USL Championship · Sunday, 11 October 2026. Final score 3–1 (half-time 2–0). Before kick-off we rated it 52% over 2.5 goals — the match finished with 4, so that call landed. That rating was frozen into a version-controlled ledger before the game and has not been touched since.
Open this match in the app →| Market | Yes | No | Our call |
|---|---|---|---|
| Over 2.5 goals | 52% | 48% | Over |
| Over 3.5 goals | 30% | 70% | no pick |
| Both teams to score | 54% | 46% | Yes |
The result model puts New Mexico United at 60%, the draw at 23% and Monterey Bay at 17%, from expected goals of 1.86 and 0.88.
The league sets the starting point. USL Championship has produced over 2.5 goals in 50% of its matches, and that is where a team with no record of its own would sit.
Each side's own record. New Mexico United have 15 in 27 this season (9 of 14 at home), Monterey Bay 14 in 27 (7 of 14 away). Those records are pulled toward the league rate with the weight of about 24 matches — enough that two or three unusual games cannot swing a rating — giving 53% and 51%.
Last season still counts, briefly. With 27 and 27 games played this season, last season's rates are still blended in and fade out entirely by game 40 — the point at which our testing showed they stop adding accuracy. A single season is part luck, so each club's record is first pulled toward the league average by 34 games' weight. That moves the two figures to 54% and 51%.
The mix. Weighted 40% home side, 40% away side and 20% league — the split that beat every alternative across 30,582 matches of testing — that gives 52%.
Head to head. These sides have met 5 times in three years, producing over 2.5 goals in 40%. That nudges the number 5% of the way toward the head-to-head pattern — deliberately small, because fixtures change more than reputations do — landing on 51%.
Goal expectation. Separately a Poisson model built from attack and defence strength — using real expected-goals data where the league has it — puts this match at 52%, from expected goals of 1.86 for New Mexico United and 0.88 for Monterey Bay. Folding in 30% of that view gives 51%.
Calibration. Tested against 97,729 past matches, our ratings below 55% have run consistently too pessimistic — a figure in the high 30s, for instance, has come in about four points higher. So ratings in that range are lifted part-way back, giving 52%.
This breakdown is generated from the same inputs the rating uses, so it cannot describe a calculation we did not perform. The full model is set out in the methodology.
| Team | Games | O2.5 | O3.5 | BTTS |
|---|---|---|---|---|
| New Mexico United | 27 | 56% | 30% | 56% |
| Monterey Bay | 27 | 52% | 33% | 63% |
More: New Mexico United season stats · Monterey Bay season stats · USL Championship table and form. Ratings are calibrated probabilities, not tips — a 60% call is expected to miss two times in five.