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.