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The Poinsettia Bowl is a post-season NCAA-sanctioned Division I-A college football bowl game that was created in 2005. The game was created by the organizers of the Holiday Bowl and is played annually at Qualcomm Stadium in San Diego, California. The game is currently sponsored by the San Diego County Credit Union and is known as the San Diego County Credit Union Poinsettia Bowl. The second-place team from the Mountain West Conference is guaranteed a spot in this bowl through the 2014 season and will face Navy if the school is bowl eligible in 2010. A team from the Western Athletic Conference, provided it has enough bowl eligible teams, will gain an automatic bid in 2011, BYU will play in the 2012 game, and Army will play in the 2013 game if it is bowl eligible.