Well, we were wrong. Enjoy our failed attempt suggesting the Los Angeles Rams could win.
Ask not for whom the bell tolls; it tolls for the New England Patriots.
This Sunday, the New England Patriots will play the Los Angeles Rams in a rematch of Super Bowl XXXVI, which the Patriots won 20-17. Crazy as it seems, it will be Patriot’s head coach Bill Belichick’s 12th Super Bowl appearance (ninth as a head coach), meaning he has appeared in 23% of all Super Bowls played. This year, the Patriots are 2.5-point favorites and Maroon 5 and Travis Scott are slated to perform.
But who will win? As in past years, Callahan uses credit union data to break down the matchup and pick a winner. ContentMiddleAd
Are You Ready For Some Football?
Rams 0, Patriots 0
LOAN GROWTH
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
A sign of things to come: Los Angeles-area credit unions far outpace their Boston-area peers in loan growth at third quarter 2018.
Rams 1, Patriots 0
LOAN-TO-SHARE RATIO
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
Boston credit unions answer here thanks to a 98% loan-to-share ratio, compared with 80% for Los Angeles credit unions.
Rams 1, Patriots 1
AVERAGE MEMBER RELATIONSHIP
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
The lead widens. With a difference of $4,500, credit unions in Los Angeles post a higher average member relationship than their Boston peers.
Rams 2, Patriots 1
SHARE DRAFT PENETRATION
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
The blowout begins to take shape. Los Angeles credit unions post a share draft penetration nearly nine percentage points higher than Boston credit unions.
Rams 3, Patriots 1
TOTAL DELINQUENCY
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
Close, but no cigar for Beantown credit unions when it comes to total delinquency. Credit unions from the City of Angels average a delinquency rate 5 basis points better than their Boston peers.
Rams 4, Patriots 1
NET INTEREST MARGIN
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
Another point to LA. Los Angeles credit unions hold a 6 basis point advantage (2.91% to 2.85%) in net interest margin, setting up a final metric that takes the game even further out of reach.
Rams 5, Patriots 1
RETURN ON ASSETS
FOR BOSTON- AND LOS ANGELES-AREA CREDIT UNIONS | DATA AS OF 09.30.18
Another metric, another Los Angeles win. The 0.83% return on assets for Philadelphia credit unions bests the 0.73% for Boston credit unions.
Rams 6, Patriots 1
The Bottom Line
The Los Angeles Rams will take down the New England Patriots in Super Bowl LIII, and Callahan data does not predict a close contest. Congratulations are in order for Rams head coach Sean McVay who, at 33, would become the youngest winning head coach in Super Bowl history.
If you’re a Patriots fan looking for optimism, however, there’s a lot to love. In Patriots quarterback Tom Brady’s career, the Pats have never lost consecutive Super Bowls (Callahan correctly predicted last year’s Patriots loss). In addition, experience is on the Pats side. Tom Brady has won 29 career playoffs games; for the Rams, Super Bowl LIII will be the franchise’s 29th playoff game. More to the point, 27 of the Patriots’ 53 players have won a Super Bowl, compared to just three Rams. We said this last year, but bet against the Patriots at your own risk.
But what do you, the CreditUnions.com reader, think? Leave us a comment below telling us who is going to win and why.
And don’t forget to check out some of our past predictions:
- Callahan Bowl XIII: Philadelphia Eagles VS New England Patriots
- Callahan Bowl XII: Atlanta Falcons VS New England Patriots
- Callahan Bowl XI: Seattle Seahawks VS New England Patriots
- Callahan Bowl X: Seattle Seahawks VS Denver Broncos
- Callahan Bowl IX: San Francisco 49ers VS Baltimore Ravens
- Callahan Bowl VIII: New York Giants VS New England Patriots
- Callahan Bowl VII: Pittsburgh Steelers VS Green Bay Packers
- Callahan Bowl VI: Indianapolis Colts VS New Orleans Saints
- Callahan Bowl V: Chicago Bears VS Indianapolis Colts
- Callahan Bowl IV: Seattle Seahawks VS Pittsburgh Steelers
- Callahan Bowl III: Philadelphia Eagles VS New England Patriots
- Callahan Bowl II: Carolina Panthers VS New England Patriots
- Callahan Bowl I: Tampa Bay Buccaneers VS Oakland Raiders