{"schema_version":"secwatch.filing_event.v1","accession":"0001409970-22-000048","form_type":"8-K","ticker":"LC","cik":"0001409970","company_name":"LendingClub Corp","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.503419+00:00","generated_at":"2026-06-23T00:45:07.291185+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"LendingClub Q3 revenue $304.9M (+24% YoY), EPS $0.41 (+58% YoY)","bullets":["Total net revenue $304.9M, up 24% YoY; diluted EPS $0.41, up 58% YoY.","Net interest income $123.7M, up 89% YoY; net interest margin expanded to 8.3% from 6.3%.","Loan originations $3.5B, up 14% YoY; deposits $5.1B, up 80% YoY.","Pre-tax, pre-provision income $118.7M, up 76% YoY; efficiency ratio improved to 61% from 73%.","Credit quality strong: average FICO 730 on held-for-investment portfolio; delinquencies gradually normalizing."],"urls":{"canonical":"https://secwatch.observer/filing/0001409970-22-000048","json":"https://secwatch.observer/filing/0001409970-22-000048.json","markdown":"https://secwatch.observer/filing/0001409970-22-000048.md","text":"https://secwatch.observer/filing/0001409970-22-000048.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1409970/000140997022000048/0001409970-22-000048-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1409970/000140997022000048/lc-20221026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:45:07.291185+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}