Charlotte at Temple - 2026 Matchup Preview
Charlotte logo   Charlotte 49ers at Temple Owls  Temple logo
Saturday, October 17th 2026 (12:00 PM EDT)
Lincoln Financial Field - Philadelphia, PA  (American Athletic)

 
49ers (0 - 0) (0 - 0 - 0)
Coach Tim Albin (1 - 11)
Avg Score : 14 - 36 (12 - 38 on Road)
Record Prediction: 1.8 - 10.2 (#90)
'26 Opponents: (Elite: 1) (Good: 0) (Avg: 3) (Bad: 7)
CHAR 2nd straight Road Game
TEM 2nd straight Home Game
TEM is playing their 7th straight game
CHAR is playing their 7th straight game
Our Line: Temple -18.5  (SP+ TEM -22)
Projected Score: CHAR: 17 - TEM: 36 (53)
TEM Win prob: 91% | Cover: 44%
CHAR Travel: 440 miles
Owls (0 - 0) (0 - 0 - 0)
Coach K. C. Keeler (5 - 7)
Avg Score : 28 - 30 (24 - 31 @ Home)
Record Prediction: 5.7 - 6.3 (#61)
'26 Opponents: (Elite: 1) (Good: 1) (Avg: 3) (Bad: 6)
 
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
Temple's 2026 Schedule
DateMatchupSpreadTotalResultO/UCover
Sat 9/5 Temple vs Rhode Island-18.5
Sat 9/12 Temple vs Penn State+19.5
Sat 9/19 Temple at Toledo+10.5
Sat 9/26 Temple vs Army+0
Sat 10/3 Temple at South Florida+15
Sat 10/10 Temple vs UConn-0
Sat 10/17 Temple vs Charlotte-18.5
BYE WEEK
Sat 10/31 Temple at East Carolina+10.5
Sat 11/7 Temple at Navy+7.5
Sat 11/14 Temple vs UAB-13
Thu 11/19 Temple vs Rice-11.5
Sat 11/28 Temple at Memphis+13.5

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

Predictions for Temple'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
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
TEM#46 (.2)44% (46)27.844% (60)2.8 (97)14845% (37)1984.58 (13)#132 (.28)46% (125)29.749% (130)43% (88)4.77 (136)50.30.31.3
 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
CHAR0%0%000%000%0%0%0000
TEM0%0%000%000%0%0%0000



Overall Stats 2025
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
CHAR Offense1214.311.634.2%2.731.916286822042.744%54%34%35%19%-.01
TEM Defense1229.730.746.3%4.771.3 - - - - - 57%42%49%43%15%.28
 Teams                  GamesPPGPPG H/RSuccess RatePts PerOppTO1stD PGTotalYds PGRushYds PGPassYdsPGRYPARun RatePass RateRun SuccessPass SuccessHavoc RateTotal PPA
CHAR Defense1236.337.653.9%4.161.3 - - - - - 51%47%55%53%11%.26
TEM Offense1227.823.844.4%4.580.3183451481984.550%49%44%45%14%.2

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
Charlotte1228:0615.635%46%6.150.81.91.341.2127.6
Temple1230:0818.338%74%550.30.31.34.61.3128.2
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
CHAR Offense1244% (114)34% (134)30.381.82.75 (122)-.15 (136)2.13 (135)61% (125)12% (121)0.66 (136)
TEM Defense1257% (130)49% (130) - - - - .22 (128)3.37 (133)74% (90)9% (86)0.97 (75)
 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 Defense1251% (88)55% (136) - - - - .22 (129)3.33 (130)81% (124)7% (129)0.86 (20)
TEM Offense1250% (63)44% (60)33.2147.84.513 (78).09 (82)2.8 (97)60% (130)9% (67)0.86 (116)

Pass Game Stats (2026)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
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)
TEM Defense1242% (6)43% (88) - - - - - - 7 (38).39 (123)1.7 (114)28% (127)33% (110).42 (117)6% (81)1.8 (19)
 Teams                  GamesPassPlay RatePassPlay SuccessComp PGAtt PGYds PGYds PAYds PCTDs    Ints    PassPlays PPAPassPlays ExplPassDowns RatePassDowns Succ RatePassDowns PPADB HavocPassDowns Expl
CHAR Defense1247% (59)53% (135) - - - - - - 7 (123).34 (112)1.3 (4)24% (136)35% (127).42 (119)4% (135)2 (74)
TEM Offense1249% (68)45% (37)17.929197.56.81128 (8)2 (1).35 (36)1.5 (87)31% (64)27% (99).2 (107)5% (35)1.8 (127)

Charlotte's Power Ratings
Charlotte's Power Rating: -14.80  #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

Power Ratings Matchup
Charlotte: -14.80   Temple: -2.425

SP+ Ratings Matchup
Charlotte: -26.7   Temple: -5.1




Temple's Power Ratings
Temple's Power Rating: -2.425  #86
Temple's Offense Rating: 14.65  #60
Temple's Defense Rating: 24.40  #128
2026 Talent Rating: 698.00  #76
Blue Chip Ratio: 2  #72
Temple's 2026 Expected Record: 5.7 - 6.3
Temple's 2026 Overall SP+ Rating: -5.1  #88
Temple's Offense SP+ Rating: 27.1  #68
Temple's Defense SP+ Rating: 33.2  #109

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


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

Charlotte'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
Temple 36
Charlotte 17

Projected Total Points: 53
Temple Scoring
Offense: 27.8 PPG
Offense at Home: 23.8
Defense: 29.7 PPG
Defense at Home: 30.7

Temple'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
202510/18Charlotte14Temple49Temple -10Temple47.5Over
201609/24Temple48Charlotte20Temple -29.5Charlotte52.0Over
201510/02Charlotte3Temple37Temple -23.5Temple43.0Under
TeamWinsCoversO/U
Temple322 Overs
Charlotte011 Unders

WinsCoversFavsDogs
Home Teams1 - 20 - 30 - 10 - 2
Road Teams2 - 13 - 02 - 01 - 0

(#123) CHAR at (#86) TEM
Overall StatsOvr
CategoryCatCHARTEM
Net PPPPPPNRNR
Power RatePwr #123 #86
SP+SP+ #134 #88
Perf GradeGradeNRNR
OffenseOffNRNR
DefenseDefNRNR
Spec TeamsSTNRNR
TalentTal #98 #76
Blue ChipsBC% #103 #72
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
Temple Notes
(2/25) Vibes: Excited, Owls should bowl, strong run game
(2/25) HC Keeler a good one, look to bowl after 5 wins
(2/25) QB1? Smolik (PSU) vs Sheppard (WSU) likely
(2/25) RB H Smith back, Brown (RU) added. Have depth
(2/25) WR has a decent stable, 2 productive FCS adds
(2/25) TE Peter Clarke is a big target, a top G5 option
(2/25) OL has 4 good starters and depth options. Strong
(2/25) DL is a ?, LB unit looks strong. CBs very green
Temple Injury Report
Charlotte on Offense
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTEM Def
PPPOffPPPNRNR
Perf GradePerfNRNR
SuccessSuc #133 #125
ExplosiveExp #49 #69
PPAPPA #136 #132
PowerPwr #103 #128
SP+SP+ #132 #109
Pts POPPO #131 #136
HavocHav #121 #94
Charlotte Run Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTEM Def
Run GameRunNRNR
Run SuccessRSuc #134 #130
Run ExplRExp #136 #75
PPAExp #136 #128
Run BlockR BlkNR -
OL YdsOLY #135 #133
Stuff RateStuff #127 #131
TackleTak - NR
Charlotte Pass Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTEM Def
Pass GamePassNRNR
Pass SuccessPSuc #123 #88
Pass ExplPExl #10 #114
PPAExp #118 #123
Pass Rush/BlockP BlkNRNR
F7 HavocF7 #121 #86
DB HavocDB #99 #81
Temple on Offense
Balanced offense, Pass: 49%, Run: 50%
CategoryCatTEM OffCHAR Def
PPPDefPPPNRNR
Perf GradePerfNRNR
SuccessSuc #46 #136
ExplosiveExp #110 #3
PPAPPA #46 #124
PowerPwr #60 #133
SP+SP+ #68 #132
Pts POPPO #13 #114
HavocHav #52 #134
Temple Run Game
Balanced offense, Pass: 49%, Run: 50%
CategoryCat
TEM OffCHAR Def
Run GameRunNRNR
Run SuccessRSuc #60 #136
Run ExplRExp #116 #20
PPAExp #82 #129
Run BlockR BlkNR -
OL YdsOLY #97 #130
Stuff RateStuff #87 #132
TackleTak - NR
Temple Pass Game
Balanced offense, Pass: 49%, Run: 50%
CategoryCatTEM OffCHAR Def
Pass GamePassNRNR
Pass SuccessPSuc #37 #135
Pass ExplPExl #87 #4
PPAExp #36 #112
Pass Block/RushP BlkNRNR
F7 HavocF7 #67 #129
DB HavocDB #35 #135
Program Comparison
TEM 5 Year Profile: Improving Below Avg G5
'26 Profile: Up to Average G5

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

Weather Forecast
Playing in Lincoln Financial Field
Conditions:
Temp: 0°
Previous Matchups
Temple beat Charlotte last year (49-14)

  
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

TEM's OC Tyler Walker (in his second season)
Player NameCOMPATTPCTYDSTDINTYPA
Player NameCARYDSTDYPCLONG
Hunter Smith6240326.572
Keveun Mason2816716.029
Colin Chase126905.821
Samuel Brown V (Tr)163802.49
Player NameRECYDSTDYPCLONG
Jayce Freeman (Tr)41774818.965
Jovanni Bermudez39501412.838
Peter Clarke30483616.150
Colin Chase40414410.442

View Temple's Full Roster

TEM's DC Brian Smith (in his second season)
Top DefTackTFLSACKSPRESSPD
Curly Ordonez698113
Avery Powell541001
Eric Stuart442010
Pooh Lawton232001
SacksTackTFLSACKSPRESSPD
JaMair Diaz (Tr)141120
Curly Ordonez698113
Russell Sykes134100
Earl Kulp50000
Pass DTackTFLSACKSPRESSPD
Curly Ordonez698113
Jayvant Brown121001
Avery Powell541001