Callahan Bowl X

Callahan & Associates predicts the winner of Super Bowl XLVIII by analyzing credit union performance data.
Andrew Bolton

Sometimes, it feels really great to be wrong. For last year’s Callahan Bowl, I predicted my beloved Baltimore Ravens would lose to the San Francisco 49ers based on local credit union data. Despite my incorrect prediction, and a few others in past years, we’re back at it again for 2014. So, who does credit union data say will win Super Bowl XLVII?

In this year’s matchup, the Seattle Seahawks will represent the NFC. The team beat the 49ers in the conference championship and is known for its aggressive defense. Its cornerback, Richard Sherman, is as of late known for his post-game rant after the NFC Championship game.

Sherman and the Seahawks are up against one of the greatest quarterbacks of all time, Peyton Manning, who leads the Denver Broncos. After setting the single season record for most passing touchdowns, his sights are set on his second Super Bowl championship. Denver’s high caliber offense also includes wide receivers Demaryius Thomas, Eric Decker, and Wes Welker.

With that introduction, let’s delve into the credit union data to predict who will emerge victorious.

12-Month Loan Growth

Seattle: 4.0%
Denver: 10.4%

Denver credit unions grew loans more than two-and-a-half times faster than their Seattle-based peers.


Seattle: 64.5%
Denver: 72.9%

Similar to loan growth, Denver credit unions are more lent-out than Seattle credit unions.

Average Member Relationship

Seattle: $18,593
Denver: $15,299

Despite higher loan growth and loan-to-share ratio, Denver credit unions lag behind their Seattle peers when it comes to their average relationship with members.

Share Draft Penetration

Seattle: 69.3%
Denver: 53.7%

More Seattle credit unions members hold a checking account with their local financial cooperative. This metric is one of the stronger indicators of a consumer’s primary financial institution.


Seattle: 0.67%
Denver: 0.65%

Delinquency RateData as of September 30, 2013Callahan & Associates |www.creditunions.comDelinqSource: Callahan & Associates’Peer-to-Peer Analytics

In a close battle, Denver area credit unions edged out Seattle credit unions with a slightly lower delinquency rate; thus, Denver gets the point here.

Return On Assets (ROA)

Seattle: 1.43%
Denver: 0.76%

Seattle credit unions pounce on their Denver peers in this matchup, with nearly double the return on assets.

Net Interest Margin

Seattle: 2.80%
Denver: 3.02%

Net Interest MarginData as of September 30, 2013Callahan & Associates

Source: Callahan & Associates’Peer-to-Peer Analytics

In third quarter 2013, Denver credit unions posted a net interest margin that is 22 points higher than the national credit union average and Seattle credit unions. They easily win this category.

Final Tally

Seattle: 3
Denver: 4

The credit union data points to a close contest on the field between the Seattle Seahawks and the Denver Broncos. However, Denver credit unions have a well-rounded performance that shows their team might have what it takes to pull ahead late in the game. We’re looking forward to the game and the commercials and wish both teams luck!

A 10-Year Review Of The Callahan Bowl

  • 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 Pantehrs VS New England Patriots
  • Callahan Bowl I: Tampa Bay Buccaneers VS Oakland Raiders
January 30, 2014

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