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CONSUMER LOANS RECEIVABLE (Tables) - Consumer

6 Months Ended

Jun. 30, 2026

Receivables

Schedule of receivable, net of allowance and deferred financing fees

Consumer loans receivable, net of allowance for loan losses and deferred financing fees, consists of the following (in thousands):

​	​	​	​	​	​	​	​	​	​
​	​ ​ ​	As of June 30,		​ ​ ​	As of December 31,		​ ​ ​	As of December 31,
​	​	2026		​	2025		​	2024
Consumer loans receivable	​	$	207,062	​	$	203,601	​	$	177,289
Loan discount and deferred financing fees	​		(2,237)	​		(2,379)	​		(2,490)
Allowance for loan losses	​		(2,651)	​		(2,408)	​		(694)
Consumer loans receivable, net	​	$	202,174	​	$	198,814	​	$	174,105

Schedule of allowance for loan losses

The following table presents a detail of the activity in the allowance for loan losses (in thousands):

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​ ​ ​

Three months ended June 30,

​

Six Months Ended June 30,

​

​

2026

​ ​ ​

2025

​

2026

​ ​ ​

2025

Allowance for loan losses, beginning of period

​

$

3,197

​

$

812

​

$

2,408

​

$

694

Provision for loan losses

​

(620)

​

728

​

321

​

922

(Charge offs) recoveries

​

74

​

(337)

​

(78)

​

(413)

Allowance for loan losses, end of period

​

$

2,651

​

$

1,203

​

$

2,651

​

$

1,203

Schedule of consumer loans receivable that are past due

A detailed aging of consumer loans receivable that are past due is as follows (in thousands):

​	​	​	​	​	​	​	​	​	​	​
​	​	As of June 30,		​ ​ ​	​	​ ​ ​	As of December 31,		​ ​ ​	​
​	​	2026		​	%	​	2025		​	%
Total consumer loans receivable	​	$	207,062		100.0	​ ​	$	203,601		100.0
Past due consumer loans:	​		​		​	​		​		​
31 - 60 days past due	​	$	1,686		0.8	​	$	1,690		0.8
61 - 90 days past due	​		381		0.2	​		96		—
91 - 120 days past due	​		204		0.1	​		447		0.2
Greater than 120 days past due	​		2,678		1.3	​		3,209		1.6
Total past due	​	$	4,949		2.4	​	$	5,442		2.6

Schedule of disaggregation of outstanding principal balance of consumer loans receivable

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 and is presented as of June 30, 2026 (in thousands):

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Year of Origination

​

​

2026

​

2025

​

2024

​

2023

​

2022

​

Prior

​

Total

​

% of Portfolio

< 30 days past due

​

$

17,164

​

$

45,251

​

$

28,564

​

$

23,950

​

$

18,515

​

$

68,669

​

$

202,113

​

​

97.6%

30-90 days past due

​

​

—

​

​

925

​

​

378

​

​

255

​

​

233

​

​

276

​

​

2,067

​

​

1.0%

> 90 days past due

​

​

—

​

​

—

​

​

355

​

​

204

​

​

708

​

​

1,615

​

​

2,882

​

​

1.4%

Total

​

$

17,164

​

$

46,176

​

$

29,297

​

$

24,409

​

$

19,456

​

$

70,560

​

$

207,062

​

​

100%

​

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-3

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3)(c)(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 20
-Name Accounting Standards Codification
-Section 40
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481628/310-20-40-7

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-2

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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
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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://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

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Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-3

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-2

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