Week 3 • September 13, 2025, 10:00 PM UTC
Monmouth @ Charlotte
0-0
FCS
Power Rank: -14
35 FINAL 42
0-2
American
Power Rank: -21.9
Monmouth @ Charlotte Preview

General Information

Week: Week 3
Kick Off (at stadium): 06:00 PM EDT
Stadium: Jerry Richardson Stadium
Capacity: 15,314
Elevation: 643 ft
HFA Rating: 1.7
Playing Surface: Artifical Turf

Betting Information

Spread -
Total (O/U) -
Expected Score -
Power Rank Implied Line Monmouth +7.9
Prediction Markets Charlotte 58% Win Chance (Kalshi)

Weather Conditions

Forecast for: February 02, 2026
Freezing fog

Freezing fog

25.1°F

Wind Chill: 21.9°F
Wind: 2.5 mph SW
Gusts: 5.2 mph
Precipitation: 0.0"
Humidity: 98%
Rain Chance: 0%
Snow Chance: 0%

Travel & Rest

Monmouth (Away)

This Week: 502.8 miles
Last Week: No Game
Season Total: 1508.4 miles
Body Clock Time: 18:00
Rest Days: 7

Charlotte (Home)

This Week: 0.0 miles
Last Week: Home Game
Season Total: 1336.3 miles
Body Clock Time: 18:00
Rest Days: 7

⚡ Line Value Calculator

Adjust factors to calculate your projected line

Betting Information
Current Line None None
Total Points --
Blue Chip Analytics Power Rating
Monmouth -14
Charlotte -21.9
✈️ Travel Impact
Away Team Travel 503 mi
Home Team Travel 0 mi
Rest Even
🏟️ HFA: Jerry Richardson Stadium
Capacity 15,314
Elevation 643 ft
🌤️ Weather: Freezing fog
Temperature 25.1°F
Wind Speed 2.5 mph
Your Line Charlotte -7.9
💰 Implied Value --

College Football Lines - Factors and Insights

Charlotte

Offensive struggles continue across all phases

Charlotte managed only 271 total yards and struggled in every offensive facet, including pass protection and run blocking. The 49ers averaged just 0.7 yards per carry (21 yards on 29 carries), indicating serious issues with their ground game that will need addressing before facing Monmouth.

Critical red zone execution failure

The 49ers had a golden opportunity to make the game competitive in the third quarter but failed to convert on fourth-and-6 in the end zone when receiver E. Jai Mason dropped a catchable pass. This type of missed opportunity in crucial moments could be costly against future opponents.

Quarterback play remains inconsistent

Conner Harrell completed 17 of 29 passes for only 140 yards, showing limited ability to generate explosive plays through the air. His reaction to the dropped touchdown pass demonstrated the frustration with missed opportunities that the offense continues to face.

Lack of offensive playmakers evident

Charlotte appears to lack a true game-breaking offensive weapon, as evidenced by their inability to generate big plays or sustain drives consistently. This deficiency will make it difficult to keep pace with opponents and puts additional pressure on their defense.

Defensive effort shows some positives despite loss

While Charlotte lost 20-3, they held North Carolina to a relatively modest offensive output and kept the game from becoming a blowout. The defense will need to continue this level of play while the offense works to find its identity against Monmouth.