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Loans to Bank Customers (Tables) | 12 Months Ended
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Dec. 31, 2024
Loans and Leases Receivable Disclosure [Abstract] |
Schedule Past Due Financing Receivables | The following table presents total outstanding loans, gross of the related allowance for credit losses, and a summary of the related payment status:
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Total Current or Less Than 30 Days Past Due |  | Total Outstanding
| (In thousands)
December 31, 2024 |
Residential | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 6,874 |  |  | $ | 6,875 |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 2,585 |  |  | 2,585 |
Installment | — |  |  | 933 |  |  | — |  |  | 933 |  |  | 4,506 |  |  | 5,439 |
Consumer | 1,668 |  |  | — |  |  | — |  |  | 1,668 |  |  | 23,868 |  |  | 25,536 |
Secured credit card | 700 |  |  | 700 |  |  | 2,536 |  |  | 3,936 |  |  | 5,132 |  |  | 9,068 |
Total loans | $ | 2,369 |  |  | $ | 1,633 |  |  | $ | 2,536 |  |  | $ | 6,538 |  |  | $ | 42,965 |  |  | $ | 49,503 |
Percentage of outstanding | 4.8 | % |  | 3.3 | % |  | 5.1 | % |  | 13.2 | % |  | 86.8 | % |  | 100.0 | %
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Residential | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,095 |  |  | $ | 5,095 |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 2,716 |  |  | 2,716 |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | 4,357 |  |  | 4,357 |
Consumer | 2,066 |  |  | — |  |  | — |  |  | 2,066 |  |  | 17,953 |  |  | 20,019 |
Secured credit card | 796 |  |  | 774 |  |  | 2,575 |  |  | 4,145 |  |  | 5,585 |  |  | 9,730 |
Total loans | $ | 2,862 |  |  | $ | 774 |  |  | $ | 2,575 |  |  | $ | 6,211 |  |  | $ | 35,706 |  |  | $ | 41,917 |
Percentage of outstanding | 6.8 | % |  | 1.9 | % |  | 6.1 | % |  | 14.8 | % |  | 85.2 | % |  | 100.0 | %
Schedule of Nonperforming Loans | The following table presents the carrying value, gross of the related allowance for credit losses, of our nonperforming loans. See Note 2—Summary of Significant Accounting Policies for further information on the criteria for classification as nonperforming. Note 6—Loans to Bank Customers (continued)
| December 31, 2024 |  | December 31, 2023
| (In thousands)
Residential | $ | 34 |  |  | $ | 49 |
Installment | — |  |  | 79 |
Secured credit card | 2,536 |  |  | 2,575 |
Total loans | $ | 2,570 |  |  | $ | 2,703 |
Schedule of Financing Receivable Credit Quality Indicators | The table below presents the carrying value, gross of the related allowance for credit losses, of our loans within the primary credit quality indicators related to our loan portfolio:
| December 31, 2024 |  | December 31, 2023
| Non-Classified |  | Classified |  | Non-Classified |  | Classified
| (In thousands)
Residential | $ | 6,841 |  |  | $ | 34 |  |  | $ | 5,046 |  |  | $ | 49 |
Commercial | 2,585 |  |  | — |  |  | 2,716 |  |  | — |
Installment | 5,439 |  |  | — |  |  | 4,278 |  |  | 79 |
Consumer | 25,536 |  |  | — |  |  | 20,019 |  |  | — |
Secured credit card | 6,532 |  |  | 2,536 |  |  | 7,155 |  |  | 2,575 |
Total loans | $ | 46,933 |  |  | $ | 2,570 |  |  | $ | 39,214 |  |  | $ | 2,703 |
Schedule of Allowance for Loan Losses | Activity in the allowance for credit losses on our loan portfolio consisted of the following:
| Year Ended December 31,
| 2024 |  | 2023 |  | 2022
| (In thousands)
Balance, beginning of period | $ | 11,383 |  |  | $ | 9,078 |  |  | $ | 5,555 |
Provision for loans | 27,562 |  |  | 26,311 |  |  | 32,352 |
Loans charged off | (21,613) |  |  | (24,224) |  |  | (28,829) |
Recoveries of loans previously charged off | 210 |  |  | 218 |  |  | — |
Balance, end of period | $ | 17,542 |  |  | $ | 11,383 |  |  | $ | 9,078 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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