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%

monthly update

Net annualized return: 11.23%
Lending Club average net annualized return: 10.23%

My default rate: 5.06%
Lending Club default rate: 4.22%

My late rate: 0.68%
Lending Club late rate: 1.55%

monthly update

Net annualized return: 10.87%
Lending Club average net annualized return: 10.13%

My default rate: 5.31%
Lending Club default rate: 4.76%

My late rate: 0.63%
Lending Club late rate: 1.68%

monthly update

Net annualized return: 10.70%
Lending Club average net annualized return: 10.13%

My default rate: 5.58%
Lending Club default rate: 4.43%

My late rate: 0.57%
Lending Club late rate: 1.57%

monthly update

Net annualized return: 10.43%
Lending Club average net annualized return: 10.28%

My default rate: 5.52%
Lending Club default rate: 4.11%

My late rate: 0.90%
Lending Club late rate: 1.45%

monthly update

Net annualized return: 10.22%
Lending Club average net annualized return: 10.18%

My default rate: 5.76%
Lending Club default rate: 3.76%

My late rate: 1.17%
Lending Club late rate: 1.41%

monthly update

Net annualized return: 9.90%
Lending Club average net annualized return: 10.10%

My default rate: 5.97%
Lending Club default rate: 3.58%

My late rate: 0.88%
Lending Club late rate: 1.37%

monthly update

Net annualized return: 9.94%
Lending Club average net annualized return: 10.06%

My default rate: 5.75%
Lending Club default rate: 3.49%

My late rate: 1.15%
Lending Club late rate: 1.53%

monthly update

Net annualized return: 9.86%
Lending Club average net annualized return: 9.86%

My default rate: 5.78%
Lending Club default rate: 3.91%

My late rate: 1.56%
Lending Club late rate: 1.51%

I am no longer publishing the notes in which I invest. LendingClub's PRIME service is doing it for me.