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  "documentTitle": "Pathward Financial | Results Presentation Deck | 34 slides",
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  "presentationDate": "2023-04-01 00:00:00",
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  "notes": "Includes three combo charts (bar + line) and a summary list of key credit metrics.",
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      "text": "Adjusted Net Charge-Offs (NCOs)",
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      "text": "KEY CREDIT METRICS: Annualized adjusted net charge-offs, Allowance for credit loss, Decrease in NPAs/NPLs drivers.",
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      "text": "Non-GAAP financial measures, see appendix for reconciliations. Tax services NCOs and related seasonal average loans are excluded to adjust for the cyclicality of activity related to the overall economics of the tax services business line.",
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