CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	May 31, 2026	May 31, 2025	May 31, 2024
Cash flows from operating activities:
Net income	$ 262,736	$ 140,014	$ 554,316
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of deferred loan fees	(2,629)	(2,978)	(6,463)
Amortization of debt issuance costs and discounts	36,273	33,862	29,827
Amortization of guarantee fees	18,503	19,584	20,679
Depreciation and amortization	13,966	12,615	10,469
Benefit for credit losses	(10,362)	(8,111)	(5,516)
Unrealized gains on equity and debt securities	(1,006)	(8,241)	(16,461)
Derivative forward value (gains) losses	(18,213)	105,070	(264,871)
Advances on loans held for sale	(653,032)	(442,700)	(326,500)
Proceeds from sales of loans held for sale	670,732	424,000	324,000
Changes in operating assets and liabilities:
Accrued interest receivable	5,270	(79,975)	(17,524)
Accrued interest payable	13,589	31,545	51,032
Deferred income	981	1,218	1,218
Other	(26,280)	(18,369)	(33,583)
Net cash provided by operating activities	310,528	207,534	320,623
Cash flows from investing activities:
Advances on loans held for investment, net	(1,357,873)	(2,516,664)	(2,005,187)
Investments in fixed assets, net	(1,763)	(4,697)	(6,154)
Proceeds from sales and maturities of trading securities	83,878	173,997	202,903
Proceeds from redemption of equity securities	0	25,000	0
Principal payments received under sales-type leases	968	574	167
Cash impact of VIE deconsolidation	0	0	(10,341)
Net cash used in investing activities	(1,274,790)	(2,321,790)	(1,818,612)
Cash flows from financing activities:
Proceeds from (repayments of) short-term borrowings ≤ 90 days, net	210,451	1,322,246	(536,592)
Proceeds from short-term borrowings with original maturity > 90 days	2,066,051	2,174,997	3,062,591
Repayments of short-term borrowings with original maturity > 90 days	(2,208,147)	(2,738,517)	(2,739,584)
Payments for issuance costs for revolving bank lines of credit	(5,910)	(5,737)	(2,612)
Proceeds from issuance of long-term debt, net of discount and issuance costs	4,783,962	4,044,549	4,520,730
Payments for retirement of long-term debt	(3,632,491)	(2,810,566)	(2,591,494)
Payments for issuance costs for subordinated deferrable debt	(4,083)	(1,387)	(1,165)
Proceeds from issuance of subordinated deferrable debt	629,381	43,811	103,500
Payments for retirement of subordinated deferrable debt	(650,236)	0	(100,000)
Proceeds from issuance of members’ subordinated certificates	1,146	12	103
Payments for retirement of members’ subordinated certificates	(57,620)	(12,949)	(25,579)
Payments for retirement of patronage capital	(52,978)	(46,846)	(110,202)
Additions (repayments) for membership fees, net	4	0	(436)
Repayment of finance leases	(972)	(576)	(167)
Net cash provided by financing activities	1,078,558	1,969,037	1,579,093
Net increase (decrease) in cash, cash equivalents and restricted cash	114,296	(145,219)	81,104
Beginning cash, cash equivalents and restricted cash	143,122	288,341	207,237
Ending cash, cash equivalents and restricted cash	257,418	143,122	288,341
Supplemental disclosure of cash flow information:
Cash paid for interest	1,438,720	1,373,281	1,261,683
Cash paid for income taxes	771	680	578
Noncash investing and financing activities:
Finance lease ROU assets obtained in exchange for lease obligations	1,107	4,870	2,575
Recognition of net investment in lease through exchange of lease ROU assets	1,107	4,870	2,575
Derecognition of lease ROU assets	$ (1,107)	$ (4,870)	$ (2,575)