Charlotte at Army - 2025 Matchup Preview
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Charlotte 49ers at Army Black Knights

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Saturday, October 11th 2025 (12:00 PM EDT)
Army -17.5 (45.5) (-850)  Open: -20.5
Army 24 - Charlotte: 7  (American Athletic)

 
49ers (1 - 11) (6 - 6 - 0)
Coach Tim Albin (0 - 0)
Avg Score : 14 - 36 (12 - 38 on Road)
Record Prediction: 1 - 11 (#133)
'25 Opponents: (Elite: 0) (Good: 0) (Avg: 2) (Bad: 5)
CHAR 2nd straight Road Game
ARMY is playing their 4th straight game
Our Line: Army -25.5  (SP+ ARMY -28)

Projected Score: CHAR: 11 - ARMY: 36 (47)
ARMY Win prob: 89% | Cover: 51%
CHAR Travel: 557 miles
Black Knights (7 - 6) (7 - 6 - 0)
Coach Jeff Monken (81 - 57)
Avg Score : 24 - 22 (26 - 24 @ Home)
Record Prediction: 6.3 - 6.7 (#79)
'25 Opponents: (Elite: 0) (Good: 0) (Avg: 1) (Bad: 6)
 
Charlotte's 2025 Schedule
DateMatchupSpreadTotalResultO/UCover
Fri 8/29 Charlotte vs App State+8.553.5L 11 - 34UN
Sat 9/6 Charlotte vs North Carolina+16.549.5L 3 - 20UN
Sat 9/13 Charlotte vs Monmouth-3.066.5W 42 - 35OY
Thu 9/18 Charlotte vs Rice+1.541.5L 17 - 28ON
BYE WEEK
Fri 10/3 Charlotte at South Florida+28.554.5L 26 - 54OY
Sat 10/11 Charlotte at Army+17.545.5L 7 - 24UY
Sat 10/18 Charlotte vs Temple+10.047.5L 14 - 49ON
Fri 10/24 Charlotte vs North Texas+25.560.5L 20 - 54ON
BYE WEEK
Sat 11/8 Charlotte at East Carolina+29.556.5L 22 - 48OY
Sat 11/15 Charlotte vs UTSA+16.557.5L 7 - 28UN
Sat 11/22 Charlotte at Georgia+42.553.5L 3 - 35UY
Sat 11/29 Charlotte at Tulane+31.552.5L 0 - 27UY

Total: Elite: 0, Good: 1, Avg 2, Bad 4, Poor 4
Played: Elite: 0, Good: 1, Avg 0, Bad 1, Poor 2
Future: Elite: 0, Good: 0, Avg 2, Bad 3, Poor 2
Wins: Elite: 0, Good: 0, Avg: 0, Bad: 0, Poor: 0
Losses: Elite: 0, Good: 1, Avg: 0, Bad: 1, Poor: 2

Predictions for Charlotte's Schedule
Army's 2025 Schedule
DateMatchupSpreadTotalResultO/UCover
Fri 8/29 Army vs Tarleton State-14.547.5L 27 - 30ON
Sat 9/6 Army at Kansas State+17.048.5W 24 - 21UY
BYE WEEK
Sat 9/20 Army vs North Texas+2.550.5L 38 - 45ON
Thu 9/25 Army at East Carolina+3.552.5L 6 - 28UN
Sat 10/4 Army at UAB-6.555.5W 31 - 13UY
Sat 10/11 Army vs Charlotte-17.545.5W 24 - 7UN
Sat 10/18 Army at Tulane+10.044.5L 17 - 24UY
BYE WEEK
Sat 11/1 Army at Air Force-1.548.5W 20 - 17UY
Sat 11/8 Army vs Temple-7.545.5W 14 - 13UN
BYE WEEK
Sat 11/22 Army vs Tulsa-10.043.5L 25 - 26ON
Sat 11/29 Army at UTSA+8.550.5W 27 - 24OY
BYE WEEK
Sat 12/13 Army vs Navy+6.038.0L 16 - 17UY
Sat 12/27 Army vs UConn-5.541.5W 41 - 16OY

Total: Elite: 0, Good: 0, Avg 3, Bad 3, Poor 5
Played: Elite: 0, Good: 0, Avg 2, Bad 0, Poor 2
Future: Elite: 0, Good: 0, Avg 1, Bad 3, Poor 3
Wins: Elite: 0, Good: 0, Avg: 0, Bad: 0, Poor: 2
Losses: Elite: 0, Good: 0, Avg: 2, Bad: 0, Poor: 0

Predictions for Army's Schedule
Important Stats (2024)
 Teams                  Off Explosive.Off SuccessPPGRush SuccessOL Yds Per AttRush YPGPass SuccessPass YPGOff ScoreZoneDef Explosive.Def SuccessDef PPGRunD SuccessPass D SuccessDef ScoreZonePenalty YPGTO PGDef TO PG
CHAR#116 (.1)37% (122)14.339% (110)2.75 (113)11935% (120)2243.9 (70)#113 (.25)45% (107)36.348% (111)42% (83)3.87 (81)65.31.81
ARMY#10 (.32)51% (6)23.852% (7)3.57 (5)27843% (52)764.47 (19)#39 (.12)43% (89)21.645% (87)43% (88)2.57 (2)30.50.61.4
 Teams                  Off Explosive.Off SuccessPPGRush SuccessOL Yds Per AttRush YPGPass SuccessPass YPGOff ScoreZoneDef Explosive.Def SuccessDef PPGRunD SuccessPass D SuccessDef ScoreZonePenalty YPGTO PGDef TO PG
CHAR0%0%000%000%0%0%0000
ARMY0%0%000%000%0%0%0000



Overall Stats 2024
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
CHAR Offense1214.311.637.1%3.91.8173431192243.747%52%39%35%17%.1
ARMY Defense1421.624.243.4%2.571.4 - - - - - 47%52%45%43%14%.12
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
CHAR Defense1236.337.645.3%3.871 - - - - - 56%44%48%42%15%.25
ARMY Offense1423.825.650.7%4.470.619354278765.686%14%52%43%8%.32

Additional Stats 2024
 Teams                  GamesPossession Time1st Downs PG3rd Down %4th Down %Penalties PGPenalty Yds PGOff TO PGDef TO PGTFL PGSacks PGD/ST TDsAvg Field Pos
Charlotte1228:3717.330%42%7.865.31.814.91.2126.1
Army1432:4619.149%77%3.130.50.61.43.91.4029.4
Run Game Stats (2025)
 Teams                  GamesRun Play RateRun Play SuccessRush Att PGRush Yds PGRush Yds Per AttRushing TDsRun Pred Pts AddedOL Yds Per Att3rd/4th & ShortFront 7 HavocRun Play Explosivness
CHAR Offense1247% (88)39% (110)32.3118.73.716 (90).09 (93)2.75 (113)68% (105)11% (106)1.1 (24)
ARMY Defense1447% (32)45% (87) - - - - .14 (79)3.22 (100)67% (29)9% (92)0.94 (46)
 Teams                  GamesRun Play RateRun Play SuccessRush Att PGRush Yds PGRush Yds Per AttRushing TDsRun Pred Pts AddedOL Yds Per Att3rd/4th & ShortFront 7 HavocRun Play Explosivness
CHAR Defense1256% (118)48% (111) - - - - .19 (104)3.27 (106)68% (35)8% (114)0.96 (57)
ARMY Offense1486% (1)52% (7)49.9277.85.644 (2).3 (9)3.57 (5)86% (3)6% (2)0.98 (60)

Pass Game Stats (2025)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
CHAR Offense1252% (46)35% (120)14.829.4224.17.615.216 (87)14 (115).12 (120)1.9 (6)35% (123)29% (96).23 (103)6% (57)2.3 (3)
ARMY Defense1452% (99)43% (88) - - - - - - 17 (5).15 (30)1.5 (25)32% (68)30% (57).29 (60)5% (96)2.1 (91)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
CHAR Defense1244% (18)42% (83) - - - - - - 10 (66).34 (112)1.8 (122)31% (92)33% (107).57 (132)6% (51)2.4 (133)
ARMY Offense1414% (134)43% (52)4.68.175.99.416.610 (127)4 (1).43 (8)1.9 (4)23% (1)32% (56).31 (80)2% (1)1.7 (134)

Charlotte's Power Ratings
Charlotte's Power Rating: -25.40  #135
Charlotte's Offense Rating: -0.08  #134
Charlotte's Defense Rating: 25.32  #132
2025 Talent Rating: 588.00  #97
Blue Chip Ratio: 3%  #65
Charlotte's 2025 Expected Record: 1.0 - 11.0
Charlotte's 2025 Overall SP+ Rating: -26.7  #134
Charlotte's Offense SP+ Rating: 14.5  #132
Charlotte's Defense SP+ Rating: 39.8  #132

Average Talent
Average American Athletic Talent Rating is 575.29
Average Power Five Talent: 877.82
Average FBS Talent: 715.76

Power Ratings Matchup
Charlotte: -25.40   Army: -0.775

SP+ Ratings Matchup
Charlotte: -26.7   Army: 0.8




Army's Power Ratings
Army's Power Rating: -0.775  #87
Army's Offense Rating: 8.78  #95
Army's Defense Rating: 16.13  #89
2025 Talent Rating: 146.00  #135
Blue Chip Ratio: 0  #101
Army's 2025 Expected Record: 6.3 - 6.7
Army's 2025 Overall SP+ Rating: 0.8  #74
Army's Offense SP+ Rating: 24.7  #85
Army's Defense SP+ Rating: 24.1  #53

Average Talent
Average American Athletic Talent Rating is 575.29
Average Power Five Talent: 877.82
Average FBS Talent: 715.76


Charlotte Scoring
Offense: 14.3 PPG
Offense on Road: 11.6
Defense: 36.3 PPG
Defense on Road: 37.6

Charlotte's 2025 Record
Record: 1 - 11
Record vs Spread: 6 - 6 - 0
Over/Under Record: 6 - 6
Record on Road: 0 - 5
Record vs Spread on Road: 5 - 0 - 0
Record as Dog vs Spread: 5 - 6 - 0
Record as Road Dog vs Spread: 5 - 0 - 0
Projected Score
Army 36
Charlotte 11


Projected Total Points: 47
Army Scoring
Offense: 23.8 PPG
Offense at Home: 25.6
Defense: 21.6 PPG
Defense at Home: 24.2

Army's 2025 Record
Record: 7 - 6
Record vs Spread: 7 - 6 - 0
Over/Under Record: 5 - 8
Record at home: 2 - 3
Record vs Spread at home: 0 - 5 - 0
Record as Fav vs Spread: 3 - 4 - 0
Record as Home Fav vs Spread: 0 - 4 - 0


YearDateHomeScoreAwayScoreSpreadCoverTotalO/U
202510/11Army24Charlotte7Army -17.5Charlotte45.5Under
TeamWinsCoversO/U
Army100 Overs
Charlotte011 Unders

WinsCoversFavsDogs
Home Teams1 - 00 - 10 - 10 - 0
Road Teams0 - 11 - 00 - 01 - 0

(#135) CHAR at (#87) ARMY
Overall StatsOvr
CategoryCatCHARARMY
Net PPPPPPNRNR
Power RatePwr #135 #87
SP+SP+ #134 #74
Perf GradeGrade #129 #48
OffenseOff #113 #11
DefenseDef #132 #115
Spec TeamsST #129 #58
TalentTal #97 #135
Blue ChipsBC% #65 #101
Charlotte Notes
(10/19) Team is awful, Off is bad but Def is worse.
(10/4) QB1 is now Zach Wilcke, played OK in USF blowout
(10/4) Off is still really bad, can't run. 3 QBs thru wk 6
(10/2) QB1 Connor Harrell out for season (knee), Loftis QB1
(9/18) WR E. Jai Mason a baller to watch. QB meh
(9/18) Run Off awful, Run Def bad. Not much hope
(9/18) Tim Albin very good coach but roster is bad
(8/30) QB Harrell bad, Run game putrid vs App St
(8/30) Def torched for 580+ vs App St, Pass D worse?
(3/24) QB Connor Harrell (NC) or G Loftis (Duke)
(3/24) RB rebuild. Chaney (Lou) added, depth?
(3/24) WR complete rebuild. 5 portals.
Charlotte Injury Report
Army Notes
(11/29) Great win at UTSA to get bowl eligible. Navy game left
(8/30) Off decent, Def meh, mistakes in bad L vs Tar St
(8/24) QB1 D Coleman starter after E Washington inj
(5/19) QB Coleman, Hellums or Washington?
(5/17) Def returns a lot, but offense replacing most
(3/24) QB rebuild, Coleman some exp
(3/24) RB rebuild, Udoh gone (ASU). Have options
(3/24) WR rebuild, 3 career Rec. return.
(3/24) OL 3/5 back, depth some exp. Great LY
(3/24) Def was great LY, returns a lot. DL some size
(3/24) HC Monken incredible, 12 wins, AAC champs LY
Army Injury Report
Charlotte on Offense
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffARMY Def
PPPOffPPPNRNR
Perf GradePerf #113 #115
SuccessSuc #122 #89
ExplosiveExp #2 #40
PPAPPA #116 #39
PowerPwr #134 #89
SP+SP+ #132 #53
Pts POPPO #70 #2
HavocHav #92 #100
Charlotte Run Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffARMY Def
Run GameRun #136 #120
Run SuccessRSuc #110 #87
Run ExplRExp #24 #46
PPAExp #93 #79
Run BlockR Blk #104 -
OL YdsOLY #113 #100
Stuff RateStuff #109 #92
TackleTak -  #87
Charlotte Pass Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffARMY Def
Pass GamePass #77 #98
Pass SuccessPSuc #120 #88
Pass ExplPExl #6 #25
PPAExp #120 #30
Pass Rush/BlockP Blk #126 #113
F7 HavocF7 #106 #92
DB HavocDB #57 #96
Army on Offense
Option Offense 85%, Pass: 14%
CategoryCatARMY OffCHAR Def
PPPDefPPPNRNR
Perf GradePerf #11 #132
SuccessSuc #6 #107
ExplosiveExp #132 #85
PPAPPA #10 #113
PowerPwr #95 #132
SP+SP+ #85 #132
Pts POPPO #19 #81
HavocHav #1 #87
Army Run Game
Option Offense 85%, Pass: 14%
CategoryCat
ARMY OffCHAR Def
Run GameRun #99 #130
Run SuccessRSuc #7 #111
Run ExplRExp #60 #57
PPAExp #9 #104
Run BlockR Blk #1 -
OL YdsOLY #5 #106
Stuff RateStuff #1 #100
TackleTak -  #129
Army Pass Game
Option Offense 85%, Pass: 14%
CategoryCatARMY OffCHAR Def
Pass GamePass #48 #122
Pass SuccessPSuc #52 #83
Pass ExplPExl #4 #122
PPAExp #8 #112
Pass Block/RushP Blk #111 #121
F7 HavocF7 #2 #114
DB HavocDB #1 #51
Program Comparison
ARMY 5 Year Profile: Consistent Top G5
'25 Profile: Remains Top G5

CHAR 5 Year Profile: Consistent Poor G5
'25 Profile: Remains Poor G5

Weather Forecast
Playing in Blaik Field at Michie Stadium
Conditions:
Temp: 0°
Rematch from Week 7
Army -17.5 (45.5)
Army won vs Charlotte this year (24-7)

Previous Matchups
Army beat Charlotte last year (24-7)

  
CHAR's OC Todd Fitch (in his first season)
Player NameCOMPATTPCTYDSTDINTYPA
Grayson Loftis (Tr)12823255%1415886.1
Conner Harrell (Tr)649667%737427.7
Player NameCARYDSTDYPCLONG
Rod Gainey Jr.7426013.537
Cameren Smith (Tr)6222003.513
Jariel Cobb (Tr)5119003.721
C.J. Stokes4814913.121
Player NameRECYDSTDYPCLONG
Javen Nicholas (Tr)60740512.364
Sean Brown36508114.146
E. Jai Mason31423413.662
Miles Burris1413409.618

View Charlotte's Full Roster

CHAR's DC Nate Faanes (in his first season)
Top DefTackTFLSACKSPRESSPD
Reid Williford746420
Kadin Schmitz (Tr)651032
Ja'Qurious Conley640002
Shay Taylor (Tr)626260
SacksTackTFLSACKSPRESSPD
Reid Williford746420
Curtis Simpson (Tr)315341
Shay Taylor (Tr)626260
Yamil Talib284251
Pass DTackTFLSACKSPRESSPD
Thailand Baldwin (Tr)200004
Ja'Qurious Conley640002
Derrick Edwards191002

ARMY's OC Cody Worley (in his second season)
Player NameCOMPATTPCTYDSTDINTYPA
Cale Hellums478754%694438.0
Dewayne Coleman193653%273227.6
Player NameCARYDSTDYPCLONG
Cale Hellums3051215184.050
Noah Short9857115.881
Hayden Reed7433534.537
Dewayne Coleman8529733.526
Player NameRECYDSTDYPCLONG
Noah Short32438213.744
Bradyn Anderson14381227.268
Samari Howard11133112.141
Parker Poloskey454113.526

View Army's Full Roster

ARMY's DC Nate Woody (been DC for 3 years)
Top DefTackTFLSACKSPRESSPD
Andon Thomas1124135
Kalib Fortner838280
Collin Matteson792027
Casey Larkin693013
SacksTackTFLSACKSPRESSPD
Eric Ford528572
Jack Bousum287451
Cole Searight234201
Kalib Fortner838280
Pass DTackTFLSACKSPRESSPD
Collin Matteson792027
Andon Thomas1124135
Casey Larkin693013