Your personal score is not the average of your HubScores. Everyone starts with a personal score of 30 and each hub starts with a score of 50. When you improve the quality of a hub, the score will go up gradually and when you participate in the HubPages community, your personal score will go up as well. You have joined very recently so don't worry too much about these values yet.
You can find more information about these scores in the help section (see top right) and you can search for "HubScore" and "HubberScore" (that is your personal score) here on HubPages - some people have explained this in more detail.