Note 6 - Credit Assets, Net of Allowance for Credit Losses (Tables)

12 Months Ended

Oct. 31, 2025

Statement Line Items [Line Items]

Disclosure of loans, net [text block]

(thousands of Canadian dollars)
	2025			2024
Receivable purchase program	$	4,043,007		$	3,307,328
Multi-family residential loans and other		1,007,232			910,314
		5,050,239			4,217,642
Allowance for credit losses		(7,279	)		(3,303	)
Accrued interest		23,418			21,777
Total credit assets, net of allowance for credit losses	$	5,066,378		$	4,236,116

Disclosure of loans by lending asset category [text block]

	As at October 31, 2025
(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total
Receivable purchase program	$	4,017,931		$	17,516		$	7,560		$	4,043,007
ECL allowance		3,187			72			2,172			5,431
EL %		0.08	%		0.41	%		28.73	%		0.13	%
Multi-family residential loans and other	$	854,692		$	113,227		$	39,313		$	1,007,232
ECL allowance		1,493			354			1			1,848
EL %		0.17	%		0.31	%		0.00	%		0.18	%
Total credit assets	$	4,872,623		$	130,743		$	46,873		$	5,050,239
Total ECL allowance		4,679			426			2,174			7,279
Total EL %		0.10	%		0.33	%		4.64	%		0.14	%

	As at October 31, 2024
(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total
Receivable purchase program	$	3,294,675		$	12,653		$	-		$	3,307,328
ECL allowance		783			-			-			783
EL %		0.02	%		0.00	%		0.00	%		0.02	%
Multi-family residential loans and other	$	737,125		$	173,121		$	68		$	910,314
ECL allowance		2,213			306			1			2,520
EL %		0.30	%		0.18	%		1.47	%		0.28	%
Total credit assets	$	4,031,800		$	185,774		$	68		$	4,217,642
Total ECL allowance		2,996			306			1			3,303
Total EL %		0.07	%		0.16	%		1.47	%		0.08	%

Disclosure of sensitivity analysis of fair value measurement to changes in unobservable inputs, assets [text block]

(thousands of Canadian dollars)
	Reported		100%			100%			100%
	ECL
			Upside			Baseline			Downside
Allowance for expected credit losses	$	7,279	$	6,742		$	7,198		$	7,932
Provision (recovery) from reported ECL				(537	)		(80	)		653
Variance from reported ECL (%)				(7	%)		(1	%)		9	%

Disclosure of Reconciliation of changes in allowance account for credit losses of financial assets [text block]

(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total
Receivable purchase program
Balance at beginning of period	$	783		$	-		$	-		$	783
Transfer in (out) to Stage 1		-			-			-			-
Transfer in (out) to Stage 2		-			-			-			-
Transfer in (out) to Stage 3		-			-			-			-
Net remeasurement of loss allowance		2,403			72			2,172			4,648
Credit asset originations		-			-			-			-
Derecognitions and maturities		-			-			-			-
Provision for (recovery of) credit losses		2,403			72			2,172			4,648
Write-offs		-			-			-			-
Recoveries		-			-			-			-
Balance at end of period	$	3,187		$	72		$	2,172		$	5,431
Multi-family residential loans and other
Balance at beginning of period	$	2,213		$	306		$	1		$	2,520
Transfer in (out) to Stage 1		(760	)		760			-			-
Transfer in (out) to Stage 2		508			(508	)		-			-
Transfer in (out) to Stage 3		(2	)		(170	)		172			-
Net remeasurement of loss allowance		(526	)		545			(170	)		(152	)
Credit asset originations		613			137			-			751
Derecognitions and maturities		(129	)		(705	)		-			(834	)
Provision for (recovery of) credit losses		(295	)		59			1			(235	)
Write-offs		(442	)		-			-			(442	)
Recoveries		-			-			-			-
FX Impact		18			(12	)		(0	)		6
Balance at end of period	$	1,493		$	354		$	2		$	1,848
Total balance at end of period	$	4,679		$	426		$	2,174		$	7,279

(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3		Total
Receivable purchase program
Balance at beginning of period	$	100		$	-		$	-	$	100
Transfer in (out) to Stage 1		56			(56	)		-		-
Transfer in (out) to Stage 2		(124	)		124			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		751			(68	)		-		683
Credit asset originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		683			-			-		683
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	783		$	-		$	-	$	783
Multi-family residential loans and other
Balance at beginning of period	$	1,845		$	568		$	-	$	2,413
Transfer in (out) to Stage 1		484			(484	)		-		-
Transfer in (out) to Stage 2		(534	)		534			-		-
Transfer in (out) to Stage 3		(1	)		-			1		-
Net remeasurement of loss allowance		(556	)		(235	)		-		(791	)
Credit asset originations		146			12			-		158
Derecognitions and maturities		(229	)		(89	)		-		(318	)
Provision for (recovery of) credit losses		(690	)		(262	)		1		(951	)
Write-offs		(4	)		-			-		(4	)
Recoveries		-			-			-		-
Acquired Credit Assets		1,032			-			-		-
FX Impact		30			-			-		1,032
Balance at end of period	$	2,213		$	306		$	1	$	2,520
Total balance at end of period	$	2,996		$	306		$	-	$	3,303

Disclosure for maturity analysis of loans, net of allowance [text block]

(thousands of Canadian dollars)
				Within			3 months to			1 year to			2 years to			Over			2025			2024
	Floating			3 months			1 year			2 years			5 years			5 years			Total			Total
Total credit assets	$	819,260		$	86,239		$	336,196		$	417,528		$	2,797,605		$	593,411		$	5,050,239		$	4,217,642
Average effective yield		6.42	%		5.86	%		5.29	%		5.74	%		5.85	%		6.38	%		5.96	%		6.56	%