14 Final 28 9 Final 20 7 Final 42 14 Final 51 7 Final 38 31 Final 35 45 Final 19 9 Final 56 24 Final 34 0 Final 34 20 Final 27 13 Final 16 14 Final 62 48 Final 45 0 Final 66 17 Final 45 3 Final 77 22 Final 44 10 Final 42 7 Final 55 22 Final 32 31 Final 42 0 Final 70 36 Final 27 12 Final 59 43 Final 36 13 Final 20 6 Final 45 24 Final 38 16 Final 27 30 Final 23 7 Final 31 20 Final 34 17 Final 72 27 Final 26 6 Final 28 33 Final 30 3 Final 69 17 Final 45 7 Final 31 10 Final 17 10 Final 42 18 Final 16 20 Final 38 17 Final 20 14 Final 56 21 Final 20 6 Final 54 3 Final 56 14 Final 56 9 Final 63 3 Final 35 33 Final 31 24 Final 21 21 Final 45 17 Final 21 38 Final 16 20 Final 3 7 Final 68 10 Final 38 3 Final 45 35 Final 9 28 Final 23 40 Final 42 20 Final 59 13 Final 24 0 Final 68 44 Final 20 0 Final 13 17 Final 34 7 Final 23 20 Final 24 3 Final 42 0 Final 73 23 Final 30 10 Final 34 14 Final 21 17 Final 42 3 Final 48 13 Final 36 3 Final 27 10 Final 70 20 Final 37
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

By · Last updated

Charlotte defeated Monmouth 42–35 in a one-score game. Blue Chip Analytics had rated Monmouth 7.9 points stronger on a neutral field.

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 None
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 —
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 —

What are the key factors for Monmouth vs Charlotte?

Monmouth: Key Factors

Charlotte: Key Factors

What happened in the game?

Monmouth travels 503 miles to this game, a moderate road trip.

Charlotte won by 7 in a one-score game.

Does weather affect this game at Jerry Richardson Stadium?

At 25.1°F, this is a cold-weather game. Cold conditions below 35°F historically compress scoring and reduce passing efficiency, favouring unders and run-heavy offences.

Full conditions are shown in the data panel above. Forecast data sourced from WeatherAPI.com. Use the Line Value Calculator to apply a manual weather adjustment to your projected line.

How do Monmouth and Charlotte compare on power ratings?

Blue Chip Analytics power ratings favour Monmouth (-14.0) over Charlotte (-21.9) by 7.9 points on a neutral field. Despite playing at home, Charlotte faces a power rating deficit. Check whether the market spread accounts for this gap. Charlotte brings a modest home field advantage to this matchup (Blue Chip HFA: 1.7). Add this to the neutral-site differential to arrive at a venue-adjusted line.

Blue Chip Analytics power ratings represent expected point margin against an average FBS opponent on a neutral field, calculated from game data sourced via CollegeFootballData.com (CFBD). They are one input — cross-reference with the travel, rest, and weather data above before drawing conclusions.

Where can I find more data on Monmouth and Charlotte?

Sources

Game & Team Data

Weather

Model & Methodology

Charlotte won this game.