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CONSUMER LOANS RECEIVABLE | 12 Months Ended
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Dec. 31, 2024
CONSUMER LOANS RECEIVABLE |
CONSUMER LOANS RECEIVABLE | 4. CONSUMER LOANS RECEIVABLE Consumer loans receivable, net of allowance for loan losses and deferred financing fees, consisted of the following at December 31, 2024, 2023 and 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | As of December 31, |  | As of December 31, |  | As of December 31,
​ | ​ | 2024 | ​ | 2023 | ​ | 2022
Consumer loans receivable | ​ | $ | 177,289 | ​ | $ | 159,738 | ​ | $ | 142,340
Loan discount and deferred financing fees | ​ |  | (2,490) | ​ |  | (2,473) | ​ |  | (2,501)
Allowance for loan losses | ​ |  | (694) | ​ |  | (765) | ​ |  | (830)
Consumer loans receivable, net | ​ | $ | 174,105 | ​ | $ | 156,500 | ​ | $ | 139,009
​ The following table presents a detail of the activity in the allowance for loan losses for the years ended December 31, 2024 and 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year Ended December 31, | ​
​ | ​ | 2024 |  | 2023 |
Allowance for loan losses, beginning of period | ​ | $ | 765 | ​ | $ | 830 | ​
Provision for loan losses | ​ |  | (207) | ​ |  | (114) | ​
Recoveries | ​ |  | 136 | ​ |  | 49 | ​
Allowance for loan losses, end of period | ​ | $ | 694 | ​ | $ | 765 | ​
​ The following table presents impaired and general reserve for allowance for loan losses at December 31, 2024 and 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | As of December 31, |  | As of December 31,
​ | ​ | 2024 | ​ | 2023
Total consumer loans | ​ | $ | 177,289 | ​ | $ | 159,738
Allowance for loan losses | ​ | $ | 694 | ​ | $ | 765
Impaired loans individually evaluated for impairment | ​ | $ | 3,582 | ​ | $ | 1,565
Specific reserve against impaired loans | ​ | $ | 680 | ​ | $ | 562
Other loans collectively evaluated for allowance | ​ | $ | 173,707 | ​ | $ | 158,173
General allowance for loan losses | ​ | $ | 14 | ​ | $ | 203
​ A detailed aging of consumer loans receivable that are past due as of December 31, 2024 and 2023 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, |  | ​ |  | As of December 31, |  | ​
​ | ​ | 2024 | ​ | % | ​ | 2023 | ​ | %
Total consumer loans receivable | ​ | $ | 177,289 |  | 100.0 |  | $ | 159,738 |  | 100.0
Past due consumer loans: | ​ |  |  |  |  | ​ |  |  |  |
31 - 60 days past due | ​ | $ | 2,014 |  | 1.1 | ​ | $ | 624 |  | 0.4
61 - 90 days past due | ​ |  | 297 |  | 0.2 | ​ |  | 149 |  | 0.1
91 - 120 days past due | ​ |  | 462 |  | 0.3 | ​ |  | 123 |  | 0.1
Greater than 120 days past due | ​ |  | 3,120 |  | 1.8 | ​ |  | 1,449 |  | 0.9
Total past due | ​ | $ | 5,893 |  | 3.4 | ​ | $ | 2,345 |  | 1.5
​ We evaluate the credit quality of our consumer loan portfolio based on the aging status of the loan and by payment activity. Loan delinquency reporting generally is based on borrower payment activity relative to the contractual terms of the loan. The following table disaggregates the outstanding principal balance of consumer loans receivable by credit quality indicator based on delinquency status and fiscal year of origination: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year of Origination
​ | ​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Total | ​ | % of Portfolio
< 30 days past due | ​ | $ | 35,453 | ​ | $ | 28,611 | ​ | $ | 21,954 | ​ | $ | 18,698 | ​ | $ | 12,087 | ​ | $ | 54,594 | ​ | $ | 171,397 | ​ | % | 96.7
30-90 days past due | ​ | ​ | 434 | ​ | ​ | 367 | ​ | ​ | 244 | ​ | ​ | 176 | ​ | ​ | — | ​ | ​ | 1,090 | ​ | ​ | 2,311 | ​ | ​ | 1.3
> 90 days past due | ​ | ​ | 134 | ​ | ​ | 487 | ​ | ​ | 808 | ​ | ​ | 1,254 | ​ | ​ | 53 | ​ | ​ | 845 | ​ | ​ | 3,581 | ​ | ​ | 2.0
Total | ​ | $ | 36,021 | ​ | $ | 29,465 | ​ | $ | 23,006 | ​ | $ | 20,128 | ​ | $ | 12,140 | ​ | $ | 56,529 | ​ | $ | 177,289 | ​ | % | 100.0
​

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- Definition The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/310-10/tableOfContent Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2 + Details
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