XML 46 R36.htm IDEA: XBRL DOCUMENT v3.22.4
LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Summary of Past Due Receivables) (Details) - USD ($)
3 Months Ended 9 Months Ended
Dec. 31, 2022
Dec. 31, 2022
Mar. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 1,553,984,727 $ 1,553,984,727 $ 1,522,788,860
Unearned interest, insurance and fees (5,600,000) (5,600,000) (6,900,000)
Charge offs 11,400,000 11,400,000  
Proceeds from prior write offs, prior periods   8,400,000  
Proceeds from prior write offs, current period 3,000,000    
Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 20,405 20,405 5,823,320
30 - 60 days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 110,657,069 110,657,069 198,740,475
30 - 60 days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 162,246,317 162,246,317 133,665,566
30 - 60 days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 155,283,336 155,283,336 204,940,323
30 - 60 days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 259,585,830 259,585,830 208,936,027
30 - 60 days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 866,191,770 866,191,770 770,683,149
Recency Basis      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 1,553,984,727 1,553,984,727 1,522,788,860
Unearned interest, insurance and fees (431,297,470) (431,297,470) (403,030,844)
Total net loans $ 1,122,687,257 $ 1,122,687,257 $ 1,119,758,016
Financing receivable, percent past due 11.10% 11.10% 10.40%
Recency Basis | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 20,405 $ 20,405 $ 5,823,320
Recency Basis | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 110,657,068 110,657,068 198,740,475
Recency Basis | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 162,246,318 162,246,318 133,665,566
Recency Basis | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 155,283,336 155,283,336 204,940,323
Recency Basis | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 259,585,830 259,585,830 208,936,027
Recency Basis | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 866,191,770 866,191,770 770,683,149
Recency Basis | Current      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 1,381,015,317 1,381,015,317 1,364,192,803
Unearned interest, insurance and fees (383,291,034) (383,291,034) (361,055,818)
Total net loans 997,724,283 997,724,283 1,003,136,985
Recency Basis | Current | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 0 0 4,744,774
Recency Basis | Current | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 82,998,807 82,998,807 145,168,588
Recency Basis | Current | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 134,510,770 134,510,770 116,065,794
Recency Basis | Current | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 131,660,006 131,660,006 183,697,553
Recency Basis | Current | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 233,507,760 233,507,760 193,820,229
Recency Basis | Current | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 798,337,974 798,337,974 720,695,865
Recency Basis | 30 - 60 days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 58,434,860 58,434,860 52,972,433
Unearned interest, insurance and fees (16,218,182) (16,218,182) (14,020,016)
Total net loans $ 42,216,678 $ 42,216,678 $ 38,952,417
Financing receivable, percent past due 3.80% 3.80% 3.50%
Recency Basis | 30 - 60 days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 0 $ 0 $ 1,062,145
Recency Basis | 30 - 60 days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 7,076,046 7,076,046 13,450,365
Recency Basis | 30 - 60 days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 8,584,660 8,584,660 5,548,699
Recency Basis | 30 - 60 days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 7,375,720 7,375,720 7,220,814
Recency Basis | 30 - 60 days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 9,554,628 9,554,628 5,951,049
Recency Basis | 30 - 60 days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 25,843,806 25,843,806 19,739,361
Recency Basis | 61 - 90 days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 39,165,220 39,165,220 37,846,916
Unearned interest, insurance and fees (10,870,030) (10,870,030) (10,016,802)
Total net loans $ 28,295,190 $ 28,295,190 $ 27,830,114
Financing receivable, percent past due 2.50% 2.50% 2.50%
Recency Basis | 61 - 90 days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 0 $ 0 $ 432
Recency Basis | 61 - 90 days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 5,952,005 5,952,005 14,196,717
Recency Basis | 61 - 90 days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,300,110 6,300,110 4,148,743
Recency Basis | 61 - 90 days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 5,497,643 5,497,643 4,903,686
Recency Basis | 61 - 90 days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,062,913 6,062,913 3,452,087
Recency Basis | 61 - 90 days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 15,352,549 15,352,549 11,145,251
Recency Basis | 91 or more days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 75,369,330 75,369,330 67,776,708
Unearned interest, insurance and fees (20,918,224) (20,918,224) (17,938,208)
Total net loans $ 54,451,106 $ 54,451,106 $ 49,838,500
Financing receivable, percent past due 4.90% 4.90% 4.50%
Recency Basis | 91 or more days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 20,405 $ 20,405 $ 15,969
Recency Basis | 91 or more days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 14,630,210 14,630,210 25,924,805
Recency Basis | 91 or more days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 12,850,778 12,850,778 7,902,330
Recency Basis | 91 or more days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 10,749,967 10,749,967 9,118,270
Recency Basis | 91 or more days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 10,460,529 10,460,529 5,712,662
Recency Basis | 91 or more days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 26,657,441 26,657,441 19,102,672
Recency Basis | Total Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 172,969,410 172,969,410 158,596,057
Unearned interest, insurance and fees (48,006,436) (48,006,436) (41,975,027)
Total net loans 124,962,974 124,962,974 116,621,030
Recency Basis | Total Past Due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 20,405 20,405 1,078,546
Recency Basis | Total Past Due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 27,658,261 27,658,261 53,571,887
Recency Basis | Total Past Due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 27,735,548 27,735,548 17,599,772
Recency Basis | Total Past Due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 23,623,330 23,623,330 21,242,770
Recency Basis | Total Past Due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 26,078,070 26,078,070 15,115,798
Recency Basis | Total Past Due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 67,853,796 67,853,796 49,987,284
Contractual basis      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 1,553,984,727 1,553,984,727 1,522,788,860
Unearned interest, insurance and fees (431,297,470) (431,297,470) (403,030,844)
Total net loans $ 1,122,687,257 $ 1,122,687,257 $ 1,119,758,016
Financing receivable, percent past due 12.90% 12.90% 12.80%
Contractual basis | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 20,405 $ 20,405 $ 5,823,320
Contractual basis | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 110,657,069 110,657,069 198,740,475
Contractual basis | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 162,246,318 162,246,318 133,665,566
Contractual basis | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 155,283,335 155,283,335 204,940,323
Contractual basis | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 259,585,830 259,585,830 208,936,027
Contractual basis | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 866,191,770 866,191,770 770,683,149
Contractual basis | Current      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 1,354,215,998 1,354,215,998 1,327,173,697
Unearned interest, insurance and fees (375,853,072) (375,853,072) (351,258,109)
Total net loans 978,362,926 978,362,926 975,915,588
Contractual basis | Current | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 0 0 4,737,742
Contractual basis | Current | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 80,387,487 80,387,487 140,570,461
Contractual basis | Current | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 131,366,771 131,366,771 112,465,841
Contractual basis | Current | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 128,007,181 128,007,181 177,565,328
Contractual basis | Current | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 229,416,636 229,416,636 188,849,569
Contractual basis | Current | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 785,037,923 785,037,923 702,984,756
Contractual basis | 30 - 60 days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 55,836,628 55,836,628 59,891,713
Unearned interest, insurance and fees (15,497,061) (15,497,061) (15,851,316)
Total net loans $ 40,339,567 $ 40,339,567 $ 44,040,397
Financing receivable, percent past due 3.60% 3.60% 3.90%
Contractual basis | 30 - 60 days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 0 $ 0 $ 1,060,329
Contractual basis | 30 - 60 days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,499,221 6,499,221 14,090,712
Contractual basis | 30 - 60 days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 8,013,659 8,013,659 6,032,347
Contractual basis | 30 - 60 days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,759,902 6,759,902 8,067,815
Contractual basis | 30 - 60 days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 9,123,648 9,123,648 6,994,891
Contractual basis | 30 - 60 days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 25,440,198 25,440,198 23,645,619
Contractual basis | 61 - 90 days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 43,447,671 43,447,671 46,645,203
Unearned interest, insurance and fees (12,058,594) (12,058,594) (12,345,412)
Total net loans $ 31,389,077 $ 31,389,077 $ 34,299,791
Financing receivable, percent past due 2.80% 2.80% 3.10%
Contractual basis | 61 - 90 days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 0 $ 0 $ 0
Contractual basis | 61 - 90 days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,107,020 6,107,020 15,380,836
Contractual basis | 61 - 90 days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,864,901 6,864,901 4,922,939
Contractual basis | 61 - 90 days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 5,969,417 5,969,417 6,273,351
Contractual basis | 61 - 90 days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 6,838,567 6,838,567 4,624,136
Contractual basis | 61 - 90 days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 17,667,766 17,667,766 15,443,941
Contractual basis | 91 or more days past due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 100,484,430 100,484,430 89,078,247
Unearned interest, insurance and fees (27,888,743) (27,888,743) (23,576,007)
Total net loans $ 72,595,687 $ 72,595,687 $ 65,502,240
Financing receivable, percent past due 6.50% 6.50% 5.80%
Contractual basis | 91 or more days past due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 20,405 $ 20,405 $ 25,249
Contractual basis | 91 or more days past due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 17,663,341 17,663,341 28,698,466
Contractual basis | 91 or more days past due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 16,000,987 16,000,987 10,244,439
Contractual basis | 91 or more days past due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 14,546,835 14,546,835 13,033,829
Contractual basis | 91 or more days past due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 14,206,979 14,206,979 8,467,431
Contractual basis | 91 or more days past due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 38,045,883 38,045,883 28,608,833
Contractual basis | Total Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 199,768,729 199,768,729 195,615,163
Unearned interest, insurance and fees (55,444,398) (55,444,398) (51,772,735)
Total net loans 144,324,331 144,324,331 143,842,428
Contractual basis | Total Past Due | Tax advance loans      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 20,405 20,405 1,085,578
Contractual basis | Total Past Due | 0 to 5 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 30,269,582 30,269,582 58,170,014
Contractual basis | Total Past Due | 6 to 17 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 30,879,547 30,879,547 21,199,725
Contractual basis | Total Past Due | 18 to 35 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 27,276,154 27,276,154 27,374,995
Contractual basis | Total Past Due | 36 to 59 months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable 30,169,194 30,169,194 20,086,458
Contractual basis | Total Past Due | 60+ months      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Gross loans receivable $ 81,153,847 $ 81,153,847 $ 67,698,393