luckadjusted
CFB Week 4 · 2026

Week 2 2025 · September 6, 2025

Western Kentucky at Toledo, Week 2 2025: who deserved to win?

Toledo beat Western Kentucky 45–21, and the replays back it up: with the way both teams actually played, Toledo wins 10 of 10.

Before kickoff Toledo was a 69% favorite.

Final

Western Kentucky Hilltoppers 21
Toledo Rockets 45

September 6, 2025 · Glass Bowl · Closing line: Toledo −7.5

Luck index +1 Toledo about even · −1 Western Kentucky

Each team’s own plays from this game, resampled into new drives 4,000 times: with the way both teams actually played, how often does this performance win? How the replay works

Ten replays. Western Kentucky wins 0, Toledo wins 10.

  1. 1 WKU 34 TOL 42
  2. 2 WKU 24 TOL 41
  3. 3 WKU 21 TOL 42
  4. 4 WKU 34 TOL 59
  5. 5 WKU 24 TOL 52
  6. 6 WKU 17 TOL 49
  7. 7 WKU 14 TOL 49
  8. 8 WKU 10 TOL 49
  9. 9 WKU 6 TOL 52
  10. 10 WKU 10 TOL 62

Three other ways to ask

Each answers a different question, so none of them replaces the replay above.

The closing betting line, turned into a probability. What everyone knew before the game.

The line plus what this game showed, weighted by how much one game can tell. It stays close to the line because one game says little.

Every kick, fumble bounce, conversion and judgment call redrawn; everything else fixed. The narrowest view of luck.

How 4,000 replays ended

Western Kentucky wins 1% of them, Toledo 99%. The line is what actually happened: Toledo by 24.

Show as a table
Final margin in the replaysShare of replays
Western Kentucky by 17+0.0%
Western Kentucky by 9–160.2%
Western Kentucky by 1–80.5%
Level after regulation0.0%
Toledo by 1–82.5%
Toledo by 9–166.4%
Toledo by 17+90.3%

Where the luck was

What the luck was worth

Every lucky and unlucky play, weighted by the moment it happened: its swing in win probability, added up by kind. A missed kick in a decided game counts for nothing; the same kick at the end of a tie game can be most of a win.

Swings add up across a game, so in one that went back and forth they can pass 100%. On the scoreboard the same luck was worth +0.6 points to Toledo: the final margin was Toledo by 24, without the luck Toledo by 23.4. Luck shares are the fitted ones (how much of each kind is luck).

Penalties: Western Kentucky 4 for 45 yards, Toledo 8 for 70 yards

Every accepted flag, in order, and what it did to the helped team’s chance of winning at that moment, including any play it wiped out (points on the scoreboard in grey). A flag in a decided game is worth nothing; one at the turn of a close game can be worth most of a win. Judgment calls count toward luck, pre-snap fouls mostly don’t. How calls are valued

WhenFlagWin probability for
Q1 13:43 Pass Interference on Western Kentucky, 15 yards +3% TOL +1.7 pts
Q1 7:01 False Start on Western Kentucky, 5 yards · pre-snap +1% TOL +1.1 pts
Q2 11:17 Unnecessary Roughness on Toledo, 15 yards +2% WKU +2.1 pts
Q2 9:13 Pass Interference on Toledo, 15 yards +2% WKU +2.1 pts
Q2 4:39 False Start on Toledo, 5 yards · pre-snap 0% WKU +0.9 pts
Q2 0:33 Roughing the Passer on Western Kentucky, 15 yards 0% TOL +0.4 pts
Q2 0:25 Holding on Toledo, 10 yards 0% WKU +0.6 pts
Q3 11:21 Holding on Toledo, 10 yards, wiping out the play 0% WKU +1.7 pts
Q3 9:03 False Start on Toledo, 5 yards · pre-snap 0% WKU +0.4 pts
Q3 0:35 False Start on Toledo, 5 yards · pre-snap 0% WKU +0.7 pts
Q4 10:05 Holding on Western Kentucky, 10 yards 0% TOL +1.6 pts
Q4 3:20 Delay of Game on Toledo, 5 yards · pre-snap 0% WKU +0.4 pts

When it happened

Toledo’s chance of winning

Numbers mark the biggest luck moments, listed below.

Our in-game win probability: the score, the value of the possession and the time left, starting from the betting line. Overtime has no clock and is drawn at a fixed width. Shaded above the middle while Toledo was ahead in it, below while Western Kentucky was.
#WhenWhat happenedWin probability forNext drive
1 Q1 14:24 Western Kentucky fumbled and recovered itFumble bounces · loose balls are close to 50/50 +3% WKU WKU: Punt
2 Q1 13:43 Pass Interference on Western Kentucky, 15 yardsJudgment calls +3% TOL TOL: Touchdown
3 Q1 11:52 Return touchdown by ToledoSpecial teams +8% TOL TOL: Punt
4 Q1 6:48 Western Kentucky converted 3rd & 73rd & 4th downs · 31% expected +2% WKU WKU: Punt
5 Q1 4:54 Toledo converted 3rd & 73rd & 4th downs · 37% expected +2% TOL TOL: Touchdown
6 Q1 2:34 Toledo converted 3rd & 43rd & 4th downs · 42% expected +2% TOL TOL: Field goal
7 Q2 9:13 Pass Interference on Toledo, 15 yardsJudgment calls +2% WKU WKU: Turnover on downs
8 Q2 8:22 Western Kentucky was stopped on 4th & 23rd & 4th downs · 58% expected +3% TOL WKU: Punt

Adjust the assumptions

Disagree with how much of a fumble bounce or a pass interference call is luck? Change it and the coin-flip replay reruns in your browser.

Only coin-flips re-rolled

Western Kentucky 0% · Toledo 100%

Final margin
Toledo by 24
Luck in points
0.6 for Toledo
Luck-adjusted margin
Toledo by 23.4
Replay with same day's form
Western Kentucky 1% · Toledo 99% unchanged: why
How much of each is luck?

0% treats it as skill, 100% as pure luck. The tick is our fit.

What counts

None by default: our tests measured no carryover after a lucky break. Slide it up to count a break for more than its own swing. Why

Flip a play

Force the other outcome, in this game and in every replay: a made kick becomes a miss, a stop becomes a conversion, a flag goes the other way.

About these numbers

Play-by-play and expected points from CollegeFootballData.com via cfbfastR; win probability from our own model of the score, the possession and the betting line; kicks valued against each kicker’s own record. College play-by-play has no charting of drops or interception-worthy throws and no injury reports, so those kinds of luck aren’t counted here.

Methodology and validation · All Week 2 2025 games · Western Kentucky · Toledo

More from Week 2 2025

Every week 2 game, 2025