Callahan Bowl V

Once again, we sweep aside the minutia of season performance, starting line-ups, and post-season success to choose this year’s Super Bowl champion based on their city’s credit union performance.

 
 

Will Peyton Manning’s thumb be okay?  Will it affect his performance at the big game?

Can the Bears recapture the magic of the 1985 “Super Bowl Shuffle” glory days?

What kind of crazy, kooky commercials can we expect? 

And what about the half time show?!?!?

These are all interesting pieces of water cooler conversation in the days leading up to the Super Bowl.  Still, the question on everyone’s mind is what brings us here today:

Can credit union performance in a team’s city predict who will win the Super Bowl?
Over the past four years, we have exercised our credit union analysis skills to predict who will win the Super Bowl. While the professional odds makers and sports bloggers concentrate on things like offensive team performance during the regular season, turnovers, and the teams’ injury list, we base our prediction on the financial performance of the credit unions in these football teams’ hometowns to predict the winner, specifically those with over $50 million in assets.

Drum roll, please.

This year, we defy the odds (and the current Vegas spread) with our pick of the Chicago Bears to win based on the superior financial performance of the Windy City’s credit unions.

DISCLAIMER:  Truth be told, we’re one for four in picking the correct winner.  Some have even gone on to suggest that credit union performance is negatively correlated to football performance.  However, we brush such suggestions away.   Much like last year, this year’s field resulted in a close contest, with Chicago credit unions narrowly outperforming Indianapolis credit unions in four of the seven categories.

 

Share

Loan

Loans/

Member

Capital/

Delinquency

 

 

City

Growth

Growth

Shares

Growth

Assets

Ratio

ROA

Score

Indianapolis

7.37%

1.90%

83.09%

4.21%

11.12%

0.57%

0.76%

3

Chicago

-0.65%

7.26%

62.83%

4.90%

13.87%

0.34%

0.57%

4

Indianapolis has some overwhelmingly powerful stats that deserve a second look including a share growth rate as impressive as Peyton Manning’s post-season passing record.  Just like in the big game, defense plays an important role, as displayed by Chicago’s delinquency ratio that’s almost half of the national average. 

It’s razor close.  Then again, it’s the close games that folks seem to love the most.  Hopefully the Colts and the Bears are as closely matched on the field as they are when it comes to financial performance.

Now, if we can somehow figure out how to predict whether the halftime show will be a disaster or not . . .


Top Performing Credit Unions in the Super Bowl XL Cities

Data as of September 30, 2006

Credit Unions with at least $50 million in Assets

Performance Ratio

Credit Union

City

Value

Assets

Share Growth

Indiana Members

Indianapolis

10.43%

1,015,679,826

Loan Growth

Chicago Patrolmen's

Chicago

16.72%

219,552,505

Loans/Shares

Forum

Indianapolis

127.36%

979,202,262

Member Growth

Alliant

Chicago

7.94%

4,422,312,872

Capital/Assets

Selfreliance Ukrainian America

Chicago

18.03%

422,775,194

Delinquency

Eli Lilly

Indianapolis

0.05%

675,030,813

ROA

Selfreliance Ukrainian America

Chicago

1.09%

422,775,194

The authors and editors would like to thank Joe James for his inspiration.  We hope you enjoy the big game out there in Rancho Cucamonga.  We miss you.

 

 

 

Jan. 29, 2007


Comments

 
 
 
  • Thanks for the kudos. I'm glad to see the Callahan Bowl tradition continue. Something to ponder. How will Rex Grossman's potential membership to his hometown credit union, Members Choice, in Bloomington, Indiana affect his performance?
    Joe James
     
     
     
  • Yeah! Go BEARS!
    Anonymous
     
     
     
  • In the interest of TEAMS playing TEAMS, I made peer groups of Chicago CU's and Indianapolis CU's, and scored the same metrics but with peer averages. Same result, Chicago 4-3. That settled, I can get back to work.
    Anonymous
     
     
     
  • COLTS all the way - maybe Da Bears can open a Line of Credit to buy a Super Bowl ring!
    Anonymous
     
     
     
  • Where the #$%@! is Callahan Bowl VI?!?!?!?! Who am I supposed to root for if Callahan is not providing the credit union data analysis that typically guides my choice?!?!?!?!?!?!!!!!!!!!
    Anonymous