Wk 7 · 2026
Charlotte 49ers at Temple Owls — Sat, Oct 17
Sat, Oct 17 ·
Lincoln Financial Field, Philadelphia, PA
· ESPN+
American · 0-6
at
1:00pET
no line posted yet
Ratings differential TEM by 20.5
American · 2-4
What is at stake
A American game — it counts in the standings that decide that league's championship game. Run the race.
What the ratings imply
The differential above is arithmetic on two published numbers:
The CFB King’s 2026 final efficiency ratings, plus
2.4 points of home field.
It is not a projection, a value, an edge or a lean, and nothing on this site
compares it with the betting line to tell you one is better. Until 2026
games are played it is last season’s measurement of two teams that have
changed.
Efficiency · 2026 ratings
Efficiency margin
Offense (pts/100)
Defense (pts/100)
Pace (plays/g)
Yards / play
Yards / play allowed
Opponent-adjusted ratings from The College
King's 2026 final numbers. Bars share a scale within each row, so
the two lengths are comparable; the brighter side is the better of the two, and a
longer bar is the better number — including the rows where a lower figure is the
good one. Pace is the exception: it is how fast a team plays, not how well, so
neither side is lit and a longer bar there means only more plays.
Team stats · 2026 per game
Points / game
Points allowed
Yards / game
Yards allowed
Pass yds allowed
Rush yds allowed
Turnovers / game
From completed 2026 box scores;
defensive yardage covers the regular season and conference championships.
Charlotte form
L 10-50at UNTL 8-59vs MEML 7-34vs ULL 21-26at APPL 9-41at MISS
2026 season
Temple form
L 20-34vs CONNW 17-13at USFL 17-21vs ARMYL 48-49at TOLL 9-27vs PSU
2026 season
Charlotte this season
Straight up0-6 · 0% (6 games)
Against the spread2-4 · 33% (6 games)
Over / under3-3 · 50% (6 games)
Temple this season
Straight up2-4 · 33% (6 games)
Against the spread4-2 · 67% (6 games)
Over / under2-4 · 33% (6 games)
Lines are captured from ESPN's board before kickoff and locked at kickoff, so an in-play price cannot overwrite the number a game is graded against.
Common opponents · 4
| Opponent | Charlotte | Temple |
|---|---|---|
| Memphis American | vs L 8-59 preview | at Wk 13 · scheduled preview |
| UAB American | at Wk 10 · scheduled preview | vs Wk 11 · scheduled preview |
| East Carolina American | vs Wk 11 · scheduled preview | at Wk 9 · scheduled preview |
| Navy American | vs Wk 13 · scheduled preview | at Wk 10 · scheduled preview |
Open these two in the
comparison tool for every shared and unshared opponent.
Series history · 2006–2026
Since 2006, Temple leads 3–0 · Temple has won the last 3
3 meetings
in 2006–2026 · average margin
32.3 points toward Temple
| Yr | Date | Result | Site | Won |
|---|---|---|---|---|
| 2025 | 2025-10-18 | Temple 49 — 14 Charlotte | at CLT | Temple |
| 2016 | 2016-09-24 | Charlotte 20 — 48 Temple | at TEM | Temple |
| 2015 | 2015-10-02 | Temple 37 — 3 Charlotte | at CLT | Temple |
Charlotte leaders 2026 regular season
| Passing | Cole Gonzales QB #9 | 79/127, 802 YDS, 3 TD, 7 INT |
| Conner Harrell QB #15 | 13/19, 93 YDS | |
| Rushing | Khamani Alexander RB #5 | 44 CAR, 201 YDS, 3 TD |
| Henry Rutledge RB #21 | 23 CAR, 170 YDS, 1 TD | |
| Chance Williams RB #7 | 20 CAR, 116 YDS | |
| Receiving | Jaden Barnes WR #1 | 26 REC, 249 YDS |
| Jaylen Hampton WR #2 | 20 REC, 224 YDS, 2 TD | |
| Derrick Eley WR #89 | 12 REC, 189 YDS, 1 TD | |
| Khamani Alexander RB #5 | 7 REC, 47 YDS |
Defense
| Tackles | Gavin Willis LB #13 | 44 |
| Kadin Schmitz LB #19 | 34 | |
| Collin Gill DB #0 | 31 | |
| Sacks | Collin Gill DB #0 | 2 |
| DJ Burgess DL #7 | 1 | |
| Kadin Schmitz LB #19 | 1 | |
| Interceptions | Collin Gill DB #0 | 1 |
| Devon St. Clair DB #26 | 1 |
Temple leaders 2026 regular season
| Passing | Ajani Sheppard QB #13 | 40/72, 631 YDS, 6 TD |
| Jaxon Smolik QB #14 | 14/23, 116 YDS, 1 TD, 1 INT | |
| Rushing | Keveun Mason RB #26 | 68 CAR, 361 YDS, 2 TD |
| Ajani Sheppard QB #13 | 47 CAR, 234 YDS, 3 TD | |
| Samuel Brown V RB #5 | 25 CAR, 205 YDS, 2 TD | |
| Receiving | Colin Chase WR #1 | 9 REC, 201 YDS, 2 TD |
| Jayce Freeman WR #10 | 8 REC, 162 YDS, 1 TD | |
| Samuel Brown V RB #5 | 4 REC, 105 YDS, 2 TD | |
| JoJo Bermudez WR #17 | 12 REC, 99 YDS, 1 TD |
Defense
| Tackles | Curly Ordonez LB #33 | 50 |
| Saboor Karriem S #2 | 35 | |
| Eric Stuart LB #8 | 23 | |
| Sacks | Jaylon Joseph LB #10 | 1 |
| Curly Ordonez LB #33 | 1 | |
| Kevin Hornbeak Jr. DL #93 | 1 | |
| Interceptions | Tyree Alualu LB #44 | 1 |
| Jamarcus Pierre S #24 | 1 |
These are regular-season totals for
the season named on each card — the players who led that team that year,
taken from ESPN's team leaders. That list is keyed to the season, not to today's
roster, so a leader who has since transferred or run out of eligibility still
appears against the year he earned it; the
roster
pages and the depth chart on each team page are where the current squad is.
A team switches to this season's numbers once it has played a game. The roster
pages count bowl games too, so a player's two lines can differ by a game.