March 2015 - monthly update

Net annualized return: 12.18%
Lending Club average net annualized return: 8.88%

My charged-off rate: 3.25%
Lending Club default rate: 3.50%

My late rate, including defaults: 1.16%
Lending Club late rate: 1.22%

February 2015 - monthly update

Net annualized return: 12.15%
Lending Club average net annualized return: 8.80%

My charged-off rate: 3.08%
Lending Club default rate: 3.27%

My late rate, including defaults: 1.06%
Lending Club late rate: 1.27%

January 2015 - monthly update

Net annualized return: 12.17%
Lending Club average net annualized return: 8.78%

My charged-off rate: 3.03%
Lending Club default rate: 3.62%

My late rate, including defaults: 1.58%
Lending Club late rate: 1.41%

Note, another change to LendingClub's stats has made me change how I calculate my default and late rates. I now calculate it using the total number of dollars invested vs lost instead of the number of notes. This means much more accurate, and lower, numbers.

December 2014 - monthly update

Net annualized return: 12.09%
Lending Club average net annualized return: 8.85%

My charged-off rate: 2.89%
Lending Club default rate: 3.34%

My late rate, including defaults: 0.98%
Lending Club late rate: 1.33%

Note, another change to LendingClub's stats has made me change how I calculate my default and late rates. I now calculate it using the total number of dollars invested vs lost instead of the number of notes. This means much more accurate, and lower, numbers.

November 2014 - monthly update

Net annualized return: 12.18%
Lending Club average net annualized return: 8.95%

My default rate: 4.83%
Lending Club default rate: 4.39%

My late rate: 1.41%
Lending Club late rate: 1.72%

Note, LendingClub changed their statistics page such that my spreadsheet does not work anymore. The LC average net annualized return is now more accurate (and much lower) than what I originally reported for them.

monthly update

Net annualized return: 11.97%
Lending Club average net annualized return: 10.14%

My default rate: 4.74%
Lending Club default rate: 5.24%

My late rate: 1.40%
Lending Club late rate: 1.81%

monthly update

Net annualized return: 11.63%
Lending Club average net annualized return: 10.27%

My default rate: 4.92%
Lending Club default rate: 4.57%

My late rate: 1.23%
Lending Club late rate: 1.69%