[nostromo]

For comparison: I put $1000 into Prosper around 2007 as an experiment. My average annual return is 4.19% (just logged in for the first time in... forever).

However, the return has been rising. Through 2008 my annualized return was negative (-4%) and has since been closer to 8%, with double the returns coming from lower credit scores.

[Scoundreller]

Given the crash in 2009 and how hard-hit most public lending institutions have been, you've probably done very well.