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Loans to Bank Customers (Tables) | 3 Months Ended
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Mar. 31, 2025
Credit Loss [Abstract] |
Schedule of 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)
March 31, 2025 |
Residential | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,400 |  |  | $ | 7,400 |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 2,571 |  |  | 2,571 |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | 6,247 |  |  | 6,247 |
Consumer | 1,339 |  |  | — |  |  | — |  |  | 1,339 |  |  | 35,438 |  |  | 36,777 |
Secured credit card | 485 |  |  | 597 |  |  | 2,022 |  |  | 3,104 |  |  | 4,967 |  |  | 8,071 |
Total loans | $ | 1,824 |  |  | $ | 597 |  |  | $ | 2,022 |  |  | $ | 4,443 |  |  | $ | 56,623 |  |  | $ | 61,066 |
Percentage of outstanding | 3.0 | % |  | 1.0 | % |  | 3.3 | % |  | 7.3 | % |  | 92.7 | % |  | 100.0 | %
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 | %
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 to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2024 for further information on the criteria for classification as nonperforming.
| March 31, 2025 |  | December 31, 2024
| (In thousands)
Residential | $ | 31 |  |  | $ | 34 |
Secured credit card | 2,022 |  |  | 2,536 |
Total loans | $ | 2,053 |  |  | $ | 2,570 |
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:
| March 31, 2025 |  | December 31, 2024
| Non-Classified |  | Classified |  | Non-Classified |  | Classified
| (In thousands)
Residential | $ | 7,369 |  |  | $ | 31 |  |  | $ | 6,841 |  |  | $ | 34 |
Commercial | 2,571 |  |  | — |  |  | 2,585 |  |  | — |
Installment | 6,247 |  |  | — |  |  | 5,439 |  |  | — |
Consumer | 36,777 |  |  | — |  |  | 25,536 |  |  | — |
Secured credit card | 6,049 |  |  | 2,022 |  |  | 6,532 |  |  | 2,536 |
Total loans | $ | 59,013 |  |  | $ | 2,053 |  |  | $ | 46,933 |  |  | $ | 2,570 |
Schedule of Allowance for Loan Losses | Activity in the allowance for credit losses on our loan portfolio consisted of the following:
| Three Months Ended March 31, |  |
| 2025 |  | 2024 |  |  |  |
| (In thousands)
Balance, beginning of period | $ | 17,542 |  |  | $ | 11,383 |  |  |  |  |
Provision for loans | 11,127 |  |  | 4,788 |  |  |  |  |
Loans charged off | (6,347) |  |  | (5,859) |  |  |  |  |
Recoveries of loans previously charged off | 34 |  |  | 64 |  |  |  |  |
Balance, end of period | $ | 22,356 |  |  | $ | 10,376 |  |  |  |  |

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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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