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Week 8 •
Jerry Richardson Stadium

Temple49 @FINAL 14Charlotte

3-3 American Power rating: -9.4
1-5 American Power rating: -20.6

By · Last updated

How did the line hold up?

Market line
TEM -10.0
PM Implied
TEM -8.5
Blue Chip model
TEM -10.1
Edge
-0.1TEM
See details
◂ favors TEMfavors COLLE ▸Market: TEM -10.0
‹ 11.2 TEM
The power ratings row was edited directly, please click reset to adjust by team
COLLE
no impact
no impact
no impact
no impact
1 TEM1 COLLE2 TEM2 COLLEModel: TEM -10.1

Betting information

Spread
TEM -10.0
Total
47.5
Odds implied score
TEM 28.8 – 18.8 COLLE
Prediction markets
TEM 81% win chance (Kalshi)

DraftKings · as of July 8, 2026

Temple defeated Charlotte 49–14 in a dominant performance. Temple covered by 25.0; Game went Over by 15.5. The market closed at Temple -10.0 and the Blue Chip model made it Temple -10.1. The two were within a point of each other, so there was no meaningful edge in this line.

What are the key factors for Temple vs Charlotte?

Temple

Explosive second and third quarters

After a 7-7 tie in the first quarter, Temple scored 42 unanswered points in the second and third quarters, demonstrating an ability to dominate offensively and defensively in a short span.

Defensive touchdowns provide momentum

Temple's defense scored two touchdowns (a 64-yard interception return and a 73-yard fumble return), which not only added points but also shifted momentum decisively in their favor.

Balanced offensive attack

Quarterback Evan Simon threw for 194 yards and three touchdowns, while Jay Ducker rushed for 114 yards and a touchdown, showing a balanced offense that can exploit defenses through both air and ground.

Key receiver emerges

Kajiya Hollawayne caught five passes for 85 yards, including a 46-yard touchdown, establishing himself as a reliable deep threat for Simon.

Total yardage edge

Temple outgained Charlotte 384-357 in total yards, indicating a slight but meaningful advantage in offensive production that could be replicated against future opponents.

Charlotte

Rushing attack showed promise

Charlotte had 199 total rushing yards with five players each gaining over 20 yards, indicating a balanced ground game that could be a strength moving forward.

Turnovers proved costly

The 49ers allowed a 64-yard interception return and a 73-yard fumble return for touchdowns, directly contributing to Temple's 42-point explosion in the middle quarters.

Passing game needs improvement

Grayson Loftis managed only 108 passing yards with a touchdown and an interception, highlighting a lack of explosive plays through the air that must be addressed.

Defensive collapse in second and third quarters

After a 7-7 tie in the first quarter, Charlotte surrendered 42 unanswered points, showing an inability to adjust or sustain defensive pressure against Temple's offense.

What were the weather conditions for Temple vs Charlotte?

At kickoff, conditions at Jerry Richardson Stadium were Clear, 70°F with winds of 6 mph. Weather is not expected to be a meaningful factor in this game. Historical weather data for this game is preserved in the panel alongside. Weather data is sourced from WeatherAPI.com.

What happened in the game?

Temple travels 440 miles to this game, a moderate road trip.

The trip crosses none of the distance or time-zone thresholds that have measured a price, so travel is not a factor here.

Temple won by 35 in a dominant performance.

Temple covered the spread comfortably.

The total went Over by 15.5 points.

How do Temple and Charlotte compare on power ratings?

Blue Chip Analytics power ratings favor Temple (-9.4) over Charlotte (-20.6) by 11.2 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: 1.1). 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 Temple and Charlotte?

Sources

Game & Team Data

Weather

Travel & Rest

Model & Methodology

Temple won and Temple covered the spread.

Conditions

as of October 18, 2025 Game-time

Clear

70°F

Rain0%
Precip0.00"
Humidity56%
Wind6 mph S
Gusts12 mph
Wind map for Temple at Charlotte: aerial view of Jerry Richardson Stadium, wind from the S at 5.8 mph, gusting to 12.3 mph

Quick facts

Week
Week 8
Kickoff (local)
03:30 PM EDT
Venue
Jerry Richardson Stadium
Capacity
15,314
Elevation
643 ft
Surface
Artificial Turf

Travel and rest

TempleAway CharlotteHome
This week440 miles0 miles
Last weekHome game1,115 miles
Season total2,204 miles2,164 miles
Body clock15:3015:30
Rest7 days7 days

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