Those are pretty good stats - thanks for sharing!
Last year, I started to take snapshots of my key Kiva stats, just so I could track some key stats temporally. I, too, noticed that sometimes my defaulted amount would actually drop (but, of course, the general trend line is upwards).
And for what it’s worth: my total loss (defaulted + currency loss) percent is about an order of magnitude higher than yours, but still very reasonable in my mind - just around ~0.2 %.