CONSOLIDATED STATEMENTS OF INCOME (LOSS) - UNAUDITED - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Operating revenues:
Total operating revenues	$ 19,858	$ 22,841	$ 67,913	$ 69,444
Operating expenses:
Technology, communication, and processing	7,731	5,082	21,944	21,903
Salaries and employee benefits	10,773	9,137	30,656	27,253
Professional services	2,454	3,496	7,225	7,359
Provision for operating losses	1,564	1,067	5,006	3,797
Occupancy	160	192	875	866
Customer related supplies	225	828	676	1,475
Advertising and promotion	242	176	461	492
Merger and acquisition related	0	0	290	0
Other expense	989	614	2,467	1,537
Total operating expenses	24,138	20,592	69,600	64,682
Income (loss) from operations	(4,280)	2,249	(1,687)	4,762
Non-operating expenses:
Gain (loss) on fair value of private warrant liability	(1,369)	6,042	6,916	17,989
Interest expense	0	0	0	(96)
Income (loss) before income tax expense (benefit)	(5,649)	8,291	5,229	22,655
Income tax expense (benefit)	(729)	1,167	1,823	4,262
Net income (loss)	$ (4,920)	$ 7,124	$ 3,406	$ 18,393
Weighted average number of shares outstanding - basic (in shares)	11,938	11,900	11,944	11,834
Weighted average number of shares outstanding - diluted (in shares)	11,938	11,904	12,215	12,359
Net income (loss) per share - basic (in dollars per share)	$ (0.41)	$ 0.60	$ 0.29	$ 1.55
Net income (loss) per share - diluted (in dollars per share)	$ (0.41)	$ 0.60	$ 0.28	$ 0.03
Interchange and card revenue
Operating revenues:
Total operating revenues	$ 5,325	$ 6,529	$ 17,283	$ 21,530
Servicing fees from Partner Bank
Operating revenues:
Total operating revenues	10,163	11,823	37,650	31,774
Account fees
Operating revenues:
Total operating revenues	2,110	2,569	6,872	7,847
University fees
Operating revenues:
Total operating revenues	1,357	1,474	4,406	4,129
Other revenue
Operating revenues:
Total operating revenues	$ 903	$ 446	$ 1,702	$ 4,164