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Loans to Bank Customers
 12 Months Ended
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 Due60-89 Days Past Due90 Days or More Past DueTotal Past DueTotal Current or Less Than 30 Days Past DueTotal Outstanding
(In thousands)
December 31, 2025
Residential$— $— $— $— $7,733 $7,733 
Commercial— — — — 22,688 22,688 
Installment8 35 — 43 5,773 5,816 
Consumer1,777 — — 1,777 28,124 29,901 
Secured credit card544 554 1,835 2,933 7,682 10,615 
Total loans$2,329 $589 $1,835 $4,753 $72,000 $76,753 
Percentage of outstanding3.0 %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 
Consumer1,668 — — 1,668 23,868 25,536 
Secured credit card700 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 outstanding4.8 %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, 2025December 31, 2024
(In thousands)
Residential$19 $34 
Secured credit card1,835 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, 2025December 31, 2024
Non-ClassifiedClassifiedNon-ClassifiedClassified
(In thousands)
Residential$7,714 $19 $6,841 $34 
Commercial22,688 — 2,585 — 
Installment4,902 914 5,439 — 
Consumer29,901 — 25,536 — 
Secured credit card8,780 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,
202520242023
(In thousands)
Balance, beginning of period$17,542 $11,383 $9,078 
Provision for loans23,450 27,562 26,311 
Loans charged off(20,027)(21,613)(24,224)
Recoveries of loans previously charged off88 210 218 
Balance, end of period$21,053 $17,542 $11,383