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Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2025

Accounting Policies [Abstract]

Schedule of other income

Schedule of other income
		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2025				2024				2025				2024
		(In thousands)								(In thousands)
Origination and servicing fees from third party receivables		$	1,248			$	1,647			$	4,063			$	5,485
Sales tax refunds			–				254				–				803
Other			7				21				35				103
Other income for the period		$	1,255			$	1,922			$	4,098			$	6,391

Schedule of supplemental balance sheet information related to leases

Schedule of supplemental balance sheet information related to leases
		September 30,				December 31,
		2025				2024
		(In thousands)
Operating Leases
Operating lease right-of-use assets		$	51,770			$	51,093
Less: Accumulated amortization right-of-use assets			(35,055	)			(31,644	)
Operating lease right-of-use assets, net		$	16,715			$	19,449
Operating lease liabilities		$	(18,748	)		$	(21,471	)
Finance Leases
Property and equipment, at cost		$	4,039			$	3,794
Less: Accumulated depreciation			(3,635	)			(3,488	)
Property and equipment, net		$	404			$	306
Finance lease liabilities		$	(418	)		$	(315	)
Weighted Average Discount Rate
Operating lease			5.0%				5.0%
Finance lease			6.4%				6.5%

Schedule of maturities of lease liabilities

Schedule of maturities of lease liabilities
(In thousands)		Operating				Finance
Year Ending December 31,		Lease				Lease
2025 (excluding the nine months ended September 30, 2025)		$	938			$	52
2026			5,084				207
2027			5,242				149
2028			5,408				30
2029			3,761				10
Thereafter			985				–
Total undiscounted lease payments			21,418				448
Less amounts representing interest			(2,670	)			(30	)
Lease Liability		$	18,748			$	418

Schedule of lease cost

Schedule of lease cost
		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2025				2024				2025				2024
		(In thousands)								(In thousands)
Operating lease cost		$	1,126			$	1,311			$	3,748			$	3,996
Finance lease cost			55				34				164				82
Total lease cost		$	1,181			$	1,345			$	3,912			$	4,078

Schedule of supplemental cash flow information related to leases

Schedule of supplemental cash flow information related to leases
		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2025				2024				2025				2024
Cash paid for amounts included in the measurement of lease liabilities:		(In thousands)								(In thousands)
Operating cash flows from operating leases		$	1,126			$	1,311			$	3,748			$	3,996
Operating cash flows from finance leases			48				29				142				70
Financing cash flows from finance leases			7				6				22				13

Schedule of stock option activity

Schedule of stock option activity
										Weighted
		Number of				Weighted				Average
		Shares				Average				Remaining
		(in thousands)				Exercise Price				Contractual Term
Options outstanding at the beginning of period			6,157			$	5.37			N/A
Granted			1,430				8.19			N/A
Exercised			(1,352	)			3.48			N/A
Forfeited			(7	)			4.95			N/A
Options outstanding at the end of period			6,228			$	6.43			3.47 years
Options exercisable at the end of period			4,438			$	5.55			2.35 years

Schedule of price distribution of stock options outstanding and exercisable

Schedule of price distribution of stock options outstanding and exercisable
		Number of shares as of								Number of shares as of
		September 30, 2025								December 31, 2024
		Outstanding				Exercisable				Outstanding				Exercisable
Range of exercise prices:		(In thousands)								(In thousands)
$2.00 - $2.99			1,098				1,098				1,197				1,197
$3.00 - $3.99			897				897				2,026				2,026
$4.00 - $4.99			1,190				1,190				1,262				972
$8.00 - $8.99			1,430				–				–				–
$10.00 - $10.99			1,613				1,253				1,612				892
Total shares			6,228				4,438				6,097				5,087

Schedule of purchase of our common stock

Schedule of purchase of our common stock
		Nine Months Ended
		September 30, 2025								September 30, 2024
		Shares				Avg. Price				Shares				Avg. Price
Open market purchases			89,362			$	9.48				473,202			$	8.67
Shares redeemed upon net exercise of stock options			451,937				9.76				876,456				8.66
Other			100,000				8.62				120,000				9.49
Total stock purchases			641,299			$	9.54				1,469,658			$	8.73

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