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Loans to Bank Customers | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Loans to Bank Customers | Loans to Bank Customers 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, 2025 |
Residential | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,733 |  |  | $ | 7,733 |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 22,688 |  |  | 22,688 |
Installment | 8 |  |  | 35 |  |  | — |  |  | 43 |  |  | 5,773 |  |  | 5,816 |
Consumer | 1,777 |  |  | — |  |  | — |  |  | 1,777 |  |  | 28,124 |  |  | 29,901 |
Secured credit card | 544 |  |  | 554 |  |  | 1,835 |  |  | 2,933 |  |  | 7,682 |  |  | 10,615 |
Total loans | $ | 2,329 |  |  | $ | 589 |  |  | $ | 1,835 |  |  | $ | 4,753 |  |  | $ | 72,000 |  |  | $ | 76,753 |
Percentage of outstanding | 3.0 | % |  | 0.8 | % |  | 2.4 | % |  | 6.2 | % |  | 93.8 | % |  | 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 | %
The portion of our secured credit card portfolio that was previously classified as loans held for sale was reclassified to loans to bank customers on our consolidated balance sheet during the third quarter of 2025 based on changes in management's intention. These secured card balances, which amounted to approximately $3.4 million upon transfer, were previously included in the long-term portion of prepaid and other assets. As of December 31, 2024, the fair value of the loans held for sale amounted to approximately $3.8 million. 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.
| December 31, 2025 |  | December 31, 2024
| (In thousands)
Residential | $ | 19 |  |  | $ | 34 |
Secured credit card | 1,835 |  |  | 2,536 |
Total loans | $ | 1,854 |  |  | $ | 2,570 |
Credit Quality Indicators We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans include those designated as substandard, doubtful, or loss, consistent with regulatory guidelines. Secured credit card loans are considered classified if they are greater than 90 days past due. However, our secured credit card portfolio is collateralized by cash deposits made by each accountholder in an amount equal to the user's available credit limit, which mitigates the risk of any significant credit losses we expect to incur. Note 6—Loans to Bank Customers (continued) 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, 2025 |  | December 31, 2024
| Non-Classified |  | Classified |  | Non-Classified |  | Classified
| (In thousands)
Residential | $ | 7,714 |  |  | $ | 19 |  |  | $ | 6,841 |  |  | $ | 34 |
Commercial | 22,688 |  |  | — |  |  | 2,585 |  |  | — |
Installment | 4,902 |  |  | 914 |  |  | 5,439 |  |  | — |
Consumer | 29,901 |  |  | — |  |  | 25,536 |  |  | — |
Secured credit card | 8,780 |  |  | 1,835 |  |  | 6,532 |  |  | 2,536 |
Total loans | $ | 73,985 |  |  | $ | 2,768 |  |  | $ | 46,933 |  |  | $ | 2,570 |
Allowance for Credit Losses Activity in the allowance for credit losses on our loan portfolio consisted of the following:
| Year Ended December 31,
| 2025 |  | 2024 |  | 2023
| (In thousands)
Balance, beginning of period | $ | 17,542 |  |  | $ | 11,383 |  |  | $ | 9,078 |
Provision for loans | 23,450 |  |  | 27,562 |  |  | 26,311 |
Loans charged off | (20,027) |  |  | (21,613) |  |  | (24,224) |
Recoveries of loans previously charged off | 88 |  |  | 210 |  |  | 218 |
Balance, end of period | $ | 21,053 |  |  | $ | 17,542 |  |  | $ | 11,383 |

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