UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and cash equivalents	$ 6,944	$ 6,322
Restricted cash and equivalents	178,469	165,885
Finance receivables measured at fair value	3,835,789	3,655,855
Furniture and equipment, net	1,342	771
Deferred tax assets, net	16	16
Other assets	30,239	29,344
Total assets	4,052,799	3,858,193
Liabilities
Accounts payable and accrued expenses	70,261	65,244
Warehouse lines of credit	467,138	324,871
Residual interest financing	181,383	142,982
Securitization trust debt	2,992,157	2,986,574
Subordinated renewable notes	27,508	28,986
Total liabilities	3,738,447	3,548,657
COMMITMENTS AND CONTINGENCIES
Shareholders’ Equity
Common stock, no par value; authorized 75,000,000 shares; 21,695,835 and 21,842,457 shares issued and outstanding at March 31, 2026 and December 31, 2025, respectively	23,703	24,426
Retained earnings	291,924	286,385
Accumulated other comprehensive loss	(1,275)	(1,275)
Total shareholders’ equity	314,352	309,536
Total liabilities and shareholders’ equity	4,052,799	3,858,193
Preferred Stock [Member]
Shareholders’ Equity
Preferred stock, value	0	0
Series A Preferred Stock [Member]
Shareholders’ Equity
Preferred stock, value	0	0
Series B Preferred Stock [Member]
Shareholders’ Equity
Preferred stock, value	$ 0	$ 0