v3.26.1
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Summary of Net Finance Receivables

Net finance receivables for the periods indicated consisted of the following:

 

Dollars in thousands

 

June 30, 2026

 

 

December 31, 2025

 

Large loans

 

$

1,659,685

 

 

$

1,593,171

 

Small loans

 

 

488,568

 

 

 

547,028

 

Total

 

$

2,148,253

 

 

$

2,140,199

 
Summary of Financing Receivable Credit Quality Indicators

Net finance receivables by product, FICO band at origination, and origination year as of June 30, 2026 are as follows:

 

Net Finance Receivables by Origination Year

 

Dollars in thousands

2026

 

2025

 

2024

 

2023

 

2022

 

Prior

 

Total Net Finance Receivables

 

Large Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

66,658

 

$

84,751

 

$

23,701

 

$

9,271

 

$

3,121

 

$

1,133

 

$

188,635

 

2

 

44,346

 

 

51,675

 

 

13,494

 

 

4,073

 

 

1,117

 

 

224

 

 

114,929

 

3

 

66,795

 

 

82,296

 

 

22,299

 

 

8,092

 

 

2,825

 

 

323

 

 

182,630

 

4

 

88,259

 

 

109,784

 

 

32,096

 

 

12,147

 

 

4,524

 

 

488

 

 

247,298

 

5

 

94,571

 

 

120,142

 

 

36,827

 

 

13,788

 

 

5,312

 

 

809

 

 

271,449

 

6

 

231,731

 

 

291,079

 

 

87,062

 

 

33,326

 

 

10,353

 

 

1,193

 

 

654,744

 

Total

$

592,360

 

$

739,727

 

$

215,479

 

$

80,697

 

$

27,252

 

$

4,170

 

$

1,659,685

 

Small Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

48,469

 

$

41,341

 

$

5,146

 

$

741

 

$

116

 

$

36

 

$

95,849

 

2

 

20,154

 

 

18,114

 

 

2,468

 

 

233

 

 

16

 

 

1

 

 

40,986

 

3

 

27,609

 

 

25,870

 

 

3,383

 

 

312

 

 

30

 

 

7

 

 

57,211

 

4

 

29,170

 

 

31,299

 

 

4,444

 

 

396

 

 

29

 

 

3

 

 

65,341

 

5

 

29,127

 

 

33,458

 

 

6,475

 

 

363

 

 

26

 

 

4

 

 

69,453

 

6

 

65,887

 

 

75,921

 

 

17,296

 

 

593

 

 

25

 

 

6

 

 

159,728

 

Total

$

220,416

 

$

226,003

 

$

39,212

 

$

2,638

 

$

242

 

$

57

 

$

488,568

 

Total Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

115,127

 

$

126,092

 

$

28,847

 

$

10,012

 

$

3,237

 

$

1,169

 

$

284,484

 

2

 

64,500

 

 

69,789

 

 

15,962

 

 

4,306

 

 

1,133

 

 

225

 

 

155,915

 

3

 

94,404

 

 

108,166

 

 

25,682

 

 

8,404

 

 

2,855

 

 

330

 

 

239,841

 

4

 

117,429

 

 

141,083

 

 

36,540

 

 

12,543

 

 

4,553

 

 

491

 

 

312,639

 

5

 

123,698

 

 

153,600

 

 

43,302

 

 

14,151

 

 

5,338

 

 

813

 

 

340,902

 

6

 

297,618

 

 

367,000

 

 

104,358

 

 

33,919

 

 

10,378

 

 

1,199

 

 

814,472

 

Total

$

812,776

 

$

965,730

 

$

254,691

 

$

83,335

 

$

27,494

 

$

4,227

 

$

2,148,253

 

 

 

Net finance receivables by product, FICO band at origination, and origination year as of December 31, 2025 are as follows:

 

 

Net Finance Receivables by Origination Year

 

Dollars in thousands

2025

 

2024

 

2023

 

2022

 

2021

 

Prior

 

Total Net Finance Receivables

 

Large Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

119,724

 

$

36,692

 

$

15,225

 

$

5,034

 

$

1,453

 

$

382

 

$

178,510

 

2

 

75,189

 

 

21,423

 

 

6,854

 

 

2,086

 

 

383

 

 

48

 

 

105,983

 

3

 

121,142

 

 

35,473

 

 

13,157

 

 

5,398

 

 

739

 

 

51

 

 

175,960

 

4

 

160,692

 

 

50,359

 

 

20,102

 

 

8,588

 

 

1,130

 

 

77

 

 

240,948

 

5

 

173,379

 

 

58,320

 

 

22,357

 

 

9,995

 

 

1,893

 

 

90

 

 

266,034

 

6

 

411,650

 

 

133,932

 

 

55,991

 

 

20,631

 

 

3,397

 

 

135

 

 

625,736

 

Total

$

1,061,776

 

$

336,199

 

$

133,686

 

$

51,732

 

$

8,995

 

$

783

 

$

1,593,171

 

Small Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

82,635

 

$

12,526

 

$

1,937

 

$

267

 

$

56

 

$

13

 

$

97,434

 

2

 

36,601

 

 

6,164

 

 

783

 

 

62

 

 

2

 

 

—

 

 

43,612

 

3

 

53,879

 

 

9,494

 

 

1,042

 

 

97

 

 

8

 

 

—

 

 

64,520

 

4

 

62,360

 

 

12,597

 

 

1,428

 

 

76

 

 

4

 

 

3

 

 

76,468

 

5

 

63,637

 

 

16,817

 

 

1,732

 

 

91

 

 

5

 

 

1

 

 

82,283

 

6

 

136,833

 

 

42,405

 

 

3,365

 

 

98

 

 

9

 

 

1

 

 

182,711

 

Total

$

435,945

 

$

100,003

 

$

10,287

 

$

691

 

$

84

 

$

18

 

$

547,028

 

Total Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO Band

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1

$

202,359

 

$

49,218

 

$

17,162

 

$

5,301

 

$

1,509

 

$

395

 

$

275,944

 

2

 

111,790

 

 

27,587

 

 

7,637

 

 

2,148

 

 

385

 

 

48

 

 

149,595

 

3

 

175,021

 

 

44,967

 

 

14,199

 

 

5,495

 

 

747

 

 

51

 

 

240,480

 

4

 

223,052

 

 

62,956

 

 

21,530

 

 

8,664

 

 

1,134

 

 

80

 

 

317,416

 

5

 

237,016

 

 

75,137

 

 

24,089

 

 

10,086

 

 

1,898

 

 

91

 

 

348,317

 

6

 

548,483

 

 

176,337

 

 

59,356

 

 

20,729

 

 

3,406

 

 

136

 

 

808,447

 

Total

$

1,497,721

 

$

436,202

 

$

143,973

 

$

52,423

 

$

9,079

 

$

801

 

$

2,140,199

 

 

Credit losses by product and origination year for the periods indicated are as follows:

 

 

Six Months Ended June 30, 2026

 

Dollars in thousands

2026

 

2025

 

2024

 

2023

 

2022

 

Prior

 

Total Credit Losses

 

Large loans

$

125

 

$

47,243

 

$

24,812

 

$

9,124

 

$

3,188

 

$

721

 

$

85,213

 

Small loans

 

205

 

 

40,571

 

 

13,686

 

 

1,608

 

 

134

 

 

6

 

 

56,210

 

Total

$

330

 

$

87,814

 

$

38,498

 

$

10,732

 

$

3,322

 

$

727

 

$

141,423

 

 

 

Six Months Ended June 30, 2025

 

Dollars in thousands

2025

 

2024

 

2023

 

2022

 

2021

 

Prior

 

Total Credit Losses

 

Large loans

$

222

 

$

32,547

 

$

25,552

 

$

9,316

 

$

2,348

 

$

410

 

$

70,395

 

Small loans

 

297

 

 

37,573

 

 

12,583

 

 

1,283

 

 

87

 

 

19

 

 

51,842

 

Total

$

519

 

$

70,120

 

$

38,135

 

$

10,599

 

$

2,435

 

$

429

 

$

122,237

 
Amortized Cost Basis in Past-Due Loans

The contractual delinquency of the net finance receivables portfolio by product and aging for the periods indicated are as follows:

 

 

June 30, 2026

 

 

Large

 

Small

 

Total

 

Dollars in thousands

$

 

%

 

$

 

%

 

$

 

%

 

Current

$

1,432,725

 

 

86.3

%

$

391,420

 

 

80.1

%

$

1,824,145

 

 

84.9

%

1 to 29 days past due

 

129,732

 

 

7.8

%

 

45,020

 

 

9.2

%

 

174,752

 

 

8.1

%

Delinquent accounts:

 

 

 

 

 

 

 

 

 

 

 

 

30 to 59 days

 

27,259

 

 

1.7

%

 

13,712

 

 

2.9

%

 

40,971

 

 

2.0

%

60 to 89 days

 

21,862

 

 

1.3

%

 

10,901

 

 

2.2

%

 

32,763

 

 

1.5

%

90 to 119 days

 

17,507

 

 

1.1

%

 

8,990

 

 

1.8

%

 

26,497

 

 

1.2

%

120 to 149 days

 

15,506

 

 

0.9

%

 

8,898

 

 

1.8

%

 

24,404

 

 

1.1

%

150 to 179 days

 

15,094

 

 

0.9

%

 

9,627

 

 

2.0

%

 

24,721

 

 

1.2

%

Total delinquency

$

97,228

 

 

5.9

%

$

52,128

 

 

10.7

%

$

149,356

 

 

7.0

%

Total net finance receivables

$

1,659,685

 

 

100.0

%

$

488,568

 

 

100.0

%

$

2,148,253

 

 

100.0

%

Net finance receivables in nonaccrual status

$

58,111

 

 

3.5

%

$

31,054

 

 

6.4

%

$

89,165

 

 

4.2

%

 

 

December 31, 2025

 

 

Large

 

Small

 

Total

 

Dollars in thousands

$

 

%

 

$

 

%

 

$

 

%

 

Current

$

1,372,102

 

 

86.1

%

$

437,005

 

 

79.9

%

$

1,809,107

 

 

84.5

%

1 to 29 days past due

 

121,113

 

 

7.6

%

 

48,745

 

 

8.9

%

 

169,858

 

 

8.0

%

Delinquent accounts:

 

 

 

 

 

 

 

 

 

 

 

 

30 to 59 days

 

26,940

 

 

1.7

%

 

14,295

 

 

2.6

%

 

41,235

 

 

1.9

%

60 to 89 days

 

23,576

 

 

1.5

%

 

13,582

 

 

2.5

%

 

37,158

 

 

1.7

%

90 to 119 days

 

18,957

 

 

1.2

%

 

11,861

 

 

2.2

%

 

30,818

 

 

1.5

%

120 to 149 days

 

16,715

 

 

1.0

%

 

11,050

 

 

2.0

%

 

27,765

 

 

1.3

%

150 to 179 days

 

13,768

 

 

0.9

%

 

10,490

 

 

1.9

%

 

24,258

 

 

1.1

%

Total delinquency

$

99,956

 

 

6.3

%

$

61,278

 

 

11.2

%

$

161,234

 

 

7.5

%

Total net finance receivables

$

1,593,171

 

 

100.0

%

$

547,028

 

 

100.0

%

$

2,140,199

 

 

100.0

%

Net finance receivables in nonaccrual status

$

62,351

 

 

3.9

%

$

38,269

 

 

7.0

%

$

100,620

 

 

4.7

%
Changes in Allowance for Credit Losses

The following are changes in the allowance for credit losses by product for the periods indicated:

 

 

As of and For the Three Months Ended June 30, 2026

 

Dollars in thousands

Large

 

Small

 

Total

 

Beginning balance

$

155,600

 

$

63,900

 

$

219,500

 

Provision for credit losses

 

45,873

 

 

23,133

 

 

69,006

 

Credit losses

 

(43,271

)

 

(26,991

)

 

(70,262

)

Recoveries

 

3,798

 

 

1,958

 

 

5,756

 

Ending balance

$

162,000

 

$

62,000

 

$

224,000

 

Net finance receivables

$

1,659,685

 

$

488,568

 

$

2,148,253

 

Allowance as percentage of net finance receivables

 

9.8

%

 

12.7

%

 

10.4

%

 

 

As of and For the Three Months Ended June 30, 2025

 

Dollars in thousands

Large

 

Small

 

Total

 

Beginning balance

$

134,411

 

$

64,689

 

$

199,100

 

Provision for credit losses

 

36,068

 

 

24,519

 

 

60,587

 

Credit losses

 

(34,640

)

 

(25,888

)

 

(60,528

)

Recoveries

 

2,271

 

 

1,370

 

 

3,641

 

Ending balance

$

138,110

 

$

64,690

 

$

202,800

 

Net finance receivables

$

1,413,367

 

$

546,997

 

$

1,960,364

 

Allowance as percentage of net finance receivables

 

9.8

%

 

11.8

%

 

10.3

%

 

 

As of and For the Six Months Ended June 30, 2026

 

Dollars in thousands

Large

 

Small

 

Total

 

Beginning balance

$

152,300

 

$

68,600

 

$

220,900

 

Provision for credit losses

 

88,021

 

 

45,853

 

 

133,874

 

Credit losses

 

(85,213

)

 

(56,210

)

 

(141,423

)

Recoveries

 

6,892

 

 

3,757

 

 

10,649

 

Ending balance

$

162,000

 

$

62,000

 

$

224,000

 

Net finance receivables

$

1,659,685

 

$

488,568

 

$

2,148,253

 

Allowance as percentage of net finance receivables

 

9.8

%

 

12.7

%

 

10.4

%

 

 

As of and For the Six Months Ended June 30, 2025

 

Dollars in thousands

Large

 

Small

 

Total

 

Beginning balance

$

133,506

 

$

65,994

 

$

199,500

 

Provision for credit losses

 

70,689

 

 

47,890

 

 

118,579

 

Credit losses

 

(70,395

)

 

(51,842

)

 

(122,237

)

Recoveries

 

4,310

 

 

2,648

 

 

6,958

 

Ending balance

$

138,110

 

$

64,690

 

$

202,800

 

Net finance receivables

$

1,413,367

 

$

546,997

 

$

1,960,364

 

Allowance as percentage of net finance receivables

 

9.8

%

 

11.8

%

 

10.3

%
Modifications Made to Borrowers Experiencing Financial Difficulty The information relating to modifications made to borrowers experiencing financial difficulty and their related percentage of applicable net finance receivables for the periods indicated are as follows:

 

 

 

As of and for the Three Months Ended June 30, 2026

 

 

 

Large

 

 

Small

 

 

Total

 

Dollars in thousands

 

$

 

%

 

 

$

 

%

 

 

$

 

%

 

Interest rate reduction

 

$

5,446

 

 

0.4

%

 

$

1,386

 

 

0.3

%

 

$

6,832

 

 

0.3

%

Interest rate reduction & term extension

 

 

1,412

 

 

0.1

%

 

 

259

 

 

0.1

%

 

 

1,671

 

 

0.1

%

Term extension

 

 

682

 

 

—

 

 

 

111

 

 

—

 

 

 

793

 

 

—

 

Principal forgiveness, interest rate reduction, & term extension

 

 

125

 

 

—

 

 

 

6

 

 

—

 

 

 

131

 

 

—

 

Total

 

$

7,665

 

 

0.5

%

 

$

1,762

 

 

0.4

%

 

$

9,427

 

 

0.4

%

 

 

 

As of and for the Three Months Ended June 30, 2025

 

 

 

Large

 

 

Small

 

 

Total

 

Dollars in thousands

 

$

 

%

 

 

$

 

%

 

 

$

 

%

 

Interest rate reduction

 

$

4,484

 

 

0.3

%

 

$

1,391

 

 

0.3

%

 

$

5,875

 

 

0.3

%

Interest rate reduction & term extension

 

 

1,831

 

 

0.1

%

 

 

425

 

 

0.1

%

 

 

2,256

 

 

0.1

%

Term extension

 

 

924

 

 

0.1

%

 

 

125

 

 

—

 

 

 

1,049

 

 

0.1

%

Principal forgiveness, interest rate reduction, & term extension

 

 

242

 

 

—

 

 

 

6

 

 

—

 

 

 

248

 

 

—

 

Total

 

$

7,481

 

 

0.5

%

 

$

1,947

 

 

0.4

%

 

$

9,428

 

 

0.5

%

 

 

 

As of and for the Six Months Ended June 30, 2026

 

 

 

Large

 

 

Small

 

 

Total

 

Dollars in thousands

 

$

 

%

 

 

$

 

%

 

 

$

 

%

 

Interest rate reduction

 

$

11,123

 

 

0.7

%

 

$

3,230

 

 

0.7

%

 

$

14,353

 

 

0.7

%

Interest rate reduction & term extension

 

 

2,780

 

 

0.2

%

 

 

604

 

 

0.1

%

 

 

3,384

 

 

0.2

%

Term extension

 

 

729

 

 

—

 

 

 

159

 

 

—

 

 

 

888

 

 

—

 

Principal forgiveness, interest rate reduction, & term extension

 

 

269

 

 

—

 

 

 

15

 

 

—

 

 

 

284

 

 

—

 

Total

 

$

14,901

 

 

0.9

%

 

$

4,008

 

 

0.8

%

 

$

18,909

 

 

0.9

%

 

 

 

As of and for the Six Months Ended June 30, 2025

 

 

 

Large

 

 

Small

 

 

Total

 

Dollars in thousands

 

$

 

%

 

 

$

 

%

 

 

$

 

%

 

Interest rate reduction

 

$

9,536

 

 

0.7

%

 

$

3,134

 

 

0.6

%

 

$

12,670

 

 

0.6

%

Interest rate reduction & term extension

 

 

4,111

 

 

0.3

%

 

 

868

 

 

0.2

%

 

 

4,979

 

 

0.3

%

Term extension

 

 

1,008

 

 

0.1

%

 

 

187

 

 

—

 

 

 

1,195

 

 

0.1

%

Principal forgiveness, interest rate reduction, & term extension

 

 

406

 

 

—

 

 

 

16

 

 

—

 

 

 

422

 

 

—

 

Total

 

$

15,061

 

 

1.1

%

 

$

4,205

 

 

0.8

%

 

$

19,266

 

 

1.0

%
Summary of Financial Effects of Borrowers Experiencing Financial Difficulty

The financial effects of the modifications made to borrowers experiencing financial difficulty for the periods indicated are as follows:

 

 

 

Three Months Ended June 30, 2026

Loan Modification

 

Product

 

Financial Effect

Interest rate reduction

 

Large loans

 

Reduced the weighted-average contractual interest rate by 17.9%.

 

Small loans

 

Reduced the weighted-average contractual interest rate by 28.7%.

Term extension

 

Large loans

 

Added a weighted-average 1.3 years to the life of loans.

 

Small loans

 

Added a weighted-average 1.3 years to the life of loans.

Principal forgiveness

 

Large loans

 

Reduced the amortized cost basis of the loans by $0.2 million.

 

Small loans

 

Reduced the amortized cost basis of the loans by $0.1 million.

 

 

 

 

Three Months Ended June 30, 2025

Loan Modification

 

Product

 

Financial Effect

Interest rate reduction

 

Large loans

 

Reduced the weighted-average contractual interest rate by 18.4%.

 

Small loans

 

Reduced the weighted-average contractual interest rate by 28.8%.

Term extension

 

Large loans

 

Added a weighted-average 1.3 years to the life of loans.

 

Small loans

 

Added a weighted-average 1.3 years to the life of loans.

Principal forgiveness

 

Large loans

 

Reduced the amortized cost basis of the loans by $0.3 million.

 

Small loans

 

Reduced the amortized cost basis of the loans by $0.1 million.

 

 

 

Six Months Ended June 30, 2026

Loan Modification

 

Product

 

Financial Effect

Interest rate reduction

 

Large loans

 

Reduced the weighted-average contractual interest rate by 18.0%.

 

Small loans

 

Reduced the weighted-average contractual interest rate by 28.6%.

Term extension

 

Large loans

 

Added a weighted-average 1.4 years to the life of loans.

 

Small loans

 

Added a weighted-average 1.3 years to the life of loans.

Principal forgiveness

 

Large loans

 

Reduced the amortized cost basis of the loans by $0.6 million.

 

Small loans

 

Reduced the amortized cost basis of the loans by $0.3 million.

 

 

 

Six Months Ended June 30, 2025

Loan Modification

 

Product

 

Financial Effect

Interest rate reduction

 

Large loans

 

Reduced the weighted-average contractual interest rate by 18.4%.

 

Small loans

 

Reduced the weighted-average contractual interest rate by 29.3%.

Term extension

 

Large loans

 

Added a weighted-average 1.4 years to the life of loans.

 

Small loans

 

Added a weighted-average 1.3 years to the life of loans.

Principal forgiveness

 

Large loans

 

Reduced the amortized cost basis of the loans by $0.6 million.

 

Small loans

 

Reduced the amortized cost basis of the loans by $0.2 million.
Summary of Amortized Cost Basis for Modifications Made to Borrowers Experiencing Financial Difficulty Subsequently Defaulted

The following tables provide the amortized cost basis for modifications made to borrowers experiencing financial difficulty within the previous twelve months that subsequently defaulted. The Company defines payment default as 90 days past due for this disclosure. The respective amounts for each modification for the periods indicated are as follows:

 

 

 

As of and for the Three Months Ended June 30, 2026

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Interest rate reduction

 

$

3,186

 

 

$

1,148

 

 

$

4,334

 

Interest rate reduction & term extension

 

 

560

 

 

 

103

 

 

 

663

 

Term extension

 

 

88

 

 

 

18

 

 

 

106

 

Principal forgiveness, interest rate reduction, & term extension

 

 

60

 

 

 

9

 

 

 

69

 

Total

 

$

3,894

 

 

$

1,278

 

 

$

5,172

 

 

 

 

As of and for the Three Months Ended June 30, 2025

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Interest rate reduction

 

$

1,924

 

 

$

852

 

 

$

2,776

 

Interest rate reduction & term extension

 

 

678

 

 

 

152

 

 

 

830

 

Term extension

 

 

68

 

 

 

18

 

 

 

86

 

Principal forgiveness, interest rate reduction, & term extension

 

 

63

 

 

 

—

 

 

 

63

 

Total

 

$

2,733

 

 

$

1,022

 

 

$

3,755

 

 

 

 

 

As of and for the Six Months Ended June 30, 2026

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Interest rate reduction

 

$

4,502

 

 

$

1,547

 

 

$

6,049

 

Interest rate reduction & term extension

 

 

709

 

 

 

138

 

 

 

847

 

Term extension

 

 

97

 

 

 

21

 

 

 

118

 

Principal forgiveness, interest rate reduction, & term extension

 

 

72

 

 

 

9

 

 

 

81

 

Total

 

$

5,380

 

 

$

1,715

 

 

$

7,095

 

 

 

 

As of and for the Six Months Ended June 30, 2025

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Interest rate reduction

 

$

2,396

 

 

$

977

 

 

$

3,373

 

Interest rate reduction & term extension

 

 

863

 

 

 

176

 

 

 

1,039

 

Term extension

 

 

106

 

 

 

24

 

 

 

130

 

Principal forgiveness, interest rate reduction, & term extension

 

 

81

 

 

 

—

 

 

 

81

 

Total

 

$

3,446

 

 

$

1,177

 

 

$

4,623

 
Summary of Contractual Delinquencies of Loans

The contractual delinquencies of loans that were modified to borrowers experiencing financial difficulty within the previous twelve months for the periods indicated are as follows:

 

 

 

June 30, 2026

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Current

 

$

18,247

 

 

$

4,274

 

 

$

22,521

 

30 - 89 days past due

 

 

3,432

 

 

 

1,063

 

 

 

4,495

 

90+ days past due

 

 

2,513

 

 

 

944

 

 

 

3,457

 

Total (1)

 

$

24,192

 

 

$

6,281

 

 

$

30,473

 

(1) Excludes modified finance receivables that subsequently charged off of $3.5 million and $1.2 million in large and small loans, respectively.

 

 

June 30, 2025

 

Dollars in thousands

 

Large

 

 

Small

 

 

Total

 

Current

 

$

16,807

 

 

$

3,944

 

 

$

20,751

 

30 - 89 days past due

 

 

3,035

 

 

 

1,084

 

 

 

4,119

 

90+ days past due

 

 

1,845

 

 

 

823

 

 

 

2,668

 

Total (1)

 

$

21,687

 

 

$

5,851

 

 

$

27,538

 

(1) Excludes modified finance receivables that subsequently charged off of $2.4 million and $0.8 million in large and small loans, respectively.