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.
