Summary of Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2026

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended
	March 31,
	2026		2025
	(In thousands)
Origination and servicing fees from third party receivables	$	1,287	$	1,431
Dealer recoveries		2,319		–
Other		7		10
Other income for the period	$	3,613	$	1,441

Schedule of supplemental balance sheet information related to leases

	2026			2025
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	53,225		$	53,225
Less: Accumulated amortization right-of-use assets		(37,461	)		(36,281	)
Operating lease right-of-use assets, net	$	15,764		$	16,944
Operating lease liabilities	$	(18,012	)	$	(19,236	)
Finance Leases
Property and equipment, at cost	$	4,589		$	4,097
Less: Accumulated depreciation		(3,777	)		(3,684	)
Property and equipment, net	$	812		$	413
Finance lease liabilities	$	(832	)	$	(428	)
Weighted Average Discount Rate
Operating lease		5.0%			5.0%
Finance lease		6.6%			6.4%

Schedule of maturities of lease liabilities

(In thousands)	Operating			Finance
Year Ending December 31,	Lease			Lease
2026 (excluding the three months ended March 31, 2026)	$	4,219		$	310
2027		5,756			355
2028		5,937			234
2029		4,331			10
2030		1,171			–
2031.		719			–
Thereafter		50			–
Total undiscounted lease payments		22,183			909
Less amounts representing interest		(4,171	)		(77	)
Lease Liability	$	18,012		$	832

Schedule of lease cost

	Three Months Ended
	March 31,
	2026		2025
	(In thousands)
Operating lease cost	$	1,320	$	1,311
Finance lease cost		104		55
Total lease cost	$	1,424	$	1,366

Schedule of supplemental cash flow information related to leases

	Three Months Ended
	March 31,
	2026		2025
Cash paid for amounts included in the measurement of lease liabilities:	(In thousands)
Operating cash flows from operating leases	$	1,320	$	1,311
Operating cash flows from finance leases		88		47
Financing cash flows from finance leases		16		8

Schedule of stock option activity

					Weighted
	Number of		Weighted		Average
	Shares		Average		Remaining
	(in thousands)		Exercise Price		Contractual Term
Options outstanding at the beginning of period		6,123	$	6.41	N/A
Granted		–		–	N/A
Exercised		–		–	N/A
Forfeited		–		–	N/A
Options outstanding at the end of period		6,123	$	6.41	2.97 years
Options exercisable at the end of period		4,535	$	5.71	1.86 years

Schedule of price distribution of stock options outstanding and exercisable

	Number of shares as of				Number of shares as of
	March 31, 2026				December 31, 2025
	Outstanding		Exercisable		Outstanding		Exercisable
Range of exercise prices:	(In thousands)				(In thousands)
$2.00 - $2.99		1,098		1,098		1,098		1,098
$3.00 - $3.99		897		897		897		897
$4.00 - $4.99		1,145		1,145		1,145		1,145
$8.00 - $8.99		1,430		–		1,430		–
$10.00 - $10.99		1,553		1,395		1,613		1,253
Total shares		6,123		4,535		6,123		4,393

Schedule of purchase of our common stock

	Three Months Ended
	March 31, 2026				March 31, 2025
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		126,622	$	8.57		–		–
Shares redeemed upon net exercise of stock options		–		–		–		–
Other		20,000		7.53		–		–
Total stock purchases		146,622	$	8.43		–		–