Memphis at Charlotte - 2026 Matchup Preview
Memphis logo   Memphis Tigers at Charlotte 49ers  Charlotte logo
Saturday, October 3rd 2026 (12:00 PM EDT)
Jerry Richardson Stadium - Charlotte, NC  (American Athletic)

 
Tigers (0 - 0) (0 - 0 - 0)
Coach Charles Huff (0 - 0)
Avg Score : 33 - 23 (35 - 21 on Road)
Record Prediction: 9.1 - 2.9 (#15)
'26 Opponents: (Elite: 0) (Good: 1) (Avg: 2) (Bad: 8)
CHAR 2nd straight Home Game
MEM coming off BYE
CHAR is playing their 5th straight game
Our Line: Memphis -24  (SP+ MEM -34.5)
Projected Score: MEM: 39 - CHAR: 15 (54)
MEM Win prob: 96% | Cover: 57%
MEM Travel: 521 miles, 1 hrs behind
49ers (0 - 0) (0 - 0 - 0)
Coach Tim Albin (1 - 11)
Avg Score : 14 - 36 (17 - 36 @ Home)
Record Prediction: 1.8 - 10.2 (#90)
'26 Opponents: (Elite: 1) (Good: 0) (Avg: 3) (Bad: 7)
 
Memphis's 2026 Schedule
DateMatchupSpreadTotalResultO/UCover
Sat 8/29 Memphis at UNLV-1.5
Sat 9/5 Memphis vs Arkansas State-25
Sat 9/12 Memphis at Boise State+0.5
Sat 9/19 Memphis vs UT Martin-29.5
BYE WEEK
Sat 10/3 Memphis at Charlotte-24
Sat 10/10 Memphis vs UAB-24
Fri 10/16 Memphis at Tulane-2
Thu 10/22 Memphis vs East Carolina-5.5
Sat 10/31 Memphis vs Army-10.5
BYE WEEK
Thu 11/12 Memphis at South Florida+4.5
Sat 11/21 Memphis at Navy-3
Sat 11/28 Memphis vs Temple-13.5

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

Predictions for Memphis's Schedule
Charlotte's 2026 Schedule
DateMatchupSpreadTotalResultO/UCover
Sat 9/5 Charlotte vs The Citadel-3
Sat 9/12 Charlotte at Ole Miss+45.5
Sat 9/19 Charlotte at App State+12.5
Sat 9/26 Charlotte vs Louisiana+11.5
Sat 10/3 Charlotte vs Memphis+24
Sat 10/10 Charlotte at North Texas+27.5
Sat 10/17 Charlotte at Temple+18.5
BYE WEEK
Fri 10/30 Charlotte vs Tulane+20
Sat 11/7 Charlotte at UAB+7.5
Sat 11/14 Charlotte vs East Carolina+21
Sat 11/21 Charlotte at Tulsa+17
Sat 11/28 Charlotte vs Navy+18.5

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

Predictions for Charlotte's Schedule
Important Stats (2025)
 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
MEM#24 (.26)45% (40)32.549% (12)3.33 (11)18342% (70)2284.41 (23)#92 (.19)42% (66)23.239% (32)45% (110)4 (100)48.10.91.5
CHAR#136 (-.01)34% (133)14.334% (134)2.13 (135)8235% (123)2042.73 (131)#124 (.26)54% (136)36.355% (136)53% (135)4.16 (114)50.81.91.3
 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
MEM0%0%000%000%0%0%0000
CHAR0%0%000%000%0%0%0000



Overall Stats 2025
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
MEM Offense1332.53544.9%4.410.9234121832285.148%50%49%42%14%.26
CHAR Defense1236.335.753.9%4.161.3 - - - - - 51%47%55%53%11%.26
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
MEM Defense1323.220.841.6%41.5 - - - - - 50%49%39%45%17%.19
CHAR Offense1214.317.234.2%2.731.916286822042.744%54%34%35%19%-.01

Additional Stats 2025
 Teams                  GamesPossession Time1st Downs PG3rd Down %4th Down %Penalties PGPenalty Yds PGOff TO PGDef TO PGTFL PGSacks PGD/ST TDsAvg Field Pos
Memphis1331:3822.742%56%5.548.10.91.561.6329.4
Charlotte1228:0615.635%46%6.150.81.91.341.2127.6
Run Game Stats (2026)
 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
MEM Offense1348% (79)49% (12)36.2183.25.134 (1).3 (5)3.33 (11)75% (47)10% (98)1.17 (7)
CHAR Defense1251% (88)55% (136) - - - - .22 (129)3.33 (130)81% (124)7% (129)0.86 (20)
 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
MEM Defense1350% (71)39% (32) - - - - .04 (32)2.57 (13)73% (87)11% (28)0.98 (81)
CHAR Offense1244% (114)34% (134)30.381.82.75 (122)-.15 (136)2.13 (135)61% (125)12% (121)0.66 (136)

Pass Game Stats (2026)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
MEM Offense1350% (60)42% (70)21.431.7228.47.210.717 (86)9 (88).23 (80)1.5 (95)32% (83)32% (42).34 (55)4% (14)2.1 (43)
CHAR Defense1247% (59)53% (135) - - - - - - 7 (123).34 (112)1.3 (4)24% (136)35% (127).42 (119)4% (135)2 (74)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
MEM Defense1349% (72)45% (110) - - - - - - 12 (6).37 (118)1.6 (105)32% (62)30% (77).37 (105)6% (47)2.1 (113)
CHAR Offense1254% (24)35% (123)18.831.62046.510.914 (86)13 (108).13 (118)1.8 (10)35% (125)25% (122).12 (129)7% (99)1.9 (110)

Memphis's Power Ratings
Memphis's Power Rating: 4.06  #58
Memphis's Offense Rating: 15.50  #46
Memphis's Defense Rating: 16.44  #74
2026 Talent Rating: 848.00  #49
Blue Chip Ratio: 2%  #72
Memphis's 2026 Expected Record: 9.1 - 2.9
Memphis's 2026 Overall SP+ Rating: 7.6  #39
Memphis's Offense SP+ Rating: 34.3  #21
Memphis's Defense SP+ Rating: 28.3  #75

Average Talent
Average American Athletic Talent Rating is 576.71
Average Power Five Talent: 912.75
Average FBS Talent: 728.49

Power Ratings Matchup
Memphis: 4.06   Charlotte: -18.25

SP+ Ratings Matchup
Memphis: 7.6   Charlotte: -26.7




Charlotte's Power Ratings
Charlotte's Power Rating: -18.25  #123
Charlotte's Offense Rating: 6.59  #103
Charlotte's Defense Rating: 26.39  #133
2026 Talent Rating: 574.00  #98
Blue Chip Ratio: 0  #103
Charlotte's 2026 Expected Record: 1.8 - 10.2
Charlotte's 2026 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 576.71
Average Power Five Talent: 912.75
Average FBS Talent: 728.49


Memphis Scoring
Offense: 32.5 PPG
Offense on Road: 35
Defense: 23.2 PPG
Defense on Road: 20.8

Memphis's 2026 Record
Record: 0 - 0
Record vs Spread: 0 - 0 - 0
Over/Under Record: 0 - 0
Record on Road: 0 - 0
Record vs Spread on Road: 0 - 0 - 0
Projected Score
Memphis 39
Charlotte 15

Projected Total Points: 54
Charlotte Scoring
Offense: 14.3 PPG
Offense at Home: 17.2
Defense: 36.3 PPG
Defense at Home: 35.7

Charlotte's 2026 Record
Record: 0 - 0
Record vs Spread: 0 - 0 - 0
Over/Under Record: 0 - 0
Record at home: 0 - 0
Record vs Spread at home: 0 - 0 - 0


YearDateHomeScoreAwayScoreSpreadCoverTotalO/U
202410/26Memphis33Charlotte28Memphis -17.0Charlotte56.5Over
202311/11Charlotte38Memphis44Memphis -9.5Charlotte51.5Over
TeamWinsCoversO/U
Charlotte022 Overs
Memphis200 Unders

WinsCoversFavsDogs
Home Teams1 - 11 - 10 - 11 - 0
Road Teams1 - 11 - 10 - 11 - 0

(#58) MEM at (#123) CHAR
Overall StatsOvr
CategoryCatMEMCHAR
Net PPPPPPNRNR
Power RatePwr #58 #123
SP+SP+ #39 #134
Perf GradeGradeNRNR
OffenseOffNRNR
DefenseDefNRNR
Spec TeamsSTNRNR
TalentTal #49 #98
Blue ChipsBC% #72 #103
Memphis Notes
(2/2) HC Huff good hire, OC Decker (ODU) great hire
Memphis Injury Report
Charlotte Notes
(2/26) Vibes: Albin good HC, but Def will be awful again
(2/26) QB Loftis/Harrell were meh. Gonzales was FCS hit
(2/26) RBs 3 portal adds should boost bad unit LY
(2/26) WR 4 portals, 3 very prod Barnes/Pedro/Collick
(2/26) OL 2 back, 4 portal adds. Bot 5 rush off LY
(2/26) Def did not add enough, was near worst in CFB
(2/26) Better learn how to score, bc Def will be toast
Charlotte Injury Report
Memphis on Offense
Balanced offense, Pass: 50%, Run: 48%
CategoryCat
MEM OffCHAR Def
PPPOffPPPNRNR
Perf GradePerfNRNR
SuccessSuc #40 #136
ExplosiveExp #31 #3
PPAPPA #24 #124
PowerPwr #46 #133
SP+SP+ #21 #132
Pts POPPO #23 #114
HavocHav #49 #134
Memphis Run Game
Balanced offense, Pass: 50%, Run: 48%
CategoryCat
MEM OffCHAR Def
Run GameRunNRNR
Run SuccessRSuc #12 #136
Run ExplRExp #7 #20
PPAExp #5 #129
Run BlockR BlkNR -
OL YdsOLY #11 #130
Stuff RateStuff #75 #132
TackleTak - NR
Memphis Pass Game
Balanced offense, Pass: 50%, Run: 48%
CategoryCat
MEM OffCHAR Def
Pass GamePassNRNR
Pass SuccessPSuc #70 #135
Pass ExplPExl #95 #4
PPAExp #80 #112
Pass Rush/BlockP BlkNRNR
F7 HavocF7 #98 #129
DB HavocDB #14 #135
Charlotte on Offense
Pass heavy Offense 54%, Run: 44%
CategoryCatCHAR OffMEM Def
PPPDefPPPNRNR
Perf GradePerfNRNR
SuccessSuc #133 #66
ExplosiveExp #49 #104
PPAPPA #136 #92
PowerPwr #103 #74
SP+SP+ #132 #75
Pts POPPO #131 #100
HavocHav #121 #30
Charlotte Run Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffMEM Def
Run GameRunNRNR
Run SuccessRSuc #134 #32
Run ExplRExp #136 #81
PPAExp #136 #32
Run BlockR BlkNR -
OL YdsOLY #135 #13
Stuff RateStuff #127 #29
TackleTak - NR
Charlotte Pass Game
Pass heavy Offense 54%, Run: 44%
CategoryCatCHAR OffMEM Def
Pass GamePassNRNR
Pass SuccessPSuc #123 #110
Pass ExplPExl #10 #105
PPAExp #118 #118
Pass Block/RushP BlkNRNR
F7 HavocF7 #121 #28
DB HavocDB #99 #47
Program Comparison
CHAR 5 Year Profile: Consistent Poor G5
'26 Profile: Remains Poor G5

MEM 5 Year Profile: Consistent Below Avg P4
'26 Profile: Up to Average P4

Weather Forecast
Playing in Jerry Richardson Stadium
Conditions:
Temp: 0°
Previous Matchups
Memphis beat Charlotte in 2024 (33-28)
Memphis beat Charlotte in 2023 (44-38)

  
MEM's OC Kevin Decker (in his first season)
Player NameCOMPATTPCTYDSTDINTYPA
Air Noland (Tr)2367%13004.3
Brady Kluse11100%140014.0
Player NameCARYDSTDYPCLONG
Dallan Hayden (Tr)7032614.742
Manny Covey (Tr)2719417.236
Tychaun Chapman (Tr)112012.012
Air Noland (Tr)1404.04
Player NameRECYDSTDYPCLONG
Tychaun Chapman (Tr)24444318.550
Hunter Tipton (Tr)39411210.537
Brady Kluse22240210.925
Justin Hughes9132014.733

View Memphis's Full Roster

MEM's DC Lance Guidry (in his first season)
Top DefTackTFLSACKSPRESSPD
Michael Montgomery (Tr)1066302
Ian Foster (Tr)764127
J'Mond Tapp (Tr)69128102
Ahmere Foster (Tr)471012
SacksTackTFLSACKSPRESSPD
J'Mond Tapp (Tr)69128102
Michael Montgomery (Tr)1066302
Taylor Burton112112
Ian Foster (Tr)764127
Pass DTackTFLSACKSPRESSPD
Anthony Richard271008
Ian Foster (Tr)764127
Michael Montgomery (Tr)1066302

CHAR's OC Todd Fitch (in his second season)
Player NameCOMPATTPCTYDSTDINTYPA
Grayson Loftis12823255%1415886.1
Conner Harrell649667%737427.7
Player NameCARYDSTDYPCLONG
Cameren Smith6222003.513
Jariel Cobb5119003.721
Conner Harrell286722.419
Khamani Alexander (Tr)125004.27
Player NameRECYDSTDYPCLONG
Cam Pedro (Tr)65814412.559
Zyheem Collick (Tr)35670419.172
Jaden Barnes (Tr)55608711.159
Sean Brown36508114.146

View Charlotte's Full Roster

CHAR's DC Nate Faanes (in his second season)
Top DefTackTFLSACKSPRESSPD
Kadin Schmitz651032
Gavin Willis554012
CJ Clinkscales490000
Collin Gill351011
SacksTackTFLSACKSPRESSPD
Macyo Williams41100
Jaylon Johnson202130
Braden Mullen193121
Kadin Schmitz651032
Pass DTackTFLSACKSPRESSPD
Kadin Schmitz651032
Gavin Willis554012
Collin Gill351011