How good is UCF really?

I think UCF is 12-1.

They won AT Penn State, AT Louisville, and just beat #6 Baylor (Champs of Big 12) in the Fiesta Bowl.

UCF's only loss was to Top 10 South Carolina, by 3 points.

Judging by their resume, I'd probably have them in the Top 10.

Yep. They are better than Notre Dame, LOL.