The Chicago Cubs Will Win The 2016 World Series

And we can prove it with credit union data.

 
 

The "Lovable Losers" need a new nickname, Callahan data shows. Based on our scientific and highly accurate modeling, the Chicago Cubs are the sure-fire, slam-dunk, bet-the-house-on-it winners of the 2016 World Series.

Billy goats? Set 'em out to pasture.

Black cats? We're dog people.

Overeager fans? Hey, there were at least seven people going for that ball.

These are the facts of the case and they are undisputed: The Chicago Cubs will win the 2016 World Series. Here, let us prove it.

Let's Play Ball!

Cubs 0, Indians 0

12-MO LOAN GROWTH
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

12_Mo._Loan_Growth_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

For our modeling, we've compared the financial performance of the 21 Cleveland-based credit unions against the 53 based in Chicago. Seven metrics. One winner.

First up, we measured the two credit union cities against one another based on year-over-year loan growth. This one's not close. Chicago credit unions posted 7.77% growth, while Cleveland lags behind at 2.01%. Point, Cubs.

Cubs 1, Indians 0

LOAN TO SHARE RATIO
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

LoansToShares_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

Not to be outdone, however, at second quarter 2016 Cleveland credit unions hold the winning edge in terms of loan to share ratio, as they're 70.82% loaned out.

Cubs 1, Indians 1

AVERAGE MEMBER RELATIONSHIP
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

AverageMemberRelationship_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

Chicago didn't like that last one. By average member relationship, Chicago credit unions nearly triple the relationships at Cleveland credit unions.

Cubs 2, Indians 1

SHARE DRAFT PENETRATION
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

ShareDraftPenetration_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

A close result, the share draft penetration at Chicago credit unions bests its Cleveland counterparts, 37.36% to 36.71% respectively.

Cubs 3, Indians 1

TOTAL DELINQUENCIES
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

TotalDelinquencies_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

Cleveland credit unions finally post the higher number! Only, this is for total delinquency. Chicago takes another.

Cubs 4, Indians 1

RETURN ON ASSETS
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

ReturnOnAssets_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

The blowout continues as the average Chicago credit union's return on assets of 0.63% more than doubles the 0.27% performance from those in Cleveland.

Cubs 5, Indians 1

NET INTEREST MARGIN
FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.16
© Callahan & Associates | www.creditunions.com

NetInterestMargin_WorldSeries2016
Source: Peer-to-Peer Analytics by Callahan & Associates.

In this measure of interest income vs. interest outgo Cleveland reigns supreme. Unfortunately the win comes too little, too late.

Cubs 5, Indians 2

The Bottom Line

The Chicago Cubs haven't won the World Series since 1908, by far the longest title drought of any Major League Baseball team. The team with the second longest drought? The Cleveland Indians, who haven't won since 1948.

And let's be honest, the Cubs probably deserve this. They posted the most wins of any team during the regular season and have been the favorites to hoist the Commissioner's Trophy since the start of the season.

But 108 years is a long time, and Cubs fans are a nervous bunch. So if you see one in the wild console them with this fact: the past 14 times the home team has won Game 1 of the World Series, they've ended up winning the whole thing.

And who won Game 1 at home? That's right. The Cleveland Indians.

Wait.

Oh no. 

 
 

Oct. 26, 2016


Comments

 
 
 
  • Cleveland in six games. Major upset.
    Anonymous