| Rk | Team | Record | Rating | Conference | |
|---|---|---|---|---|---|
| 1 | Nebraska | (12-0-0) | 0.8647 | Big Eight | |
| 2 | Northwestern | (10-2-0) | 0.7651 | Big Ten | |
| 3 | Tennessee | (11-1-0) | 0.7374 | Southeastern | |
| 4 | Ohio State | (11-2-0) | 0.7229 | Big Ten | |
| 5 | Florida | (12-1-0) | 0.7110 | Southeastern | |
| 6 | Colorado | (10-2-0) | 0.6600 | Big Eight | |
| 7 | Notre Dame | (9-3-0) | 0.6291 | Independent | |
| 8 | Southern California | (9-2-1) | 0.6185 | Pac 10 | |
| 9 | Toledo | (11-0-1) | 0.6146 | Mid-American | |
| 10 | Penn State | (9-3-0) | 0.6085 | Big Ten | |
| 11 | Florida State | (10-2-0) | 0.5902 | Atlantic Coast | |
| 12 | Kansas | (10-2-0) | 0.5877 | Big Eight | |
| 13 | Michigan | (9-4-0) | 0.5705 | Big Ten | |
| 14 | Oregon | (9-3-0) | 0.5537 | Pac 10 | |
| 15 | Kansas State | (10-2-0) | 0.5454 | Big Eight | |
| 16 | Virginia Tech | (10-2-0) | 0.5447 | Big East | |
| 17 | East Carolina | (9-3-0) | 0.5236 | Independent | |
| 18 | Washington | (7-4-1) | 0.5187 | Pac 10 | |
| 19 | Texas | (10-2-1) | 0.5090 | Southwest | |
| 20 | Miami (Ohio) | (8-2-1) | 0.5067 | Mid-American | |
| 21 | Texas A&M | (9-3-0) | 0.5001 | Southwest | |
| 22 | Stanford | (7-4-1) | 0.4614 | Pac 10 | |
| 23 | UCLA | (7-5-0) | 0.4611 | Pac 10 | |
| 24 | Alabama | (8-3-0) | 0.4536 | Southeastern | |
| 25 | Syracuse | (9-3-0) | 0.4462 | Big East | |
| 26 | Virginia | (9-4-0) | 0.4390 | Atlantic Coast | |
| 27 | Iowa | (8-4-0) | 0.4380 | Big Ten | |
| 28 | Texas Tech | (9-3-0) | 0.4369 | Southwest | |
| 29 | Miami (Florida) | (8-3-0) | 0.4207 | Big East | |
| 30 | Auburn | (8-4-0) | 0.4105 | Southeastern | |
| 31 | Illinois | (5-5-1) | 0.4070 | Big Ten | |
| 32 | Arizona State | (6-5-0) | 0.4010 | Pac 10 | |
| 33 | Cincinnati | (6-5-0) | 0.3779 | Independent | |
| 34 | Louisiana State | (7-4-1) | 0.3748 | Southeastern | |
| 35 | Utah | (7-4-0) | 0.3676 | Western Athletic | |
| 36 | Arkansas | (8-5-0) | 0.3501 | Southeastern | |
| 37 | Michigan State | (6-5-1) | 0.3450 | Big Ten | |
| 38 | Wisconsin | (4-5-2) | 0.3438 | Big Ten | |
| 39 | Colorado State | (8-4-0) | 0.3423 | Western Athletic | |
| 40 | Arizona | (6-5-0) | 0.3334 | Pac 10 | |
| 41 | Nevada | (9-3-0) | 0.3298 | Big West | |
| 42 | Air Force | (8-5-0) | 0.3248 | Western Athletic | |
| 43 | Brigham Young | (7-4-0) | 0.3183 | Western Athletic | |
| 44 | Purdue | (4-6-1) | 0.3141 | Big Ten | |
| 45 | Clemson | (8-4-0) | 0.3011 | Atlantic Coast | |
| 46 | San Diego State | (8-4-0) | 0.2970 | Western Athletic | |
| 47 | Baylor | (7-4-0) | 0.2895 | Southwest | |
| 48 | North Carolina | (7-5-0) | 0.2868 | Atlantic Coast | |
| 49 | Southern Mississippi | (6-5-0) | 0.2782 | Independent | |
| 50 | Georgia | (6-6-0) | 0.2721 | Southeastern | |
| 51 | Ball State | (7-4-0) | 0.2660 | Mid-American | |
| 52 | Louisville | (7-4-0) | 0.2309 | Independent | |
| 53 | Oklahoma | (5-5-1) | 0.2223 | Big Eight | |
| 54 | Western Michigan | (7-4-0) | 0.2181 | Mid-American | |
| 55 | Mississippi | (6-5-0) | 0.2072 | Southeastern | |
| 56 | Texas Christian | (6-5-0) | 0.2045 | Southwest | |
| 57 | Wyoming | (6-5-0) | 0.1942 | Western Athletic | |
| 58 | Georgia Tech | (6-5-0) | 0.1930 | Atlantic Coast | |
| 59 | Army | (5-5-1) | 0.1665 | Independent | |
| 60 | West Virginia | (5-6-0) | 0.1606 | Big East | |
| 61 | Kentucky | (4-7-0) | 0.1559 | Southeastern | |
| 62 | Maryland | (6-5-0) | 0.1418 | Atlantic Coast | |
| 63 | Eastern Michigan | (6-5-0) | 0.1352 | Mid-American | |
| 64 | Minnesota | (3-8-0) | 0.1331 | Big Ten | |
| 65 | Boston College | (4-8-0) | 0.1185 | Big East | |
| 66 | Louisiana-Lafayette | (6-5-0) | 0.1013 | Big West | |
| 67 | Washington State | (3-8-0) | 0.0828 | Pac 10 | |
| 68 | Oklahoma State | (4-8-0) | 0.0763 | Big Eight | |
| 69 | South Carolina | (4-6-1) | 0.0752 | Southeastern | |
| 70 | California | (3-8-0) | 0.0533 | Pac 10 | |
| 71 | Central Michigan | (4-7-0) | 0.0487 | Mid-American | |
| 72 | Bowling Green State | (5-6-0) | 0.0413 | Mid-American | |
| 73 | Missouri | (3-8-0) | 0.0211 | Big Eight | |
| 74 | Tulsa | (4-7-0) | 0.0187 | Independent | |
| 75 | Fresno State | (5-7-0) | 0.0182 | Western Athletic | |
| 76 | Indiana | (2-9-0) | 0.0153 | Big Ten | |
| 77 | Rutgers | (4-7-0) | 0.0000 | Big East | |
| 78 | Arkansas State | (6-5-0) | -0.0036 | Big West | |
| 79 | Mississippi State | (3-8-0) | -0.0059 | Southeastern | |
| 80 | Navy | (5-6-0) | -0.0155 | Independent | |
| 81 | New Mexico | (4-7-0) | -0.0250 | Western Athletic | |
| 82 | Memphis | (3-8-0) | -0.0336 | Independent | |
| 83 | Iowa State | (3-8-0) | -0.0364 | Big Eight | |
| 84 | Louisiana Tech | (5-6-0) | -0.0596 | Big West | |
| 85 | North Carolina State | (3-8-0) | -0.0697 | Atlantic Coast | |
| 86 | Vanderbilt | (2-9-0) | -0.0711 | Southeastern | |
| 87 | Rice | (2-8-1) | -0.0749 | Southwest | |
| 88 | Houston | (2-9-0) | -0.0843 | Southwest | |
| 89 | Pittsburgh | (2-9-0) | -0.0915 | Big East | |
| 90 | Temple | (1-10-0) | -0.1055 | Big East | |
| 91 | Duke | (3-8-0) | -0.1084 | Atlantic Coast | |
| 92 | Utah State | (4-7-0) | -0.1150 | Big West | |
| 93 | Hawaii | (4-8-0) | -0.1339 | Western Athletic | |
| 94 | Oregon State | (1-10-0) | -0.1532 | Pac 10 | |
| 95 | San Jose State | (3-8-0) | -0.1555 | Big West | |
| 96 | New Mexico State | (4-7-0) | -0.1565 | Big West | |
| 97 | Pacific | (3-8-0) | -0.1776 | Big West | |
| 98 | Northern Illinois | (3-8-0) | -0.1939 | Big West | |
| 99 | Ohio | (2-8-1) | -0.1985 | Mid-American | |
| 100 | Akron | (2-9-0) | -0.2280 | Mid-American | |
| 101 | North Texas | (2-9-0) | -0.2580 | Independent | |
| 102 | Tulane | (2-9-0) | -0.2810 | Independent | |
| 103 | Southern Methodist | (1-10-0) | -0.3047 | Southwest | |
| 104 | Louisiana-Monroe | (2-9-0) | -0.3266 | Independent | |
| 105 | Texas-El Paso | (2-10-0) | -0.3623 | Western Athletic | |
| 106 | Wake Forest | (1-10-0) | -0.3802 | Atlantic Coast | |
| 107 | Kent State | (1-9-1) | -0.3992 | Mid-American | |
| 108 | Nevada-Las Vegas | (2-9-0) | -0.6649 | Big West |
Average Ratings by Conference (1995)
| Rk | Conference | Rating | |
|---|---|---|---|
| 1 | Big Ten | 0.4239 | |
| 2 | Big Eight | 0.3676 | |
| 3 | Pac 10 | 0.3331 | |
| 4 | Southeastern | 0.3059 | |
| 5 | Big East | 0.1867 | |
| 6 | Southwest | 0.1845 | |
| 7 | Atlantic Coast | 0.1548 | |
| 8 | Western Athletic | 0.1341 | |
| 9 | Independent | 0.1092 | |
| 10 | Mid-American | 0.1005 | |
| 11 | Big West | -0.1095 |