Reported a net income of $25.2 million for the year ended December 31, 2025, a significant improvement from a net loss of $78.7 million in 2024. Total revenue decreased by 4.5% to $956.7 million in 2025 from $1,001.8 million in 2024, primarily due to a decline in Average Daily Principal Balance and Portfolio Yield. Aggregate Originations increased by 10.2% to $1.96 billion in 2025 from $1.78 billion in 2024, driven by returning member originations, expansion of Secured Personal Loans (SPL), and referral-driven originations. Operating expenses decreased by 11.8% to $361.8 million in 2025 from $410.4 million in 2024, reflecting workforce optimization and streamlining measures. The Annualized Net Charge-Off Rate remained flat at 12.0% for both 2025 and 2024. The 30+ Day Delinquency Rate increased by 13 basis points to 4.9% as of December 31, 2025, from 4.8% as of December 31, 2024, mainly due to a higher proportion of originations to new members in the first half of 2025. The company relies on Pathward N.A. for a substantial portion of its loan originations, accounting for approximately 98% in 2025 and 92% in 2024. The Set & Save product has helped members save over $12.5 billion since 2015, with an average of $1,800 in individual savings per member per year in 2025, and was ranked the #1 Savings App by Bankrate in 2025.