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.
