CONSUMER LOANS RECEIVABLE (Tables) - Consumer
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6 Months Ended |
Jun. 30, 2026 |
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| Receivables |
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| 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 |
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| 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 |
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| 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 |
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| 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% |
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