I've been investing in lendingclub and prosper for about 6-9 months. Here's my number:
Adjustment for Past-Due Notes ( $547.04 )
Adjusted Account Value $45,672.05
Adjusted Net Annualized Return 7.42%. (I heard that the number is already inflated for an account < 1 year old.)
And here are my prosper numbers:
Current $9,861.93
Late $416.10
Aren't the late ratio a bit too high?