US Banks and Credit Unions

banks-credit-unions

Every active FDIC-insured bank and federally insured credit union, largest by total assets first.

Index 12.0 · scanned 2026-10-11 · up to 32 URLs per site · 8519 organizations · 7198 scanned (84.5% coverage) · 499 with no published URL · scored as financial-services

Median score 54 across 7198 sites
Middle half 47–60 spread around the median
Full range 16–77 lowest to highest
Gated 2722 of 7198 block AI crawlers outright

Middle of 14 cohorts. All cohorts 50 · best cohort 58.

Where this list came from

The source, and how we filtered it

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))
LicenseWorks of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105).
How we filtered itActive FDIC-insured institutions from BankFind (ACTIVE:1), with the website the institution reported (WEBADDR) and total assets (ASSET, in thousands of dollars), plus every federally insured credit union in NCUA's June 2026 call report data: name and location from FOICU, total assets (ACCT_010, dollars) from FS220 and the website the credit union gave on its call report (ACCT_891) from FS220D. Both are put in dollars and the list is ordered by total assets, largest first, so the rank is the order. A `kind` tag on each row says bank or credit union. An address is taken as reported and reduced to the site root; a blank stays a row with a note, never searched for. Institutions that share a website (banks of one holding company, mostly) are all kept and the site is measured once. See scripts/prepare_banks_credit_unions.py.
Built2026-10-11

The filtering is ours and is disclosed as ours. The source published a list; the decision about which rows of it belong in a cohort was a judgment call, and it is written down so somebody can disagree with it.

Distribution

Where the 7198 sites land

GradeShare of the cohort SitesShare
Adequate
1862 25.9%
Weak
4440 61.7%
Not ready
878 12.2%
Strong
18 0.3%
By dimension

What the cohort earns, dimension by dimension

The mean share of each dimension’s available points that this cohort earned. Low here means the whole sector is weak on it, not that one site dragged an average down. The per-site spread is in the dataset.

DimensionMean share earned Mean
#1 · Reach
These parameters determine the fundamental ease of access that AI has to your site information.
74%
#2 · Read
AI generally turns off JavaScript. Does your site information survive without it?
47%
#3 · Understand
Does a machine know who and what you are?
27%
#4 · Act
Sitemaps, redirects, 404s, licensing terms, and not wasting the crawl budget.
66%
How much of each site we read

The cap is 32 URLs and it is a ceiling, not a promise. A portal whose every link points at a different host yields one page; a university yields the full sample. The median here is 32, the range 1–32, published so that "we sampled 32 URLs per site" cannot become a claim the data does not support.

67 sites in this cohort served a certificate we could not verify. They were read anyway and scored normally, because reporting no response for a site every browser loads would describe our TLS stack rather than the site, and each one carries the finding in its row.

Where this cohort fails

4 tests almost nobody in this cohort passes

Universal — nobody passes these 4 checks
TestWhat it asks FailingOf Points
EXT-12 Do you tell search engines the moment a page changes?
100.0% 		7198 0
EXT-14 Does your site offer its actions to AI browsers as tools?
100.0% 		6856 0
EXT-16 Do you publish a card or a skills list for the agents you run?
100.0% 		7198 0
EXT-17 Do you list your agents in your domain's DNS records?
100.0% 		7060 0
Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
EXT-11 Have you marked the part of a page that answers a spoken question?
99.9% 		7198 0
EXT-7 If you run real question-and-answer pages, are they marked as such?
99.7% 		326 0
PST-2 Have you posted a Content Signals statement about what AI may do with your content?
99.5% 		7198 0
EXT-18 Do you tell AI shoppers how they can pay?
99.4% 		516 0
RED-12 If a machine asks for Markdown, does your site give it?
99.4% 		7198 2
EXT-2 Do you list your APIs and agent tools where agents look for them?
99.2% 		603 0
RED-10 Do you offer a plain-text (Markdown) copy of your pages?
99.0% 		5669 2
UND-1 Does your site say clearly who you are?
97.8% 		7198 2
UND-5 Does the author label in your page code point to that person?
97.6% 		5095 1
RED-5 Do your PDFs and images have their own rules for search and quoting?
97.4% 		5472 1
EXT-1 Do you publish an llms.txt file for coding assistants?
95.0% 		7198 0
Common — 90 to 95% 7 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
RED-11 Does each page tell machines where its Markdown copy is?
94.9% 		59 1
UND-2 Does your site use the page labels that search engines still read for what you publish?
94.5% 		7197 3
PST-4 Have you reserved your text and data mining rights in a form machines can read?
92.3% 		7198 0
EXT-13 Can an assistant ask your site a question directly?
92.2% 		7198 0
EXT-4 Can an AI assistant connect to your site as a tool?
91.7% 		7198 0
UND-3 Do the prices and availability in your page code match what the page shows?
90.5% 		516 3
UND-10 Does your page code link to your official profiles elsewhere?
90.1% 		7198 2

Coral bars mark tests worth 2 points or more, the failures that actually move a score.

Every site

Every 8,519, named, with a report for each

Whether or not it has been scanned. Rows with no website on record, sites that were unreachable and sites that turned us away stay in the table with the reason on them, and none of them enters an average: dropping them would shrink the population to the part that was easy to measure. A few points between two neighbors is noise. The box filters every row in the cohort, not only the page you are on; click a header to sort the rows on this page by name or by score.

Showing 5,601–5,700 of 8,519 · page 57 of 86

SiteScore GatedPages read Report
Miners Exchange Bank mymeb.comFDIC 23989 · Coeburn, Virginia 43 Gated 30
Family Advantage myfafcu.orgNCUA 24603 · Spring Hill, TN 48 No 1
Sheboygan Area shebareacu.comNCUA 66616 · Sheboygan, WI 47 Gated 32
Transit Employees tefcu.orgNCUA 3764 · Greenbelt, MD 67 No 32
Integrity Bank Plus integritybank.comFDIC 15578 · Wabasso, Minnesota 38 No 16
Dakota Plains dakotaplainscreditunion.NCUA 63613 · Edgeley, ND 33 Gated 1
Coastal Community coastalcommunityfcu.orgNCUA 11927 · Galveston, TX 48 Gated 32
Triumph State Bank triumphbanks.comFDIC 1906 · Trimont, Minnesota 41 No 23
Central Jersey cjfcu.orgNCUA 1108 · Woodbridge, NJ 57 No 32
Waterfront waterfrontfcu.orgNCUA 16178 · Seattle, WA 46 No 32
Family Horizons familyhorizons.comNCUA 64942 · Indianapolis, IN 70 No 32
Christian Family christianfamilycu.comNCUA 68746 · North Canton, OH 44 Gated 32
Ladysmith Federal Savings and Loan Association ladysmithfederal.comFDIC 28983 · Ladysmith, Wisconsin 28 Gated 1
Northwoods Community northwoodscu.comNCUA 67240 · Park Falls, WI 70 No 32
Progressions progressionscu.orgNCUA 68255 · Spokane, WA 45 No 32
Formation formationcu.comNCUA 3061 · Baton Rouge, LA 60 No 32
First Farmers & Merchants State Bank of Grand Meadow ffmbank.comFDIC 15621 · Grand Meadow, Minnesota 56 No 32
Junction National Bank junctionnational.comFDIC 15078 · Junction, Texas 58 Gated 32
Wesla wesla.orgNCUA 20749 · Shreveport, LA 68 No 29
Farmers & Merchants Bank of Craig County fmbankcraig.comFDIC 9986 · New Castle, Virginia 35 No 18
Chicago Firefighter's chicagofirefighterscu.coNCUA 61209 · Chicago, IL 33 Gated 1
Flat Branch Bank flatbranchbank.comFDIC 15751 · Richmond, Missouri 57 No 28
The First National Bank of Trinity fnbtrinity.comblockedFDIC 5559 · Trinity, Texas; not measured: HTTP 403 (CloudFront) — No —
McKesson & Healthcare Providers mahpfcu.orgNCUA 8774 · Martinez, CA 61 No 32
Sanborn Savings Bank sanbornbank.comFDIC 11352 · Sanborn, Iowa 52 No 32
Upward upwardcu.orgNCUA 65323 · Burlingame, CA 66 No 32
Western New York wnyfcu.comNCUA 16042 · West Seneca, NY 56 Gated 27
Memorial Employees Financial mefcu.orgNCUA 68738 · Hollywood, FL 42 No 32
Sicily Island State Bank sibank.netFDIC 12722 · Sicily Island, Louisiana 54 No 12
Traverse Catholic tcfedcu.orgNCUA 6844 · Traverse City, MI 41 Gated 32
Baycel baycel.orgNCUA 15563 · Bay City, TX 51 No 12
State Highway Patrol patrolcu.comNCUA 13432 · Columbus, OH 52 Gated 32
Daniels-Sheridan dsfcu.netNCUA 5063 · Scobey, MT 48 No 1
Logan State Bank loganstatebank.comFDIC 4476 · Logan, Iowa 53 No 1
Welcome welcomecu.orgNCUA 24807 · Morrisville, NC 57 Gated 32
Vision One visionone.orgNCUA 63137 · Sacramento, CA 60 No 32
Members Source ms-cu.comNCUA 68562 · Merrillville, IN 44 No 32
Sunset sspfcu.comNCUA 13416 · Portland, OR 33 Gated 1
Wellspring wellspringcu.comNCUA 12181 · Bridge City, TX 63 No 32
Good Neighbors goodneighborscu.comNCUA 11663 · Depew, NY 50 Gated 32
Securcommunity securcommunityfcu.orgNCUA 14733 · Cordova, TN 46 No 32
The First National Bank of Orwell fnborwell.comblockedFDIC 6280 · Orwell, Vermont; not measured: HTTP 403 — No —
Peoples peoples-credit-union.comNCUA 64140 · Webster City, IA 49 No 31
Mason City National Bank onlinebanking.masoncitynationalbank.comFDIC 16198 · Mason City, Illinois 48 No 23
Jefferson Credit Union jeffersoncreditunion.orgNCUA 63834 · Hoover, AL 35 Gated 30
The Old Exchange National Bank of Okawville oenbokawville.comFDIC 3827 · Okawville, Illinois 55 No 18
Nova Bank no website on recordFDIC 59326 · Huntsville, Alabama; no web address reported to the FDIC — No —
First Bank and Trust Company firstofminden.comFDIC 5438 · Minden, Nebraska 51 No 32
The First National Bank of Hooker hookerbank.comblockedFDIC 4123 · Hooker, Oklahoma; not measured: HTTP 403 — No —
Marshfield Medical Center mmccu.comNCUA 67066 · Marshfield, WI 49 No 32
County Schools csfcu.orgNCUA 13495 · Ventura, CA 57 Gated 32
Multi-States mymercycu.comNCUA 63306 · Springfield, MO 51 Gated 1
Taylorville Community tccu.orgNCUA 60335 · Taylorville, IL 48 Gated 32
Rockland Savings Bank, FSB rocklandsavingsbank.comFDIC 28369 · Rockland, Maine 62 No 32
Menard Bank menardbank.comFDIC 3336 · Menard, Texas 65 No 1
Tnconnect tnconnectcu.orgNCUA 67666 · Knoxville, TN 63 No 32
Bank of Lake Village bankoflakevillage.comFDIC 15547 · Lake Village, Arkansas 46 No 18
Milton Savings Bank miltonsavingsbank.comFDIC 28637 · Milton, Pennsylvania 39 Gated 12
Arkansas Superior asfcu.coopNCUA 11685 · Warren, AR 64 No 22
CSD csdcu.orgNCUA 62701 · Kansas City, MO 57 No 32
Eagle One eagleonefcu.orgNCUA 464 · Claymont, DE 47 Gated 32
County Savings Bank countysavingsbank.comFDIC 29231 · Essington, Pennsylvania 61 No 29
The Stock Exchange Bank, Caldwell, Kansas stockxbank.comFDIC 15784 · Caldwell, Kansas 54 Gated 28
New South Credit Union newsouthcu.comNCUA 60645 · Knoxville, TN 57 No 18
Evansville evansvillefcu.orgNCUA 14562 · Evansville, IN 49 No 1
Americo americofcu.comNCUA 12752 · Erie, PA 57 No 32
St. Thomas stthomasfcu.comNCUA 7970 · Charlotte Amali, VI 63 Gated 32
Belt Valley Bank beltvalleybank.comFDIC 15362 · Belt, Montana 48 No 1
First State Bank fsbwatonga.comFDIC 21752 · Watonga, Oklahoma 47 Gated 32
Community State Bank csbarkansas.comblockedFDIC 5619 · Bradley, Arkansas; not measured: HTTP 403 (CloudFront) — No —
Community State Bank mycsb.comblockedFDIC 27201 · Hennessey, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
Goetz goetzcu.comNCUA 63606 · St Joseph, MO 65 No 1
The State Exchange Bank stateexchangebank.comFDIC 13551 · Lamont, Oklahoma 58 No 1
Lampco lampco.comNCUA 15248 · Anderson, IN 55 No 32
The Credit Union for All cuforall.comNCUA 63541 · Bloomington, IL 50 Gated 30
Ravalli County ravallicountyfcu.orgNCUA 19732 · Hamilton, MT 47 Gated 32
Eureka Homestead eurekahomestead.comFDIC 29268 · Metairie, Louisiana 64 No 23
Bandera Bank banderabank.comblockedFDIC 26653 · Bandera, Texas; not measured: HTTP 403 — No —
Coast Line coastlinecu.comNCUA 60646 · South Portland, ME 53 No 32
Southland southlandfcu.comNCUA 15815 · Lufkin, TX 74 No 32
Chambers State Bank www,chambersbank.comFDIC 13251 · Chambers, Nebraska 33 Gated 1
My Pensacola mypensacolacu.comNCUA 8442 · Pensacola, FL 41 No 32
Bank of Yates City bankofyatescity.comFDIC 11715 · Yates City, Illinois 48 Gated 31
Taylor taylorcu.orgNCUA 66388 · Medford, WI 71 No 31
Union Yes uyfcu.ogNCUA 24131 · Orange, CA 33 Gated 1
New Century Bank newcenturybankna.comFDIC 8108 · Belleville, Kansas 58 No 17
Westex westexfcu.comNCUA 5373 · Lubbock, TX 56 No 32
DC dccreditunion.coopNCUA 16411 · Washington, DC 72 No 32
Desert Valleys desertvalleys.orgNCUA 5366 · Ridgecrest, CA 44 No 1
Wexford Community wexccu.comNCUA 65639 · Cadillac, MI 50 Gated 32
Snocope snocope.orgNCUA 68622 · Everett, WA 40 Gated 32
Eastern Operating Engineers eoefcu.orgNCUA 21630 · Whitestone, NY 52 No 32
The First National Bank of Dighton fnbdighton.comblockedFDIC 4654 · Dighton, Kansas; not measured: HTTP 403 — No —
Thayer County Bank thayercountybank.comFDIC 11475 · Hebron, Nebraska 48 No 28
The State Bank statebankspiritlake.comFDIC 13715 · Spirit Lake, Iowa 61 No 1
Adirondack Regional adkcreditunion.comNCUA 5546 · Tupper Lake, NY 51 No 32
Siouxland Bank siouxlandbank.comFDIC 23270 · South Sioux City, Nebraska 35 Gated 24
Owensboro ofcuonline.comNCUA 8988 · Owensboro, KY 37 Gated 31
Concorde Bank concordebanks.comFDIC 9727 · Blomkest, Minnesota 44 Gated 32
Firefighters fire-cu.orgNCUA 97052 · Indianapolis, IN 44 No 32

Scores are for the population, not for ranking two named sites against each other. A few points between neighbors is noise. See what these numbers can and cannot support. Data: sites.csv · checks.csv · summary.json