This year, the National Football League celebrated its 100th season. This Sunday, that celebration will culminate with Super Bowl LIV between the San Francisco 49ers and Kansas City Chiefs.
Sunday marks the first time in 50 years that the Chiefs will play in the big game, one of the longest droughts among NFL franchises. In 1970, in Super Bowl IV, they beat the Minnesota Vikings to win their first and only Super Bowl. The Chiefs also appeared in the first ever Super Bowl, in 1967, when they lost to the Green Bay Packers.
On the flip side are the San Francisco 49ers, who have appeared in six previous Super Bowls, winning five. The last time they appeared in the Super Bowl, in 2013, they lost to the Baltimore Ravens. With a win this Sunday, the 49ers will tie the New England Patriots and Pittsburgh Steelers for the most Super Bowl wins, with six.
Based on the strengths of each team, there are plenty of football-related reasons to choose one team over the other; Kansas City is led by an explosive passing attack, while San Francisco is defense-first. As we are wont to do at Callahan, we looked into the credit union data to select the winner.
Here’s what we found.
Are You Ready For Some Football?
Kansas City 0, San Francisco 0
LOAN GROWTH
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
In a tight one, Kansas City credit unions eke out a win in loan growth over their Bay Area counterparts, posting third quarter performance of 7.1% and 6.8%, respectively.
Kansas City 1, San Francisco 0
LOAN-TO-SHARE RATIO
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
San Francisco credit unions even the score. The loan-to-share ratio at Bay Area cooperatives, 84.5%, bests its KC peers, 79.6%.
Kansas City 1, San Francisco 1
AVERAGE MEMBER RELATIONSHIP
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
Due to its abundance of large institutions with high-earning members, the average member relationship of San Francisco credit unions more than doubles Kansas City credit unions.
Kansas City 1, San Francisco 2
SHARE DRAFT PENETRATION
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
Though the difference in share draft penetration between Bay Area and Kansas City credit unions has narrowed in the past five years, the California credit unions still hold a 4 percentage point edge at third quarter.
Kansas City 1, San Francisco 3
TOTAL DELINQUENCY
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
Another metric, another win for San Francisco credit unions. At third quarter, Bay Area credit union delinquency, 0.33%, bested Kansas City credit union delinquency, 0.75%.
Kansas City 1, San Francisco 4
NET INTEREST MARGIN
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
It’s too little, too late for our Kansas City friends, but at third quarter they hold a 60 basis point advantage in net interest margin over San Francisco credit unions.
Kansas City 2, San Francisco 4
RETURN ON ASSETS
FOR KANSAS CITY AND SAN FRANCISCO CREDIT UNIONS | DATA AS OF 09.30.19
Callahan & Associates | CreditUnions.com
Kansas City ends strong. At third quarter, KC credit unions posted ROA of 0.92%. That’s 7 basis points higher than their Bay Area peers.
Kansas City 3, San Francisco 4
The Bottom Line
Based on our highly scientific model, Callahan’s data gives a non-decisive edge to San Francisco 49ers. It’s as the prognosticators say: defense wins championships.
Optimism for Chiefs fans? ESPN’s Football Power Index gives Kansas City, which hasn’t lost since Nov. 10, a 64.8% chance to win. The Chiefs are also led by head coach Andy Reid who, with 207 regular season wins under his belt, is the winningest coach to have never won a Super Bowl. That’s a lot of success and experience to lean on.
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 XIV: Los Angeles Rams VS New England Patriots
- 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