[The Census](https://readinessindex.io/census)

[Q4 2026](https://readinessindex.io/census/2026-Q4)

[US Banks and Credit Unions](https://readinessindex.io/census/2026-Q4/banks-credit-unions)

Eastex

This is a Census scan, not a customer scan

## AI crawlers cannot reach this site.

RCH-2 failed, so an assistant asking about this organization gets nothing from here whatever the page contains. The score beside it says how well the site is built; this says none of it is currently reachable. Both are true, and neither replaces the other, which is why the score is no longer capped to say it.

[https://www.eastexcu.org/](https://www.eastexcu.org/) · ranked 5062 in its cohort · 32 pages read · 38 scored tests · 19 October 2026

[US Banks and Credit Unions](https://readinessindex.io/census/2026-Q4/banks-credit-unions)

# Eastex

Score

57

/100

Weak

15 of 38 tests pass  43 points still on the table

Against US Banks and Credit Unions

This site · 57

Cohort median 54, range 16–77. Grey is the middle half.

You · 57

NOT READY

0–39

WEAK

40–59

ADEQUATE

60–74

STRONG

75–89

EXEMPLARY

90–99

We ran all 38 scored tests across 4 dimensions, against the 32 pages we read.

Weak

## AI crawlers are turned away before they reach the content, so nothing else on this page has had a chance to matter.

Do these three first

## The fastest 17 points on this scan

1

+9

RCH-2 · medium effort

### Does your website let those crawlers in, or does your security turn them away?

All 12 search crawlers and user-triggered fetchers receive full content. Training crawlers turned away (GPTBot, ClaudeBot, CCBot, Bytespider) are shown in the posture panel and do not change this result. 32 of 32 sampled pages return an interactive challenge (Google reCAPTCHA).

**Do this:** Scope challenges to POST endpoints and authenticated routes.

2

+5

ACT-4 · medium effort

### Do your buttons, links and menus have names an AI agent can read?

0 of 32 sampled pages give nearly every button, link and menu a name; 32 of 2132 controls have none.

**Do this:** Give every button, link and menu a name.

3

+3

ACT-2 · small effort

### Can an AI agent browse and search without hitting a CAPTCHA?

1 of 1 search or filter surfaces return a challenge.

**Do this:** Keep challenges off browse, search and filter interactions.

By dimension

## Where Eastex’s 57 came from

Every test is listed below, grouped the same way, worst first.

| Dimension | Share earned | Earned | Score |
| --- | --- | --- | --- |
| [1 · Reach](#d-1) | 14 of 25 | 14 | **56** |
| [2 · Read](#d-2) | 24 of 35 | 24 | **69** |
| [3 · Understand](#d-3) | 9 of 25 | 9 | **36** |
| [4 · Act](#d-4) | 5 of 15 | 5 | **33** |

Every test

## The work queue

38 scored tests

Show

RCH-1

Can the AI tools that search the web read your site?

PASS

8 pt

Why we test this

All 9 search crawlers may fetch content paths.

Your robots.txt tells crawlers what they may read. If it shuts out the search crawler behind an assistant, that assistant cannot cite you.

Evidence

AI product

2027-04-18

Replaces AIR-1.1

Sources (5)

- [OpenAI, crawler overview](https://developers.openai.com/api/docs/bots) undated A
- [Anthropic Help Center, crawler controls](https://support.claude.com/en/articles/8896518) 2026-04-07 A
- [Perplexity, crawlers](https://docs.perplexity.ai/docs/resources/perplexity-crawlers) undated A
- [Meta, web crawlers](https://developers.facebook.com/docs/sharing/webmasters/web-crawlers) undated A
- [Apple, About Applebot](https://support.apple.com/en-us/119829) 2026-09-04 A

RCH-2

Does your website let those crawlers in, or does your security turn them away?

All 12 search crawlers and user-triggered fetchers receive full content. Training crawlers turned away (GPTBot, ClaudeBot, CCBot, Bytespider) are shown in the posture panel and do not change this result. 32 of 32 sampled pages return an interactive challenge (Google reCAPTCHA).

PROBLEM

+9

What's wrong

All 12 search crawlers and user-triggered fetchers receive full content. Training crawlers turned away (GPTBot, ClaudeBot, CCBot, Bytespider) are shown in the posture panel and do not change this result. 32 of 32 sampled pages return an interactive challenge (Google reCAPTCHA).

A firewall or bot rule can turn a crawler away even when robots.txt says yes, or put a challenge page in front of it that it cannot pass. We request pages the way each crawler does and record what comes back.

Evidence

AI product

2027-04-18

Replaces AIR-1.2, AIR-1.3

Sources (3)

- Cloudflare, 'Perplexity is using stealth, undeclared crawlers' 2025-08-04 A
- [Cloudflare, new AI traffic options](https://blog.cloudflare.com/content-independence-day-ai-options/) 2026-07-01 A
- [RESONEO, LLM crawler test](https://think.resoneo.com/sentinel/geo-llm-crawler-report.html) 2026-01 B

Fixed by

- Operations (lead)
- Back-end developer

[See RCH-2 in the full index →](https://readinessindex.io/tests#c-RCH-2)

RCH-3

Does each page say which web address is the real one?

0% of sampled pages emit a valid, self-consistent canonical. 32 have problems.

PROBLEM

+2

What's wrong

0% of sampled pages emit a valid, self-consistent canonical. 32 have problems.

A canonical link names the true address of a page. Without one, the same content can read as several competing pages.

Evidence

Search index

2027-04-18

Replaces AIR-1.7

Sources (2)

- [Google, canonicalization](https://developers.google.com/search/docs/crawling-indexing/canonicalization) 2026-08-20 A
- [Google, AI features and your website](https://developers.google.com/search/docs/appearance/ai-features) 2025-12-10 A

Fixed by

- Back-end developer (lead)
- Search specialist

[See RCH-3 in the full index →](https://readinessindex.io/tests#c-RCH-3)

RCH-4

Do your page settings let assistants quote you?

PASS

3 pt

Why we test this

No noindex, nosnippet, max-snippet:0, noarchive or nocache directive found on the sampled pages.

Page tags and headers that stop a search engine from showing a snippet, or from indexing a page at all, also keep that page out of the AI answers built on the search index.

Evidence

AI product

2027-04-18

Replaces AIR-1.6

Sources (4)

- [Google, robots meta tag and X-Robots-Tag](https://developers.google.com/search/docs/crawling-indexing/robots-meta-tag) 2026-03-24 A
- [Google, AI features and your website](https://developers.google.com/search/docs/appearance/ai-features) 2025-12-10 A
- [Bing Webmaster Blog, usage controls (noarchive, nocache)](https://blogs.bing.com/webmaster/september-2023/Announcing-new-options-for-webmasters-to-control-usage-of-their-content-in-Bing-Chat) 2023-09-22 A
- [Apple, About Applebot](https://support.apple.com/en-us/119829) 2026-09-04 A

RED-1

Is your page's text in the page itself, without needing JavaScript?

PASS

10 pt

Why we test this

The first response from your server holds 99% of the text a browser shows, on average across 32 pages; 1% of the words are missing until scripts run. The worst template is /products-services/loans/*: 98% across 8 pages.

If your text only appears after JavaScript runs, a tool that does not run it sees an empty page. This is the heaviest test in the Index.

Evidence

AI product

2027-04-18

Replaces AIR-2.1

Sources (4)

- [Anthropic, web fetch tool](https://platform.claude.com/docs/en/agents-and-tools/tool-use/web-fetch-tool) current A
- [Vercel and MERJ, 'The rise of the AI crawler'](https://vercel.com/blog/the-rise-of-the-ai-crawler) 2024-12-17 B
- [RESONEO, LLM crawler test](https://think.resoneo.com/sentinel/geo-llm-crawler-report.html) 2026-01 B
- [Google, JavaScript SEO basics](https://developers.google.com/search/docs/crawling-indexing/javascript/javascript-seo-basics) 2026-03-04 A

RED-2

Is the text behind tabs and 'read more' buttons already on the page?

PASS

5 pt

Why we test this

32 of 32 pages ship every tab and 'read more' panel in the page itself and keep it there.

Tabs and accordions are fine, as long as their text is already in the page before anybody clicks.

Evidence

AI product

2027-04-18

Replaces AIR-2.2

Sources (3)

- [Anthropic, web fetch tool](https://platform.claude.com/docs/en/agents-and-tools/tool-use/web-fetch-tool) current A
- [RESONEO, LLM crawler test](https://think.resoneo.com/sentinel/geo-llm-crawler-report.html) 2026-01 B
- [Google, control your snippets](https://developers.google.com/search/docs/appearance/snippet) 2026-04-20 A

RED-3

Can a crawler trust the 'last changed' dates in your sitemap?

PASS

2 pt

Why we test this

429 of 429 sitemap URLs carry a lastmod across 235 distinct dates; 17% share 2024-11-12.

A last-changed date should mean the content changed, not that you deployed. Once it is noise, crawlers stop trusting it.

Evidence

AI product

2027-04-18

Replaces AIR-4.8

Sources (2)

- [Bing Webmaster Blog, sitemaps in AI-powered search](https://blogs.bing.com/webmaster/July-2025/Keeping-Content-Discoverable-with-Sitemaps-in-AI-Powered-Search) 2025-07-31 A
- [Google, build and submit a sitemap](https://developers.google.com/search/docs/crawling-indexing/sitemaps/build-sitemap) 2026-07-08 A

RED-4

Do your filters and calendars keep a crawler from getting lost?

PASS

1 pt

Why we test this

No parameterized URLs appeared in the crawlable sample.

Filters and calendars can generate millions of addresses. A crawler spends its visit there instead of on the pages you care about.

Evidence

Search index

2027-04-18

Replaces AIR-4.7

Sources (1)

- [Google, canonicalization](https://developers.google.com/search/docs/crawling-indexing/canonicalization) 2026-08-20 A

RED-5

Do your PDFs and images have their own rules for search and quoting?

0 of 25 non-HTML resources carry an X-Robots-Tag.

PROBLEM

+1

What's wrong

0 of 25 non-HTML resources carry an X-Robots-Tag.

PDFs, images and JSON cannot carry a meta robots tag, so the instruction has to travel in the HTTP header instead.

Evidence

Search index

2027-04-18

Replaces AIR-4.4

Sources (1)

- [Google, robots meta tag and X-Robots-Tag](https://developers.google.com/search/docs/crawling-indexing/robots-meta-tag) 2026-03-24 A

Fixed by

- Operations

[See RED-5 in the full index →](https://readinessindex.io/tests#c-RED-5)

RED-6

Do missing pages say they are missing?

PASS

1 pt

Why we test this

0 of 2 deliberately invalid URLs returned HTTP 200.

A missing page that answers 200 OK looks like a real page, and a crawler spends its visit on it.

Evidence

Search index

2027-04-18

Replaces AIR-4.5

Sources (2)

- [Google, HTTP status codes](https://developers.google.com/crawling/docs/troubleshooting/http-status-codes) 2026-02-04 A
- [Vercel and MERJ, 'The rise of the AI crawler'](https://vercel.com/blog/the-rise-of-the-ai-crawler) 2024-12-17 B

RED-7

Do your redirects go straight to the right page?

PASS

1 pt

Why we test this

32 of 32 sampled URLs redirect.

Every extra redirect is another chance for a crawler to give up. One hop, straight to the destination.

Evidence

Search index

2027-04-18

Replaces AIR-4.6

Sources (1)

- [Google, HTTP status codes](https://developers.google.com/crawling/docs/troubleshooting/http-status-codes) 2026-02-04 A

RED-8

Do you have sitemaps for your images and videos?

PASS

1 pt

Why we test this

An index with 4 child sitemaps covering 429 URLs, including media.

Image and video sitemaps tell a crawler about media it would not find in the page text.

Evidence

Search index

2027-04-18

Replaces AIR-4.9

Sources (1)

- [Google, build and submit a sitemap](https://developers.google.com/search/docs/crawling-indexing/sitemaps/build-sitemap) 2026-07-08 A

RED-9

Can a crawler reach page two, three and beyond without clicking a button?

NOT SCORED

—

RED-10

Do you offer a plain-text (Markdown) copy of your pages?

0 of 24 sampled pages have a Markdown copy that matches the page and carries no navigation (looked for at the page address plus .md; no page advertised one).

PROBLEM

+2

What's wrong

0 of 24 sampled pages have a Markdown copy that matches the page and carries no navigation (looked for at the page address plus .md; no page advertised one).

A plain-text Markdown copy of a page has none of the navigation and markup a tool has to wade through to reach your words.

Evidence

AI product

2027-04-18

Replaces AIR-7.1

Sources (2)

- [Cloudflare, Markdown for Agents](https://developers.cloudflare.com/changelog/post/2026-02-12-markdown-for-agents/) 2026-02-12 A
- [Dries Buytaert, a month of Cloudflare logs](https://dri.es/markdown-llms-txt-and-ai-crawlers) 2026-03-05 B

Fixed by

- Back-end developer

[See RED-10 in the full index →](https://readinessindex.io/tests#c-RED-10)

RED-11

Does each page tell machines where its Markdown copy is?

NOT SCORED

—

RED-12

If a machine asks for Markdown, does your site give it?

0 of 25 URLs serve Markdown for Accept: text/markdown. 0 of 1 generated representations show evidence of an edge cache hit on a repeat request.

PROBLEM

+2

What's wrong

0 of 25 URLs serve Markdown for Accept: text/markdown. 0 of 1 generated representations show evidence of an edge cache hit on a repeat request.

A machine can ask the page's own address for Markdown and get it, with caches keeping the web and Markdown versions apart.

Evidence

AI product

(coding agents)

2027-04-18

Replaces AIR-7.3, AIR-7.4

Sources (3)

- [Cloudflare, Markdown for Agents](https://developers.cloudflare.com/changelog/post/2026-02-12-markdown-for-agents/) 2026-02-12 A
- [Cloudflare, Markdown for Agents (docs)](https://developers.cloudflare.com/fundamentals/reference/markdown-for-agents/) 2026-10-09 A
- [Cloudflare, cache and Vary](https://developers.cloudflare.com/cache/concepts/vary/) 2026-08-14 A

Fixed by

- Back-end developer (lead)
- Operations

[See RED-12 in the full index →](https://readinessindex.io/tests#c-RED-12)

RED-13

Is the page built from real page parts, like header, main and navigation?

0% of sampled pages carry one main element, a wrapping article or section, and a nav. 32 exceed 12 divs per semantic element.

PROBLEM

+1

What's wrong

0% of sampled pages carry one main element, a wrapping article or section, and a nav. 32 exceed 12 divs per semantic element.

Real page parts such as header, main and navigation, instead of one pile of unlabeled boxes. It is good practice for people, and research suggests structure helps a model read a page.

Evidence

Practice

2027-04-18

Replaces AIR-1.8

Sources (2)

- [HtmlRAG (research paper)](https://arxiv.org/abs/2411.02959) 2024-11 B
- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

Fixed by

- Front-end developer

[See RED-13 in the full index →](https://readinessindex.io/tests#c-RED-13)

RED-14

Do your headings follow in order, starting from one main heading?

PASS

1 pt

Why we test this

97% of sampled pages have exactly one non-empty h1 and no skipped heading levels. 1 have several

One main heading, then sub-headings in order. A study found most pages ChatGPT cited used ordered headings; that shows association, not cause.

Evidence

Practice

2027-04-18

Replaces AIR-1.9

Sources (2)

- [HtmlRAG (research paper)](https://arxiv.org/abs/2411.02959) 2024-11 B
- [AirOps, ChatGPT content structure](https://www.airops.com/blog/chatgpt-content-structure) 2025-12-29 B

RED-15

Are your tables real tables, with header cells?

3 tables: 0 complete, 3 without scope on header cells, 0 with no header cells, 0 used for layout.

NEEDS WORK

+0

What's half-done

3 tables: 0 complete, 3 without scope on header cells, 0 with no header cells, 0 used for layout.

Tuition, hours, fees and comparisons belong in a real table with header cells, not in an image or a grid of boxes. Research suggests real tables help a model read them.

Evidence

Practice

2027-04-18

Replaces AIR-2.3

Sources (1)

- [HtmlRAG (research paper)](https://arxiv.org/abs/2411.02959) 2024-11 B

Fixed by

- Front-end developer (lead)
- Content team

[See RED-15 in the full index →](https://readinessindex.io/tests#c-RED-15)

RED-16

Does every section heading have a link that will not change?

0 of 323 subheadings carry a slug-like id (0%); 32 have generated or unstable ids.

NEEDS WORK

+0

What's half-done

0 of 323 subheadings carry a slug-like id (0%); 32 have generated or unstable ids.

A section heading with a stable ID can be linked to directly, so a person or a tool can return to the same passage.

Evidence

Practice

2027-04-18

Replaces AIR-2.4

Sources (1)

- [Google, control your snippets](https://developers.google.com/search/docs/appearance/snippet) 2026-04-20 A

Fixed by

- Front-end developer

[See RED-16 in the full index →](https://readinessindex.io/tests#c-RED-16)

RED-17

Do your images have descriptions for people who cannot see them?

PASS

1 pt

Why we test this

244 of 247 images carry appropriate alt text: 0 have no alt attribute, 3 use the filename.

Alt text is the only text an image has. Decorative images should say so with an empty alt rather than describing themselves.

Evidence

Practice

2027-04-18

Replaces AIR-2.5

Sources (1)

- [W3C WAI, alt decision tree](https://www.w3.org/WAI/tutorials/images/decision-tree/) undated A

RED-18

Are your key facts written as text, not only inside images or PDFs?

22 of 32 sampled pages are thin relative to their images or lead with a document download.

PROBLEM

+1

What's wrong

22 of 32 sampled pages are thin relative to their images or lead with a document download.

A fact that exists only in a PDF, a scan or an infographic is harder to find and quote. It is not a hard barrier: at least one AI tool reads PDFs.

Evidence

Practice

2027-04-18

Replaces AIR-2.6

Sources (1)

- [Anthropic, web fetch tool](https://platform.claude.com/docs/en/agents-and-tools/tool-use/web-fetch-tool) current A

Fixed by

- Content team (lead)
- Front-end developer

[See RED-18 in the full index →](https://readinessindex.io/tests#c-RED-18)

RED-19

Does each page give its answer near the top?

PASS

1 pt

Why we test this

94% of sampled pages open with a full sentence of at least 8 words within their first 500 characters.

A page that states its answer in the first sentences is easier to quote. Bing's guidelines advise it, and one study found 44% of ChatGPT citations came from the first 30% of a page.

Evidence

Practice

2027-04-18

Sources (2)

- Bing Webmaster Guidelines undated A
- a study of which part of a page ChatGPT cites reported as 44% from the first 30% (reference to confirm) B

UND-1

Does your site say clearly who you are?

2 of 7 organizational facts are present in the Organization markup: address, contactPoint.

PROBLEM

+1

What's wrong

2 of 7 organizational facts are present in the Organization markup: address, contactPoint.

Your name, address, contact details and public identifiers, on an About page and in your page code, so a machine can tell which organization you are.

Evidence

Search index

2027-04-18

Replaces AIR-1.13

Sources (1)

- [Google, Organization structured data](https://developers.google.com/search/docs/appearance/structured-data/organization) 2026-09-08 A

Fixed by

- Content team (lead)
- Site owner

[See UND-1 in the full index →](https://readinessindex.io/tests#c-UND-1)

UND-2

Does your site use the page labels that search engines still read for what you publish?

1 of 4 expected financial-services types are present: BankOrCreditUnion. Missing: FinancialService, LoanOrCredit, InvestmentOrDeposit.

PROBLEM

+2

What's wrong

1 of 4 expected financial-services types are present: BankOrCreditUnion. Missing: FinancialService, LoanOrCredit, InvestmentOrDeposit.

Use the markup types that match what you publish, such as local business, jobs or courses, and that search engines still read.

Evidence

Search index

2027-04-18

Replaces AIR-3.3

Sources (2)

- [Google Search updates log (retirements)](https://developers.google.com/search/updates) current A
- [Google, Organization structured data](https://developers.google.com/search/docs/appearance/structured-data/organization) 2026-09-08 A

Fixed by

- Back-end developer (lead)
- Search specialist

[See UND-2 in the full index →](https://readinessindex.io/tests#c-UND-2)

UND-3

Do the prices and availability in your page code match what the page shows?

NOT SCORED

—

UND-4

Does each article show who wrote it, with a page about the author?

0 of 1 distinct authors have a page or profile a machine can find (an author url, a sameAs, or a link on the byline).

PROBLEM

+1

What's wrong

0 of 1 distinct authors have a page or profile a machine can find (an author url, a sameAs, or a link on the byline).

An article should show who wrote it, and the name should lead to a page or profile about that person.

Evidence

Search index

2027-04-18

Replaces AIR-5.1

Sources (2)

- [Google, Article structured data](https://developers.google.com/search/docs/appearance/structured-data/article) 2026-09-08 A
- [Google, creating helpful, reliable content](https://developers.google.com/search/docs/fundamentals/creating-helpful-content) 2026-10-05 A

Fixed by

- Content team (lead)
- Back-end developer

[See UND-4 in the full index →](https://readinessindex.io/tests#c-UND-4)

UND-5

Does the author label in your page code point to that person?

14 of 24 substantive pages show a byline and point to the author with a reference, a link or a profile; 0 carry a bare string; 0 are unsigned.

PROBLEM

+1

What's wrong

14 of 24 substantive pages show a byline and point to the author with a reference, a link or a profile; 0 carry a bare string; 0 are unsigned.

The author label in your page code should point to the person, not repeat their name as text on every article.

Evidence

Search index

2027-04-18

Replaces AIR-5.2

Sources (1)

- [Google, Article structured data](https://developers.google.com/search/docs/appearance/structured-data/article) 2026-09-08 A

Fixed by

- Back-end developer (lead)
- Content team

[See UND-5 in the full index →](https://readinessindex.io/tests#c-UND-5)

UND-6

Are your published and updated dates honest and visible?

PASS

5 pt

Why we test this

32 of 32 pages carry a publication or modification date in their markup, 1 of them show a date to the reader, across 19 distinct dateModified values.

Published and updated dates should be visible to readers, match your page code, and move only when the content does. A date that changes on every deploy is noise.

Evidence

AI product

2027-04-18

Replaces AIR-5.4

Sources (3)

- [Google, publication dates](https://developers.google.com/search/docs/appearance/publication-dates) current A
- [Ahrefs, do AI assistants prefer fresh content](https://ahrefs.com/blog/do-ai-assistants-prefer-to-cite-fresh-content/) 2025-07-28 B
- [Bing Webmaster Blog, sitemaps in AI-powered search](https://blogs.bing.com/webmaster/July-2025/Keeping-Content-Discoverable-with-Sitemaps-in-AI-Powered-Search) 2025-07-31 A

UND-7

Does each page show where it sits in your site?

0% of pages inside a section carry a BreadcrumbList with at least two steps.

PROBLEM

+1

What's wrong

0% of pages inside a section carry a BreadcrumbList with at least two steps.

Where your site has sections, each page should show where it sits, so a model knows a program page belongs to a department.

Evidence

Search index

2027-04-18

Replaces AIR-3.2

Sources (1)

- [Google, breadcrumb structured data](https://developers.google.com/search/docs/appearance/structured-data/breadcrumb) 2026-09-08 A

Fixed by

- Back-end developer

[See UND-7 in the full index →](https://readinessindex.io/tests#c-UND-7)

UND-8

Does your hidden page code say the same thing as the visible text?

PASS

1 pt

Why we test this

On 94% of the 32 sampled pages with markup, the headline or name in the page code appears in the visible page.

The headline and name in your page code should be the ones on the page. Markup that says something else is ignored at best, and misleading at worst.

Evidence

Search index

2027-04-18

Sources (1)

- [Google, structured data general guidelines](https://developers.google.com/search/docs/appearance/structured-data/sd-policies) current A

UND-9

If a page is behind a paywall, does it say so?

NOT SCORED

—

UND-10

Does your page code link to your official profiles elsewhere?

3 sameAs links: 0 tier-1 authority identifiers, 0 tier-2, 3 social. The links were not fetched.

PROBLEM

+1

What's wrong

3 sameAs links: 0 tier-1 authority identifiers, 0 tier-2, 3 social. The links were not fetched.

Links from your organization's page code to your official profiles, such as Wikidata and LinkedIn.

Evidence

Search index

2027-04-18

Replaces AIR-1.12

Sources (1)

- [Google, Organization structured data](https://developers.google.com/search/docs/appearance/structured-data/organization) 2026-09-08 A

Fixed by

- Search specialist (lead)
- Back-end developer

[See UND-10 in the full index →](https://readinessindex.io/tests#c-UND-10)

UND-11

Does your page code pass a validity check?

Everything parses, but nodes on 32 of 32 pages are missing properties their declared type needs.

NEEDS WORK

+1

What's half-done

Everything parses, but nodes on 32 of 32 pages are missing properties their declared type needs.

Markup that does not parse, or that leaves out what its type needs, is served to machines that cannot use it, and nothing on the page says so.

Evidence

Search index

2027-04-18

Replaces AIR-3.8

Sources (1)

- [Google, structured data general guidelines](https://developers.google.com/search/docs/appearance/structured-data/sd-policies) current A

Fixed by

- Back-end developer (lead)
- Search specialist

[See UND-11 in the full index →](https://readinessindex.io/tests#c-UND-11)

ACT-1

Can an AI agent tell what each form field is for?

PASS

5 pt

Why we test this

99 of 99 form fields carry both an accessible name and a meaningful name attribute.

An agent filling in your form has to know what each field is for. Labels and names are how it finds out.

Evidence

AI product

2027-04-18

Replaces AIR-6.3

Sources (2)

- [Anthropic, browser use tool (accessibility tree)](https://platform.claude.com/docs/en/agents-and-tools/tool-use/browser-use-tool) current A
- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

ACT-2

Can an AI agent browse and search without hitting a CAPTCHA?

1 of 1 search or filter surfaces return a challenge.

PROBLEM

+3

What's wrong

1 of 1 search or filter surfaces return a challenge.

Challenge the actions that need challenging. Browsing, searching and filtering are not those actions, and a CAPTCHA there ends an agent's visit.

Evidence

AI product

2027-04-18

Replaces AIR-6.4

Sources (2)

- OpenAI, Operator (hands off captchas) 2025-01 B
- [Open CaptchaWorld (benchmark paper)](https://arxiv.org/abs/2505.24878) 2025 B

Fixed by

- Operations (lead)
- Front-end developer

[See ACT-2 in the full index →](https://readinessindex.io/tests#c-ACT-2)

ACT-3

If you have a public API, is it described in a standard file?

NOT SCORED

—

ACT-4

Do your buttons, links and menus have names an AI agent can read?

0 of 32 sampled pages give nearly every button, link and menu a name; 32 of 2132 controls have none.

PROBLEM

+5

What's wrong

0 of 32 sampled pages give nearly every button, link and menu a name; 32 of 2132 controls have none.

An agent that clicks through your site finds each control by its name, and a control with no name is one it cannot choose.

Evidence

AI product

2027-04-18

Sources (2)

- [Anthropic, browser use tool (accessibility tree)](https://platform.claude.com/docs/en/agents-and-tools/tool-use/browser-use-tool) current A
- OpenAI's guidance on ARIA labels for ChatGPT Atlas, reported by Adrian Roselli (address to confirm: OpenAI's own page was not opened) undated C

Fixed by

- Front-end developer (lead)
- Content team

[See ACT-4 in the full index →](https://readinessindex.io/tests#c-ACT-4)

PST-1

Which AI training crawlers have you allowed or blocked?

NOT SCORED

—

Why we test this

Training crawlers and opt-out tokens blocked: none. Allowed: GPTBot, ClaudeBot, CCBot, Bytespider, Google-Extended, Applebot-Extended. ChatGPT-User, Claude-User, Perplexity-User act on a person's request and may ignore robots.txt. robots.txt does not name any of xAI's observed crawlers.

Which AI training crawlers you allow or block is your choice, so it is shown and never scored.

Evidence

AI product

2027-04-18

Replaces AIR-1.1

Sources (7)

- [OpenAI, crawler overview](https://developers.openai.com/api/docs/bots) undated A
- [Anthropic Help Center, crawler controls](https://support.claude.com/en/articles/8896518) 2026-04-07 A
- [Google, common crawlers (Google-Extended)](https://developers.google.com/crawling/docs/crawlers-fetchers/google-common-crawlers) 2026-07-14 A
- [Apple, About Applebot](https://support.apple.com/en-us/119829) 2026-09-04 A
- [Google, user-triggered fetchers](https://developers.google.com/crawling/docs/crawlers-fetchers/google-user-triggered-fetchers) 2026-08-19 A
- [Known Agents and Botcrawl directories (xAI crawler names; third-party, xAI publishes none)](https://botcrawl.com/bots/grokbot) 2026 C
- [StackFox, test of Grok's user agent (single blog, unverified)](https://stackfox.co/research/grok-user-agent) 2026-02 C

PST-2

Have you posted a Content Signals statement about what AI may do with your content?

No Content-Signal line in robots.txt. Missing: search, ai-input, ai-train.

NOT SCORED

—

What's wrong

No Content-Signal line in robots.txt. Missing: search, ai-input, ai-train.

A line in robots.txt or in a response header that states whether AI may search, quote or train on your content. Having a stated position is the point.

Evidence

None found

2027-04-18

Replaces AIR-1.4

Sources (2)

- [Cloudflare, Content Signals Policy](https://blog.cloudflare.com/content-signals-policy/) 2025-09-24 A
- [Search Engine Roundtable, Mueller on Content-Signal](https://www.seroundtable.com/google-cloudflare-content-signals-41631.html) 2026-07-06 C

Fixed by

- Search specialist (lead)
- Site owner

[See PST-2 in the full index →](https://readinessindex.io/tests#c-PST-2)

PST-3

Have you published a license for AI use of your content?

NOT SCORED

—

PST-4

Have you reserved your text and data mining rights in a form machines can read?

No TDMRep reservation was found.

NOT SCORED

—

What's wrong

No TDMRep reservation was found.

A reservation of your text and data mining rights, in a form machines can read. TDMRep is a W3C community standard tied to EU copyright law.

Evidence

Standard only

2027-04-18

Sources (1)

- [W3C, TDM Reservation Protocol community group](https://www.w3.org/community/tdmrep/) undated A

Fixed by

- Site owner (lead)
- Back-end developer

[See PST-4 in the full index →](https://readinessindex.io/tests#c-PST-4)

PST-5

Do your statements about AI use agree with each other?

No statement about AI use was found, so there is nothing to compare.

NOT SCORED

—

What we're measuring

No statement about AI use was found, so there is nothing to compare.

Your statements about AI use should say the same thing. A Markdown copy that allows AI training while robots.txt forbids it tells a crawler two things.

Evidence

None found

2027-04-18

Sources (1)

- [Cloudflare, Content Signals Policy](https://blog.cloudflare.com/content-signals-policy/) 2025-09-24 A

Fixed by

- Site owner (lead)
- Search specialist

[See PST-5 in the full index →](https://readinessindex.io/tests#c-PST-5)

PST-6

Is your site switched on for Google's AI answers?

Google lets owners switch a site out of AI Overviews and AI Mode in Search Console. The setting cannot be seen from outside.

NOT SCORED

—

What we're measuring

Google lets owners switch a site out of AI Overviews and AI Mode in Search Console. The setting cannot be seen from outside.

Google lets site owners switch their site out of its AI answers. A scan cannot see the setting, so we ask you to confirm it.

Evidence

AI product

2027-04-18

Sources (1)

- [Google, AI features and your website](https://developers.google.com/search/docs/appearance/ai-features) 2025-12-10 A

Fixed by

- Search specialist (lead)
- Site owner

[See PST-6 in the full index →](https://readinessindex.io/tests#c-PST-6)

EXT-1

Do you publish an llms.txt file for coding assistants?

NOT SCORED

—

Why we test this

/llms.txt lists 195 links across 5 sections, covering 45% of the sitemap.

A file at /llms.txt listing your most important pages, for coding assistants and documentation tools. Search crawlers do not read it.

Evidence

AI product

(coding agents only)

2027-04-18

Replaces AIR-1.10, LI-7

Sources (3)

- [Ahrefs, llms.txt study (137,210 domains)](https://ahrefs.com/blog/llmstxt-study/) 2026-06-15 B
- [Dries Buytaert, a month of Cloudflare logs](https://dri.es/markdown-llms-txt-and-ai-crawlers) 2026-03-05 B
- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

EXT-2

Do you list your APIs and agent tools where agents look for them?

NOT SCORED

—

EXT-3

If you run your own crawler or agent, do you publish its signing keys?

NOT SCORED

—

EXT-4

Can an AI assistant connect to your site as a tool?

No domain MCP server or tool descriptor was discoverable.

NOT SCORED

—

What's wrong

No domain MCP server or tool descriptor was discoverable.

A public MCP server over your catalog or directory, so an assistant can be pointed at it and call it as a tool rather than scraping a results page.

Evidence

AI product

(you add it)

2027-04-18

Replaces LI-6

Sources (1)

- [MCP SEP-2127, server cards (final)](https://modelcontextprotocol.io/seps/2127-mcp-server-cards) 2026 A

Fixed by

- Back-end developer (lead)
- Operations

[See EXT-4 in the full index →](https://readinessindex.io/tests#c-EXT-4)

EXT-5

Is your page code one connected description of your organization?

NOT SCORED

—

Why we test this

111 of 143 entity nodes carry an @id (78%). The WebPage to WebSite to Organization chain resolves. 34 duplicate definitions of Person, Organization.

Structured data that links together, your organization, your site and this page, instead of a scattering of disconnected labels.

Evidence

Standard only

2027-04-18

Replaces AIR-1.11

Sources (2)

- [Ahrefs, 1,885 pages that added schema](https://ahrefs.com/blog/schema-ai-citations/) 2026-05-11 B
- [searchVIU, schema markup and AI](https://www.searchviu.com/en/schema-markup-and-ai-in-2025-what-chatgpt-claude-perplexity-gemini-really-see/) 2025-12-02 B

EXT-6

Is your page code generated from your content rather than typed by hand?

NOT SCORED

—

Why we test this

Schema values track visible content across 4 templates.

Structured data generated from your content model survives the next content change. Hardcoded markup rots quietly.

Evidence

None found

2027-04-18

Replaces AIR-3.1

Sources (1)

- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

EXT-7

If you run real question-and-answer pages, are they marked as such?

NOT SCORED

—

EXT-8

Does sensitive content, like health, legal or money advice, name who reviewed it?

NOT SCORED

—

EXT-9

Does your page code point to the sources you cite?

NOT SCORED

—

EXT-10

Do your images carry proof of where they came from?

NOT SCORED

—

EXT-11

Have you marked the part of a page that answers a spoken question?

No speakable specification found on any sampled page.

NOT SCORED

—

What's wrong

No speakable specification found on any sampled page.

Flag the part of a page that answers a spoken question, the lede or the summary, so an assistant reads that rather than guessing at a paragraph.

Evidence

Standard only

2027-04-18

Replaces LI-2

Sources (1)

- [Google Search updates log (retirements)](https://developers.google.com/search/updates) current A

Fixed by

- Back-end developer (lead)
- Content team

[See EXT-11 in the full index →](https://readinessindex.io/tests#c-EXT-11)

EXT-12

Do you tell search engines the moment a page changes?

No IndexNow key file was discoverable. The file is named after the key, which is not published, so this is 'not discoverable' rather than proof of absence.

NOT SCORED

—

What's wrong

No IndexNow key file was discoverable. The file is named after the key, which is not published, so this is 'not discoverable' rather than proof of absence.

Tell search engines the moment a page changes, rather than waiting to be crawled again.

Evidence

Search index

2027-04-18

Replaces LI-3

Sources (1)

- [Bing Webmaster Blog, sitemaps in AI-powered search](https://blogs.bing.com/webmaster/July-2025/Keeping-Content-Discoverable-with-Sitemaps-in-AI-Powered-Search) 2025-07-31 A

Fixed by

- Back-end developer (lead)
- Search specialist

[See EXT-12 in the full index →](https://readinessindex.io/tests#c-EXT-12)

EXT-13

Can an assistant ask your site a question directly?

No NLWeb endpoint was discoverable.

NOT SCORED

—

What's wrong

No NLWeb endpoint was discoverable.

A natural-language endpoint over your own structured data, so an assistant can ask your site a question instead of scraping around it.

Evidence

Standard only

2027-04-18

Replaces LI-5

Sources (1)

- [NLWeb](https://github.com/nlweb-ai/NLWeb) undated A

Fixed by

- Back-end developer (lead)
- Operations

[See EXT-13 in the full index →](https://readinessindex.io/tests#c-EXT-13)

EXT-14

Does your site offer its actions to AI browsers as tools?

No WebMCP tool was registered or declared.

NOT SCORED

—

What's wrong

No WebMCP tool was registered or declared.

A page can hand a browser agent its actions by name instead of leaving the agent to work out its buttons.

Evidence

Scanner-listed

(Lighthouse and Cloudflare)

2027-04-18

Sources (3)

- [Chrome for Developers, WebMCP early preview](https://developer.chrome.com/blog/webmcp-epp) 2026-10-18 A
- [Chrome for Developers, Lighthouse agentic browsing](https://developer.chrome.com/docs/lighthouse/agentic-browsing) 2026-10-18 A
- [Cloudflare, Agent Readiness score](https://blog.cloudflare.com/agent-readiness/) 2026-04-17 A

Fixed by

- Front-end developer (lead)
- Back-end developer

[See EXT-14 in the full index →](https://readinessindex.io/tests#c-EXT-14)

EXT-15

Can an AI agent find out how to sign in to your site?

NOT SCORED

—

EXT-16

Do you publish a card or a skills list for the agents you run?

No agent card or skills index was found.

NOT SCORED

—

What's wrong

No agent card or skills index was found.

If your site runs an agent, a card tells other agents what it can do and where to reach it.

Evidence

Scanner-listed

(Cloudflare)

2027-04-18

Sources (3)

- [Cloudflare, Agent Skills discovery RFC](https://github.com/cloudflare/agent-skills-discovery-rfc) 2026 A
- [specification.website, A2A agent cards](https://specification.website/spec/agent-readiness/a2a-agent-cards.md) 2026 C
- [Cloudflare, Agent Readiness score](https://blog.cloudflare.com/agent-readiness/) 2026-04-17 A

Fixed by

- Back-end developer (lead)
- Operations

[See EXT-16 in the full index →](https://readinessindex.io/tests#c-EXT-16)

EXT-17

Do you list your agents in your domain's DNS records?

No SVCB record at _index._agents.eastexcu.org.

NOT SCORED

—

What's wrong

No SVCB record at _index._agents.eastexcu.org.

A domain can announce its agents in DNS, where an agent looks before it fetches anything.

Evidence

Scanner-listed

(Cloudflare)

2027-04-18

Sources (1)

- [IETF, DNS-AID draft](https://datatracker.ietf.org/doc/html/draft-mozleywilliams-dnsop-dnsaid-01) 2026-03 A

Fixed by

- Operations

[See EXT-17 in the full index →](https://readinessindex.io/tests#c-EXT-17)

EXT-18

Do you tell AI shoppers how they can pay?

NOT SCORED

—

EXT-19

Does robots.txt say where your sitemap is?

NOT SCORED

—

Why we test this

robots.txt names 1 sitemap(s) and 429 URLs were read.

A sitemap that robots.txt names is found by every crawler without guessing an address.

Evidence

Scanner-listed

(Cloudflare)

2027-04-18

Sources (2)

- [Sitemaps.org, the sitemap protocol](https://www.sitemaps.org/protocol.html) undated A
- [Cloudflare, Agent Readiness score](https://blog.cloudflare.com/agent-readiness/) 2026-04-17 A

EXT-20

Can an AI browser see the controls on your page?

0 of 32 sampled pages have no control hidden from the accessibility tree, no invalid role and no role without its parent; 7680 problems in all.

NOT SCORED

—

What's wrong

0 of 32 sampled pages have no control hidden from the accessibility tree, no invalid role and no role without its parent; 7680 problems in all.

A browser agent finds what it can press through the accessibility tree, and a broken tree hides or mislabels controls from it.

Evidence

Scanner-listed

(Lighthouse)

2027-04-18

Sources (2)

- [Chrome for Developers, Lighthouse accessibility for agents](https://developer.chrome.com/docs/lighthouse/agentic-browsing/accessibility-for-agents) 2026-10-18 A
- [W3C, WAI-ARIA 1.2](https://www.w3.org/TR/wai-aria-1.2/) 2023 A

Fixed by

- Front-end developer

[See EXT-20 in the full index →](https://readinessindex.io/tests#c-EXT-20)

MSR-1

Can people finish key tasks without relying on JavaScript-only clicks?

NOT SCORED

—

MSR-2

Can you count visits that come from AI assistants?

Whether a channel group exists for AI assistant referrers is not visible from outside. Analytics presence is; the grouping is not.

NOT SCORED

—

What we're measuring

Whether a channel group exists for AI assistant referrers is not visible from outside. Analytics presence is; the grouping is not.

Visits from ChatGPT, Perplexity, Claude and the rest land in Direct by default, where they disappear. A channel group makes them countable.

Evidence

AI product

2027-04-18

Replaces BP-3

Sources (2)

- [Google Analytics, default channel groups](https://support.google.com/analytics/answer/9756891) undated A
- Google Analytics AI Assistant channel 2026-05-13 (read through a summary; address to confirm) B

Fixed by

- Search specialist

[See MSR-2 in the full index →](https://readinessindex.io/tests#c-MSR-2)

MSR-3

Do you keep your crawler logs long enough to use them?

Log retention and queryability are not observable from outside the site.

NOT SCORED

—

What we're measuring

Log retention and queryability are not observable from outside the site.

Crawler logs have to survive long enough to show a before and an after. Many hosts discard them in days.

Evidence

Practice

2027-04-18

Replaces BP-5

Sources (1)

- [Cloudflare, Logs](https://developers.cloudflare.com/logs/) undated A

Fixed by

- Operations

[See MSR-3 in the full index →](https://readinessindex.io/tests#c-MSR-3)

MSR-4

Do you get a regular report on AI crawler visits?

NOT SCORED

—

MSR-5

Do you ask AI assistants the same questions every month and keep the answers?

Answer-share tracking happens outside the site and must be attested.

NOT SCORED

—

What we're measuring

Answer-share tracking happens outside the site and must be attested.

Ask the same questions of the same assistants every month and keep the answers, so you can see whether what they say about you is changing.

Evidence

None found

2027-04-18

Replaces BP-7

Sources (1)

- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

Fixed by

- Search specialist

[See MSR-5 in the full index →](https://readinessindex.io/tests#c-MSR-5)

MSR-6

Have you measured how accurately an AI reads your page?

No extraction-fidelity baseline is captured by this version of the scanner, which makes no live model calls.

NOT SCORED

—

What we're measuring

No extraction-fidelity baseline is captured by this version of the scanner, which makes no live model calls.

Feed a page to an assistant, ask it your key questions, and score the answers. Do it again after the fixes and compare.

Evidence

None found

2027-04-18

Replaces BP-8

Sources (1)

- [Google, AI optimization guide](https://developers.google.com/search/docs/fundamentals/ai-optimization-guide) 2026-07-10 A

Fixed by

- Search specialist (lead)
- Content team

[See MSR-6 in the full index →](https://readinessindex.io/tests#c-MSR-6)

MSR-7

Are you set up in Google Search Console and Bing Webmaster Tools, and do you read their AI reports?

NOT SCORED

—

Why we test this

Google Search Console and Bing Webmaster Tools verification found on the page. Whether sitemaps are submitted and alerts reach a person cannot be seen from outside.

Verify your site in both Google Search Console and Bing Webmaster Tools, and read their AI reports. Bing's index feeds several AI products.

Evidence

AI product

2027-04-18

Replaces BP-9

Sources (1)

- [Bing Webmaster Tools](https://www.bing.com/webmasters/about) undated A

MSR-8

Does your page hold still while it loads?

NOT SCORED

—

Why we test this

32 of 32 rendered pages shifted by 0.1 or less; the worst shifted 0.06.

An agent that acts from a screenshot clicks where a button was, so a page that moves under it makes it miss.

Evidence

Scanner-listed

(Lighthouse)

2027-04-18

Sources (2)

- [Chrome for Developers, Lighthouse layout stability](https://developer.chrome.com/docs/lighthouse/agentic-browsing/layout-stability) 2026-10-18 A
- [web.dev, Cumulative Layout Shift](https://web.dev/articles/cls) 2024 A

Not applicable: 22 tests answered with a dash, excluded from the score: RED-9, RED-11, UND-3, UND-9, ACT-3, PST-3, PST-5, PST-6, EXT-2, EXT-3, EXT-7, EXT-8, EXT-9, EXT-10, EXT-15, EXT-18, MSR-1, MSR-2, MSR-3, MSR-4, MSR-5, MSR-6.

What was read

## 32 pages, sampled from this site’s own sitemap and internal links

The cap is 32, a ceiling and not a certainty: a site with fewer reachable pages yields fewer.

32 pages crawled

- [www.eastexcu.org](https://www.eastexcu.org/)
- [eastexcu.org/products-services](https://eastexcu.org/products-services)
- [eastexcu.org/products-services/loans](https://eastexcu.org/products-services/loans)
- [eastexcu.org/products-services/loans/auto-loans](https://eastexcu.org/products-services/loans/auto-loans)
- [eastexcu.org/products-services/loans/share-secured-loans](https://eastexcu.org/products-services/loans/share-secured-loans)
- [eastexcu.org/products-services/loans/personal-loans](https://eastexcu.org/products-services/loans/personal-loans)
- [eastexcu.org/products-services/loans/motorcycle-loans](https://eastexcu.org/products-services/loans/motorcycle-loans)
- [eastexcu.org/products-services/loans/boat-loans](https://eastexcu.org/products-services/loans/boat-loans)
- [eastexcu.org/products-services/loans/rv-loans](https://eastexcu.org/products-services/loans/rv-loans)
- [eastexcu.org/products-services/loans/mortgage](https://eastexcu.org/products-services/loans/mortgage)
- [eastexcu.org/products-services/loans/apply-loan](https://eastexcu.org/products-services/loans/apply-loan)
- [eastexcu.org/products-services/checking-savings](https://eastexcu.org/products-services/checking-savings)
- [eastexcu.org/products-services/checking-savings/checking](https://eastexcu.org/products-services/checking-savings/checking)
- [eastexcu.org/products-services/checking-savings/savings](https://eastexcu.org/products-services/checking-savings/savings)
- [eastexcu.org/products-services/checking-savings/iras](https://eastexcu.org/products-services/checking-savings/iras)
- [eastexcu.org/products-services/checking-savings/certificates-cds](https://eastexcu.org/products-services/checking-savings/certificates-cds)
- [eastexcu.org/products-services/checking-savings/money-market](https://eastexcu.org/products-services/checking-savings/money-market)
- [eastexcu.org/products-services/cards](https://eastexcu.org/products-services/cards)
- [eastexcu.org/products-services/cards/visa-credit-cards](https://eastexcu.org/products-services/cards/visa-credit-cards)
- [eastexcu.org/products-services/cards/debitcheck-cards](https://eastexcu.org/products-services/cards/debitcheck-cards)
- [eastexcu.org/products-services/services](https://eastexcu.org/products-services/services)
- [eastexcu.org/products-services/services/calculators](https://eastexcu.org/products-services/services/calculators)
- [eastexcu.org/products-services/services/cashiers-checks](https://eastexcu.org/products-services/services/cashiers-checks)
- [eastexcu.org/products-services/services/wireselectronic-transfers](https://eastexcu.org/products-services/services/wireselectronic-transfers)
- [eastexcu.org/products-services/services/mobile-banking](https://eastexcu.org/products-services/services/mobile-banking)
- [eastexcu.org/products-services/services/shared-branching](https://eastexcu.org/products-services/services/shared-branching)
- [eastexcu.org/products-services/services/safe-deposit-boxes](https://eastexcu.org/products-services/services/safe-deposit-boxes)
- [eastexcu.org/products-services/services/e-statements](https://eastexcu.org/products-services/services/e-statements)
- [eastexcu.org/products-services/services/online-banking-account-access](https://eastexcu.org/products-services/services/online-banking-account-access)
- [eastexcu.org/products-services/services/budget-tools](https://eastexcu.org/products-services/services/budget-tools)
- [eastexcu.org/products-services/services/insurance](https://eastexcu.org/products-services/services/insurance)
- [eastexcu.org/products-services/services/trustage](https://eastexcu.org/products-services/services/trustage)

32 other pages, all 200, by template

1×

/

https://www.eastexcu.org/

1×

/products-services

https://eastexcu.org/products-services

4×

/products-services/*

https://eastexcu.org/products-services/loans

8×

/products-services/loans/*

https://eastexcu.org/products-services/loans/auto-loans

5×

/products-services/checking-savings/*

https://eastexcu.org/products-services/checking-savings/checking

2×

/products-services/cards/*

https://eastexcu.org/products-services/cards/visa-credit-cards

11×

/products-services/services/*

https://eastexcu.org/products-services/services/calculators

The receipt

## Everything needed to check this number

| Cohort | [banks-credit-unions](https://readinessindex.io/census/2026-Q4/banks-credit-unions) |
| --- | --- |
| Source | FDIC BankFind institutions and NCUA quarterly call report data (FOICU, FS220, FS220D) (Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA), 2026-10-09 (FDIC); 2026-06 call report (NCUA)) |
| Index | 12.0, in effect 2026-10-18 |
| Scanner | 0.1.0 |
| Scanned | 2026-10-19T15:27:48.801885+00:00 |
| Result hash | 9b383ee4c557b1273025dc000e9799031d2b55a80e5bd0ec625eb9ebe8e5cfa0 |
| Basis | public-interest census: a declared bot with a published policy at https://readinessindex.io/bot, honoring robots.txt addressed to AIRBot, reading public pages only. No per-site permission was sought or given. |

The hash is the SHA-256 of the full `result.json`, recorded when the scan finished rather than computed now. The raw evidence behind every line above, every response, cached, is retained and is a median 1.5 MB per site, so it is not served from here. [Ask us for it](mailto:hello@readinessindex.io) if you want to check a number against the bytes it came from.

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**About these numbers.** Points are whole numbers everywhere on this page. The arithmetic behind them is not: a test scores its weight times its band divided by four, so a row can earn 1.5 points and print as 2. Scores are computed from the exact figures and rounded once, at the end, never from the rounded rows. The rule is published in [the standard](https://readinessindex.io/tests#rounding).
