XML 42 R32.htm IDEA: XBRL DOCUMENT v3.25.4
Consumer Loans Receivable (Tables)
9 Months Ended
Dec. 27, 2025
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable
The following table summarizes consumer loans receivable (in thousands):
December 27,
2025
March 29,
2025
Loans held for investment, previously securitized$11,392 $13,775 
Loans held for investment14,955 12,196 
Loans held for sale33,390 27,981 
Construction advances2,811 4,210 
62,548 58,162 
Deferred financing fees and other, net(1,780)(686)
Allowance for loan losses(1,985)(939)
58,783 56,537 
Less current portion(38,679)(35,852)
$20,104 $20,685 
Commercial loans receivable, net consisted of the following (in thousands):
December 27,
2025
March 29,
2025
Loans receivable (including from affiliates)$106,811 $100,297 
Allowance for loan losses (375)(361)
Deferred financing fees, net(206)(190)
106,230 99,746 
Less current portion of commercial loans receivable (including from affiliates), net(47,674)(46,373)
$58,556 $53,373 
Schedule of Consumer Loans Held for Investment Characteristics
The consumer loans held for investment had the following characteristics:
December 27,
2025
March 29,
2025
Weighted average contractual interest rate7.7 %7.9 %
Weighted average effective interest rate7.6 %10.3 %
Weighted average months to maturity236221
Schedule of Delinquency Status of Consumer Loans
The following table is a consolidated summary of the delinquency status of the outstanding principal balance of consumer loans receivable (in thousands):
December 27,
2025
March 29,
2025
Current$59,408 $56,401 
31 to 60 days1,659 1,082 
61 to 90 days333 
91+ days1,148 675 
$62,548 $58,162 
Schedule of Financing Receivable Credit Quality Indicators
The following table disaggregates the outstanding principal balance of consumer loans receivable by credit quality indicator and fiscal year of origination (in thousands):
December 27, 2025
20262025202420232022PriorTotal
Prime- FICO score 680 and greater
$18,517 $7,503 $4,463 $319 $89 $12,297 $43,188 
Near Prime- FICO score 620-679
2,893 1,630 619 — — 8,671 13,813 
Sub-Prime- FICO score less than 620
— — — — — 569 569 
No FICO score
172 281 202 957 1,247 2,119 4,978 
$21,582 $9,414 $5,284 $1,276 $1,336 $23,656 $62,548 
March 29, 2025
20252024202320222021PriorTotal
Prime- FICO score 680 and greater
$18,133 $9,209 $323 $92 $761 $13,197 $41,715 
Near Prime- FICO score 620-679
2,948 1,210 — — 1,026 9,000 14,184 
Sub-Prime- FICO score less than 620
537 — — — 17 680 1,234 
No FICO score
317 441 — — — 271 1,029 
$21,935 $10,860 $323 $92 $1,804 $23,148 $58,162 
The following table disaggregates the outstanding principal balance of our commercial loans receivable by fiscal year of origination (in thousands):
December 27, 2025
20262025202420232022PriorTotal
Performing
$62,873 $27,832 $13,632 $1,947 $339 $188 $106,811 
March 29, 2025
20252024202320222021PriorTotal
Performing
$66,843 $24,215 $7,006 $1,014 $1,219 $— $100,297