31, 2022		Auto Finance
30-59 days past due		$	8.5
60-89 days past due			3.0
90 or more days past due			2.1
Delinquent loans, interest and fees receivable, gross			13.6
Current loans, interest and fees receivable, gross			91.7
Total loans, interest and fees receivable, gross		$	105.3
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	1.7

Financing Receivable, Modified [Table Text Block]

		As of
		December 31, 2022
		Private label credit				General purpose credit card
Number of TDRs			24,594				171,729
Number of TDRs that have been re-aged			2,499				28,598
Amount of TDRs on non-accrual status (in thousands)		$	31,350			$	119,785
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)		$	4,606			$	24,440
Carrying value of TDRs (in thousands)		$	18,827			$	70,519
TDRs - Performing (carrying value, in thousands)*		$	15,001			$	59,735
TDRs - Nonperforming (carrying value, in thousands)*		$	3,826			$	10,784

		Twelve Months Ended
		September 30, 2022
		Private label credit				General purpose credit card
Number of accounts			5,738				20,656
Loan balance at time of charge off (in thousands)		$	9,043			$	16,490

Disaggregation of Revenue [Table Text Block]

For the Three Months Ended September 30, 2023		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	5,790			$	—			$	5,790
Servicing income			943				179				1,122
Service charges and other customer related fees			3,447				19				3,466
Total revenue from contracts with customers		$	10,180			$	198			$	10,378

For the Nine Months Ended September 30, 2023		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	15,409			$	—			$	15,409
Servicing income			2,284				559				2,843
Service charges and other customer related fees			6,829				56				6,885
Total revenue from contracts with customers		$	24,522			$	615			$	25,137

For the Three Months Ended September 30, 2022		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	6,194			$	—			$	6,194
Servicing income			879				215				1,094
Service charges and other customer related fees			4,030				22				4,052
Total revenue from contracts with customers		$	11,103			$	237			$	11,340

For the Nine Months Ended September 30, 2022		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	19,273			$	—			$	19,273
Servicing income			2,513				692				3,205
Service charges and other customer related fees			11,484				54				11,538
Total revenue from contracts with customers		$	33,270			$	746			$	34,016

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