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 5,901–6,000 of 8,519 · page 60 of 86

SiteScore GatedPages read Report
Rutgers rutgersfcu.orgNCUA 9237 · New Brunswick, NJ 45 No 1
First Bank of Utica no website on recordFDIC 14281 · Utica, Nebraska; no web address reported to the FDIC — No —
Freestone freestonecu.orgNCUA 68005 · Teague, TX 48 No 1
Idaho United idahounited.orgNCUA 68361 · Boise, ID 45 No 1
Hereford Texas htfcu.comNCUA 1401 · Hereford, TX 47 Gated 14
SM smfederal.orgNCUA 13941 · Mission, KS 67 No 1
The Farmers State Bank fsbmarcus.comFDIC 8503 · Marcus, Iowa 45 No 12
Midwest Coalition of Labor mclcu.orgNCUA 61847 · Countryside, IL 48 Gated 32
Sycamore sycamorefcu.comNCUA 5241 · Sycamore, AL 52 Gated 32
Safeway safewayfcu.comNCUA 8132 · Spokane, WA 42 Gated 21
Scottsburg Building and Loan Association sblaonline.comFDIC 29910 · Scottsburg, Indiana 47 No 13
Greater Metro greatermetrofcu.orgNCUA 20382 · Long Island Cit, NY 42 Gated 32
Fedfinancial fedfinancial.orgNCUA 216 · Silver Spring, MD 44 Gated 32
Conneaut Savings Bank conneautsavings.comFDIC 28677 · Conneaut, Ohio 28 Gated 1
Greater Pittsburgh greaterpittsburghfcu.orgNCUA 10671 · Pittsburgh, PA 63 No 19
Kemba Roanoke kembafcu.orgNCUA 107 · Salem, VA 33 Gated 1
Churchill County myccfcu.orgNCUA 11824 · Fallon, NV 57 No 1
Foundation foundationcreditunion.coNCUA 61157 · Springfield, MO 50 Gated 1
Park Bank, National Association parkbank.bankFDIC 13054 · Holmen, Wisconsin 45 No 8
Members 1St me1stcu.comNCUA 67770 · Saint Louis, MO 54 No 31
Southern southernfederalcu.orgNCUA 9214 · Houston, TX 45 No 1
Kbr Heritage kbrhfcu.orgNCUA 8344 · Houston, TX 60 No 22
Randall State Bank randallstatebank.comFDIC 10969 · Randall, Minnesota 53 No 1
Northern Colorado nococu.orgNCUA 65775 · Greeley, CO 64 No 32
Virginia Educators Credit Union vecu.orgNCUA 66700 · Newport News, VA 51 Gated 32
Teamsters Council #37 tcu37.comNCUA 68742 · Portland, OR 51 Gated 32
Chattanooga Federal Employees cfecu.orgNCUA 62537 · Chattanooga, TN 59 No 32
Elysian Bank elysianbank.netFDIC 10185 · Elysian, Minnesota 44 Gated 23
Empire One empireonefcu.orgNCUA 613 · Cheektowaga, NY 41 Gated 32
Omaha Firefighters omahafirefighterscu.orgNCUA 66126 · Omaha, NE 42 Gated 8
Intandem intandemcu.comNCUA 62249 · Grand Rapids, MI 56 Gated 32
Bank of Hazelton bankofhazelton.netFDIC 17813 · Hazelton, North Dakota 51 Gated 25
Bethlehem 1St beth1st.orgNCUA 716 · Bethlehem, PA 55 No 22
Heartland State Bank heartlandstatebank.comblockedFDIC 3919 · Edgeley, North Dakota; not measured: HTTP 403 — No —
Evergreendirect evergreendirect.orgNCUA 68546 · Tumwater, WA 63 No 32
Hoboken School Employees hsefcu.coopNCUA 2155 · Hoboken, NJ 60 No 13
Tri-Cities Community tri-cu.comNCUA 19608 · Kennewick, WA 54 No 23
Commercial State Bank no website on recordFDIC 1986 · Republican City, Nebraska; no web address reported to the FDIC — No —
Century Savings and Loan Association centurysavings.comFDIC 28860 · Trinidad, Colorado 50 No 16
Daviess County Teachers dctfcu.comNCUA 20684 · Owensboro, KY 39 Gated 32
Health Care Family healthcarefamilycreditunNCUA 63249 · Saint Louis, MO 33 Gated 1
First Security Bank - West firstsecuritybanks.comFDIC 10253 · Beulah, North Dakota 68 No 32
Blackstone River blackstoneriverfcu.orgNCUA 24523 · Woonsocket, RI 28 Gated 1
Michigan Columbus mcfcu.netNCUA 5554 · Livonia, MI 52 Gated 32
Peoples peoples-cu.comNCUA 66155 · Springfield, CO 46 Gated 22
Olive View Employees oliveviewfcu.comNCUA 1034 · Sylmar, CA 67 No 1
Southeast First National Bank southeastfnb.comblockedFDIC 19819 · Summerville, Georgia; not measured: HTTP 403 (CloudFront) — No —
State Bank statebankspencer.comFDIC 16151 · Spencer, Iowa 33 Gated 1
First Priority firstpriorityfcu.orgNCUA 24649 · Huntington, WV 55 No 32
New England Teamsters netfcu.orgNCUA 21507 · Charlestown, MA 49 Gated 32
Bonanza Valley State Bank bvsb.bankFDIC 10993 · Brooten, Minnesota 43 No 28
Texan Sky texansky.comNCUA 3938 · Dumas, TX 55 No 32
Fidelity Personal Trust Company, FSB fidelity.comFDIC 35206 · Merrimack, New Hampshire 57 No 1
Cochise cochisecu.comNCUA 60151 · Willcox, AZ 58 No 9
Ely Area elyareacu.orgNCUA 63398 · Ely, MN 51 Gated 26
Education Personnel educationpersonnelfcu.coNCUA 1969 · Danville, IL 33 Gated 1
West Valley National Bank wvnb.netFDIC 58426 · Goodyear, Arizona 59 No 21
L C E lcefcu.orgNCUA 13885 · Painesville, OH 46 Gated 32
Modesto's First m1fcu.orgNCUA 4022 · Modesto, CA 62 No 32
Ipswich State Bank isbipswich.comFDIC 15593 · Ipswich, South Dakota 42 Gated 13
Nebraska State Bank fsa-loans.comblockedFDIC 9819 · Oshkosh, Nebraska; not measured: HTTP 403 — No —
Lincoln Public School Employees lpscu.comNCUA 2643 · Lincoln, NE 56 No 1
LA Porte Community laportecfcu.comNCUA 2051 · La Porte, IN 49 No 31
Champion championcu.orgNCUA 63100 · Toledo, OH 51 No 32
Altamaha altamaha.orgNCUA 10262 · Jesup, GA 45 Gated 32
Cleveland-Bradley Cty Teacher cbctfcu.comNCUA 14677 · Cleveland, TN 53 No 10
Albright albrightcu.comNCUA 68620 · Bethel, CT 65 Gated 32
Brokaw brokawcu.comNCUA 67000 · Weston, WI 60 No 32
Bank of Iberia bankofiberia.comblockedFDIC 8584 · Iberia, Missouri; not measured: HTTP 403 — No —
Riverside Bank riversidebanc.comFDIC 93 · Sparkman, Arkansas 54 No 13
Union State Bank unionstbank.comFDIC 16788 · Uniontown, Kansas 53 No 1
Citizens State Bank of Luling csbsa.comblockedFDIC 10327 · Luling, Texas; not measured: HTTP 403 — No —
Gale galecu.netNCUA 60327 · Galesburg, IL 49 Gated 32
Northern Star Credit Union, Inc. nstarcu.orgNCUA 66956 · Portsmouth, VA 49 Gated 30
The First National Bank of Brooksville fnbfirst.comFDIC 2682 · Brooksville, Kentucky 28 Gated 1
New York Times Employees nytimescu.orgNCUA 9358 · New York, NY 62 No 32
Anchor State Bank anchorstatebank.comFDIC 11681 · Anchor, Illinois 60 No 32
Integrity integrityfcu.orgNCUA 475 · Barberton, OH 55 No 32
The State Bank of Pearl City pearlcitybank.comFDIC 16344 · Pearl City, Illinois 48 No 32
Hawaii First hawaiifirstfcu.comNCUA 10938 · Kamuela, HI 44 Gated 32
Lennox Employees lennoxecu.comNCUA 64234 · Marshalltown, IA 50 No 31
M. C. T. mct-fcu.orgNCUA 13766 · Amsterdam, NY 33 Gated 1
Polam polam.orgNCUA 19739 · Los Angeles, CA 60 Gated 32
Farmers State Bank of Trimont trimontbank.comFDIC 1929 · Trimont, Minnesota 41 Gated 32
Community State Bank of Canton csbcanton.comFDIC 26416 · Canton, Oklahoma 61 No 17
Lan-Fair lanfairfcu.comNCUA 17327 · Lancaster, OH 52 Gated 6
Delta County deltacountyfcu.comblockedNCUA 24381 · Delta, CO; not measured: HTTP 403 — No —
Polam polamfcu.comNCUA 21502 · Redwood City, CA 63 No 32
Connect Community Bank mycc.bankFDIC 28266 · Raymond, Washington 51 No 5
Farmers State Bank yalebankiowa.comFDIC 9106 · Yale, Iowa 49 Gated 31
Apex Banking Company of Georgia apexga.bankblockedFDIC 10074 · Cleveland, Georgia; not measured: HTTP 403 — No —
Haskell National Bank haskellnationalbank.comFDIC 14399 · Haskell, Texas 66 No 20
Professional Fire Fighters profirefighterscu.comNCUA 62337 · Shreveport, LA 48 No 1
Galaxy galaxyfcu.comNCUA 4116 · Franklin, PA 62 No 32
Ever $ Green evergreenfcu.comNCUA 18649 · Rochester, NY 47 Gated 26
167Th Tfr 167tfrfcu.comNCUA 13028 · Martinsburg, WV 50 Gated 28
Avista Corp. avistacu.comNCUA 68284 · Spokane, WA 45 No 1
First State Bank fsb-nashua.comFDIC 57910 · Nashua, Iowa 52 Gated 17
Hurricane Creek hurricanecreekfcu.orgNCUA 11786 · Benton, AR 54 Gated 32
Tobacco Valley Teachers tvtfcu.orgNCUA 1077 · Enfield, CT 49 Gated 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