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Finance Receivables (Tables)

12 Months Ended

Mar. 31, 2019

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of finance receivables consisting of automobile finance installment Contracts and Direct Loans

		(In thousands)
		2019				2018
Finance receivables		$	228,994			$	301,065
Accrued interest receivable			2,889				2,732
Unearned dealer discounts			(10,083	)			(13,655	)
Unearned insurance and fee commissions			(2,826	)			(3,303	)
Finance receivables, net of unearned			218,974				286,839
Allowance for credit losses			(16,932	)			(20,266	)
Finance receivables, net		$	202,042			$	266,573

Schedule of activity in allowance for credit losses

		For the year ended March 31, 2019
		(In thousands)
		Indirect				Direct				Total
Balance at beginning of year		$	19,433			$	833			$	20,266
Provision for credit losses			32,715				121				32,836
Charge-offs			(37,514	)			(638	)			(38,152	)
Recoveries			1,941				41				1,982
Balance at end of year		$	16,575			$	357			$	16,932

		For the year ended March 31, 2018
		(In thousands)
		Indirect				Direct				Total
Balance at beginning of year		$	16,885			$	773			$	17,658
Provision for credit losses			36,890				560				37,450
Charge-offs			(36,183	)			(536	)			(36,719	)
Recoveries			1,841				36				1,877
Balance at end of year		$	19,433			$	833			$	20,266

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		2019												2018
		Contracts				Direct Loans				Total				Contracts				Direct Loans				Total
Performing accounts		$	213,542			$	7,889			$	221,431			$	279,688			$	7,528			$	287,216
Non-performing accounts			7,453				110				7,563				9,503				217				9,720
Total			220,995				7,999				228,994				289,191				7,745				296,936
Chapter 13 bankruptcy			—				—				—				4,073				56				4,129
Finance receivables		$	220,995			$	7,999			$	228,994			$	293,264			$	7,801			$	301,065

Direct Loan Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of information regarding delinquency rates

Direct Loans		Balance Outstanding				30 – 59 days				60 –89 days				90-119 days				120+ days				Total
March 31, 2019		$	7,999			$	197			$	79			$	31				—			$	307
							2.46	%			0.99	%			0.39	%			0.00	%			3.84	%
March 31, 2018		$	7,745			$	189			$	77			$	62			$	78			$	406
							2.44	%			0.99	%			0.80	%			1.01	%			5.24	%

Contract Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of information regarding delinquency rates

		(In thousands)
Contracts		Balance Outstanding				30 – 59 days				60 –89 days				90-119 days				120+ days				Total
March 31, 2019		$	220,995			$	14,897			$	5,155			$	2,288			$	10			$	22,350
							6.74	%			2.33	%			1.04	%			0.00	%			10.11	%
March 31, 2018		$	289,191			$	15,828			$	5,711			$	2,124			$	1,668			$	25,331
							5.47	%			1.97	%			0.73	%			0.58	%			8.76	%

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Tabular disclosure of information regarding delinquency rates.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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-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.

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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.

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