XML 63 R52.htm IDEA: XBRL DOCUMENT v3.22.1
Allowance for Credit Losses - Recorded Investments (Details) - USD ($)
$ in Thousands
Feb. 28, 2022
Nov. 30, 2021
May 31, 2021
Feb. 28, 2021
Nov. 30, 2020
May 31, 2020
Allowance components:            
Collective allowance $ 32,872   $ 42,442      
Asset-specific allowance 40,514   43,090      
Total allowance for credit losses 73,386 $ 86,135 85,532 $ 92,012 $ 58,989 $ 53,125
Loans outstanding:            
Collectively evaluated loans 29,291,800   28,167,639      
Individually evaluated loans 216,563   247,468      
Total $ 29,508,363   $ 28,415,107 28,315,671    
Financing receivable, allowance for credit loss to outstanding 0.25%   0.30%      
Deferred loan origination costs $ 12,018     11,810    
Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.11%   0.15%      
Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 18.71%   17.41%      
Parent Company            
Allowance components:            
Collective allowance $ 29,917   $ 39,921      
Asset-specific allowance 40,259   39,542      
Total allowance for credit losses 70,176 82,923 79,463 83,844 54,409 47,438
Loans outstanding:            
Collectively evaluated loans 28,108,130   27,054,165      
Individually evaluated loans 212,346   233,691      
Total $ 28,320,476   $ 27,287,856      
Financing receivable, allowance for credit loss to outstanding 0.25%   0.29%      
Deferred loan origination costs $ 12,000   $ 12,000      
Parent Company | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.11%   0.15%      
Parent Company | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 18.96%   16.92%      
Parent Company | Distribution            
Allowance components:            
Collective allowance $ 16,385   $ 13,426      
Asset-specific allowance 0   0      
Total allowance for credit losses 16,385 16,032 13,426 15,237 13,215 8,002
Loans outstanding:            
Collectively evaluated loans 23,220,659   22,022,044      
Individually evaluated loans 5,092   5,379      
Total $ 23,225,751   $ 22,027,423      
Financing receivable, allowance for credit loss to outstanding 0.07%   0.06%      
Parent Company | Distribution | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.07%   0.06%      
Parent Company | Distribution | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.00%   0.00%      
Parent Company | Power supply            
Allowance components:            
Collective allowance $ 12,219   $ 25,104      
Asset-specific allowance 40,259   39,542      
Total allowance for credit losses 52,478 65,467 64,646 67,162 39,781 38,027
Loans outstanding:            
Collectively evaluated loans 4,784,819   4,926,000      
Individually evaluated loans 207,254   228,312      
Total $ 4,992,073   $ 5,154,312      
Financing receivable, allowance for credit loss to outstanding 1.05%   1.25%      
Parent Company | Power supply | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.26%   0.51%      
Parent Company | Power supply | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 19.42%   17.32%      
Parent Company | Statewide and associate            
Allowance components:            
Collective allowance $ 1,313   $ 1,391      
Asset-specific allowance 0   0      
Total allowance for credit losses 1,313 1,424 1,391 1,445 1,413 1,409
Loans outstanding:            
Collectively evaluated loans 102,652   106,121      
Individually evaluated loans 0   0      
Total $ 102,652   $ 106,121      
Financing receivable, allowance for credit loss to outstanding 1.28%   1.31%      
Parent Company | Statewide and associate | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 1.28%   1.31%      
Parent Company | Statewide and associate | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.00%   0.00%      
NCSC            
Allowance components:            
Collective allowance $ 1,729   $ 1,374      
Asset-specific allowance 0   0      
Total allowance for credit losses 1,729 1,594 1,374 1,657 1,341 806
Loans outstanding:            
Collectively evaluated loans 730,147   706,868      
Individually evaluated loans 0   0      
Total $ 730,147   $ 706,868      
Financing receivable, allowance for credit loss to outstanding 0.24%   0.19%      
NCSC | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.24%   0.19%      
NCSC | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.00%   0.00%      
RTFC            
Allowance components:            
Collective allowance $ 1,226   $ 1,147      
Asset-specific allowance 255   3,548      
Total allowance for credit losses 1,481 $ 1,618 4,695 $ 6,511 $ 3,239 $ 4,881
Loans outstanding:            
Collectively evaluated loans 453,523   406,606      
Individually evaluated loans 4,217   13,777      
Total $ 457,740   $ 420,383      
Financing receivable, allowance for credit loss to outstanding 0.32%   1.12%      
RTFC | Collective allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 0.27%   0.28%      
RTFC | Asset-specific allowance            
Loans outstanding:            
Financing receivable, allowance for credit loss to outstanding 6.05%   25.75%