Charlotte at Tulsa - 2026 Matchup Preview
Charlotte logo   Charlotte 49ers at Tulsa Golden Hurricane  Tulsa logo
Saturday, November 21st 2026 (12:00 PM EST)
at H. A. Chapman Stadium - Tulsa, OK  (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)
TLSA 2nd straight Home Game
CHAR is playing their 4th straight game
Our Line: Tulsa -17  (SP+ TLSA -17)
Projected Score: CHAR: 18 - TLSA: 35 (52)
TLSA Win prob: 90% | Cover: 52%
CHAR Travel: 854 miles, 1 hrs ahead
Golden Hurricane (0 - 0) (0 - 0 - 0)
Coach Tre Lamb (4 - 8)
Avg Score : 23 - 29 (27 - 27 @ Home)
Record Prediction: 6.4 - 5.6 (#54)
'26 Opponents: (Elite: 0) (Good: 0) (Avg: 2) (Bad: 9)
 
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+19
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
Tulsa's 2026 Schedule
DateMatchupSpreadTotalResultO/UCover
Sat 9/5 Tulsa vs Oklahoma State+0.5
Sat 9/12 Tulsa at Sam Houston-13.5
Sat 9/19 Tulsa vs East Texas A&M-17
Sat 9/26 Tulsa at Arkansas+13.5
Thu 10/1 Tulsa vs North Texas+8
Sat 10/10 Tulsa at Navy+9
Sat 10/17 Tulsa at Rice-5
Fri 10/23 Tulsa vs Army+1.5
BYE WEEK
Sat 11/7 Tulsa at Tulane+9.5
Sat 11/14 Tulsa vs Florida Atlantic-4.5
Sat 11/21 Tulsa vs Charlotte-17
Sat 11/28 Tulsa at UTSA+9

Total: Elite: 0, Good: 0, Avg 2, Bad 5, Poor 4
Played: Elite: 0, Good: 0, Avg 0, Bad 0, Poor 0
Future: Elite: 0, Good: 0, Avg 2, Bad 5, 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 Tulsa'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
TLSA#105 (.11)40% (97)23.242% (88)2.87 (79)17638% (105)2233.34 (106)#60 (.15)43% (81)28.942% (65)44% (100)3.78 (77)38.21.60.9
 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
TLSA0%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
TLSA Defense1228.927.242.5%3.780.9 - - - - - 56%43%42%44%13%.15
 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
TLSA Offense1223.227.340.4%3.341.6223991762234.451%47%42%38%17%.11

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
Tulsa1228:3322.238%57%5.138.21.60.95.31.9027.4
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)
TLSA Defense1256% (127)42% (65) - - - - .06 (47)2.92 (76)67% (36)9% (99)0.94 (58)
 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)
TLSA Offense1251% (56)42% (88)40.41764.418 (107).05 (101)2.87 (79)60% (127)11% (111)1.03 (47)

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)
TLSA Defense1243% (14)44% (100) - - - - - - 7 (55).28 (84)1.5 (52)29% (115)31% (92).28 (65)4% (131)1.8 (15)
 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)
TLSA Offense1247% (82)38% (105)20.134.1222.56.511.115 (86)10 (108).15 (114)1.5 (104)32% (80)28% (89).26 (87)6% (78)1.9 (106)

Charlotte's Power Ratings
Charlotte's Power Rating: -14.80  #123
Charlotte's Offense Rating: 6.59  #105
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: 729.79

Power Ratings Matchup
Charlotte: -14.80   Tulsa: -3.755

SP+ Ratings Matchup
Charlotte: -26.7   Tulsa: -10.0




Tulsa's Power Ratings
Tulsa's Power Rating: -3.755  #81
Tulsa's Offense Rating: 8.48  #95
Tulsa's Defense Rating: 15.99  #68
2026 Talent Rating: 622.00  #89
Blue Chip Ratio: 0  #103
Tulsa's 2026 Expected Record: 6.4 - 5.6
Tulsa's 2026 Overall SP+ Rating: -10.0  #104
Tulsa's Offense SP+ Rating: 21.7  #105
Tulsa's Defense SP+ Rating: 33.1  #107

Average Talent
Average American Athletic Talent Rating is 576.71
Average Power Five Talent: 912.75
Average FBS Talent: 729.79


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
Tulsa 35
Charlotte 18

Projected Total Points: 52
Tulsa Scoring
Offense: 23.2 PPG
Offense at Home: 27.3
Defense: 28.9 PPG
Defense at Home: 27.2

Tulsa'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
202311/04Tulsa26Charlotte33Tulsa -4.5Charlotte47.5Over
TeamWinsCoversO/U
Tulsa001 Overs
Charlotte110 Unders

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

(#123) CHAR at (#81) TLSA
Overall StatsOvr
CategoryCatCHARTLSA
Net PPPPPPNRNR
Power RatePwr #123 #81
SP+SP+ #134 #104
Perf GradeGradeNRNR
OffenseOffNRNR
DefenseDefNRNR
Spec TeamsSTNRNR
TalentTal #98 #89
Blue ChipsBC% #103 #103
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
Charlotte on Offense
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTLSA Def
PPPOffPPPNRNR
Perf GradePerfNRNR
SuccessSuc #133 #81
ExplosiveExp #49 #44
PPAPPA #136 #60
PowerPwr #105 #68
SP+SP+ #132 #107
Pts POPPO #131 #77
HavocHav #121 #121
Charlotte Run Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTLSA Def
Run GameRunNRNR
Run SuccessRSuc #134 #65
Run ExplRExp #136 #58
PPAExp #136 #47
Run BlockR BlkNR -
OL YdsOLY #135 #76
Stuff RateStuff #127 #76
TackleTak - NR
Charlotte Pass Game
Pass heavy Offense 54%, Run: 44%
CategoryCat
CHAR OffTLSA Def
Pass GamePassNRNR
Pass SuccessPSuc #123 #100
Pass ExplPExl #10 #52
PPAExp #118 #84
Pass Rush/BlockP BlkNRNR
F7 HavocF7 #121 #99
DB HavocDB #99 #131
Tulsa on Offense
Balanced offense, Pass: 47%, Run: 51%
CategoryCatTLSA OffCHAR Def
PPPDefPPPNRNR
Perf GradePerfNRNR
SuccessSuc #97 #136
ExplosiveExp #59 #3
PPAPPA #105 #124
PowerPwr #95 #133
SP+SP+ #105 #132
Pts POPPO #106 #114
HavocHav #104 #134
Tulsa Run Game
Balanced offense, Pass: 47%, Run: 51%
CategoryCat
TLSA OffCHAR Def
Run GameRunNRNR
Run SuccessRSuc #88 #136
Run ExplRExp #47 #20
PPAExp #101 #129
Run BlockR BlkNR -
OL YdsOLY #79 #130
Stuff RateStuff #125 #132
TackleTak - NR
Tulsa Pass Game
Balanced offense, Pass: 47%, Run: 51%
CategoryCatTLSA OffCHAR Def
Pass GamePassNRNR
Pass SuccessPSuc #105 #135
Pass ExplPExl #104 #4
PPAExp #114 #112
Pass Block/RushP BlkNRNR
F7 HavocF7 #111 #129
DB HavocDB #78 #135
Program Comparison
TLSA 5 Year Profile: Consistent Below Avg G5
'26 Profile: Remains Below Avg G5

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

Weather Forecast
Playing in at H. A. Chapman Stadium
Conditions:
Temp: 0°
Previous Matchups
Charlotte beat Tulsa in 2023 (33-26)

  
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

TLSA's OC Ty Darlington (in his second season)
Player NameCOMPATTPCTYDSTDINTYPA
Baylor Hayes18631659%21591266.8
Dexter Williams II (Tr)6712554%787636.3
Player NameCARYDSTDYPCLONG
Trequan Jones (Tr)10579267.593
DJ McKinney (Tr)11146474.254
Baylor Hayes9518832.024
Dexter Williams II (Tr)4115333.716
Player NameRECYDSTDYPCLONG
Javon Ross (Tr)50603312.179
David Wells Jr. (Tr)44466410.656
Grayson Tempest22272112.451
Josh Smith9201122.343

View Tulsa's Full Roster

TLSA's DC Mike Gray (in his second season)
Top DefTackTFLSACKSPRESSPD
Zach Williams731007
William Alexander661010
Elijah Green592007
Devin Robinson506002
SacksTackTFLSACKSPRESSPD
Thomas Davis (Tr)256320
Dax Collins101100
Tai Newhouse392110
Zach Williams731007
Pass DTackTFLSACKSPRESSPD
Zach Williams731007
Elijah Green592007
Caldra Williford (Tr)161004