US Banks and Credit Unions
banks-credit-unions
Every active FDIC-insured bank and federally insured credit union, largest by total assets first.
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)) |
|---|---|
| License | Works of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105). |
| How we filtered it | Active 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. |
| Built | 2026-10-11 |
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
| Grade | Share of the cohort | Sites | Share |
|---|---|---|---|
| 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.
| Dimension | Mean 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
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-12 | Do you tell search engines the moment a page changes? | 7198 | 0 | |
| EXT-14 | Does your site offer its actions to AI browsers as tools? | 6856 | 0 | |
| EXT-16 | Do you publish a card or a skills list for the agents you run? | 7198 | 0 | |
| EXT-17 | Do you list your agents in your domain's DNS records? | 7060 | 0 |
Near-universal — 95% and above
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-11 | Have you marked the part of a page that answers a spoken question? | 7198 | 0 | |
| EXT-7 | If you run real question-and-answer pages, are they marked as such? | 326 | 0 | |
| PST-2 | Have you posted a Content Signals statement about what AI may do with your content? | 7198 | 0 | |
| EXT-18 | Do you tell AI shoppers how they can pay? | 516 | 0 | |
| RED-12 | If a machine asks for Markdown, does your site give it? | 7198 | 2 | |
| EXT-2 | Do you list your APIs and agent tools where agents look for them? | 603 | 0 | |
| RED-10 | Do you offer a plain-text (Markdown) copy of your pages? | 5669 | 2 | |
| UND-1 | Does your site say clearly who you are? | 7198 | 2 | |
| UND-5 | Does the author label in your page code point to that person? | 5095 | 1 | |
| RED-5 | Do your PDFs and images have their own rules for search and quoting? | 5472 | 1 | |
| EXT-1 | Do you publish an llms.txt file for coding assistants? | 7198 | 0 |
Common — 90 to 95%
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| RED-11 | Does each page tell machines where its Markdown copy is? | 59 | 1 | |
| UND-2 | Does your site use the page labels that search engines still read for what you publish? | 7197 | 3 | |
| PST-4 | Have you reserved your text and data mining rights in a form machines can read? | 7198 | 0 | |
| EXT-13 | Can an assistant ask your site a question directly? | 7198 | 0 | |
| EXT-4 | Can an AI assistant connect to your site as a tool? | 7198 | 0 | |
| UND-3 | Do the prices and availability in your page code match what the page shows? | 516 | 3 | |
| UND-10 | Does your page code link to your official profiles elsewhere? | 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 6,001–6,100 of 8,519 · page 61 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| United Poles unitedpolesfcu.comNCUA 16577 · Perth Amboy, NJ | 63 | No | 22 | |
| Security State Bank of Kenyon ssbkenyon.comFDIC 15597 · Kenyon, Minnesota | 54 | Gated | 31 | |
| First Heritage Bank firstheritage.bankFDIC 4457 · Shenandoah, Iowa | 66 | No | 32 | |
| Citizens State Bank of Lankin csb100.comFDIC 9422 · Lankin, North Dakota | 33 | Gated | 1 | |
| Jeep Country jeepcountryfcu.comNCUA 2918 · Holland, OH | 48 | No | 1 | |
| Beacon Community beaconccu.orgNCUA 60883 · Louisville, KY | 56 | No | 32 | |
| Midwest Regional mrcu.comNCUA 60037 · Kansas City, KS | 62 | No | 19 | |
| The Peoples Savings Bank psb1911.comFDIC 9439 · New Matamoras, Ohio | 54 | No | 32 | |
| Security Bank and Trust Co. securitybankandtrustmaysvilleky.netFDIC 8121 · Maysville, Kentucky | 33 | Gated | 1 | |
| The First National Bank in Marlow fnbmarlow.comFDIC 26260 · Marlow, Oklahoma | 66 | No | 1 | |
| Scott and White Employees swecu.orgNCUA 67612 · Temple, TX | 48 | No | 1 | |
| Maple maplefcu.netNCUA 10241 · Lafayette, LA | 53 | Gated | 32 | |
| Upper Darby Belltelco udbell.orgNCUA 3819 · Upper Darby, PA | 49 | Gated | 31 | |
| Homestead Savings Bank hsbank.bankFDIC 28667 · Albion, Michigan | 63 | No | 32 | |
| Lanier lanierfcu.orgNCUA 19552 · Oakwood, GA | 44 | No | 32 | |
| Star of Texas staroftexascu.orgNCUA 67512 · Austin, TX | 62 | No | 31 | |
| Universal City Studios ucscu.orgNCUA 64893 · Burbank, CA | 66 | No | 32 | |
| Boonville Federal Savings Bank boonville.bankFDIC 30128 · Boonville, Indiana | 45 | Gated | 20 | |
| EP epfcu.orgNCUA 262 · Washington, DC | 62 | Gated | 32 | |
| JPMorgan Chase Bank, Dearborn no website on recordFDIC 21761 · Dearborn, Michigan; no web address reported to the FDIC | — | No | — | |
| Capital Area capitalareafcu.orgNCUA 9919 · Augusta, ME | 67 | No | 32 | |
| Service 1St s1cu.orgNCUA 67645 · Greenville, TX | 54 | No | 5 | |
| Middle Tennessee midtenfcu.comNCUA 19700 · Cookeville, TN | 69 | No | 27 | |
| Texas Plains texasplainsfederal.orgNCUA 3828 · Amarillo, TX | 49 | Gated | 28 | |
| Meridian Mutual meridianmutualfcu.comblockedNCUA 8433 · Meridian, MS; not measured: HTTP 403 | — | No | — | |
| Kh Credit Union, Inc. khcreditunion.comNCUA 97113 · Dayton, OH | 43 | No | 32 | |
| Battle Creek State Bank battlecreekstatebank.comFDIC 16330 · Battle Creek, Nebraska | 65 | No | 5 | |
| Affinity First affinityfcund.comNCUA 12980 · Minot, ND | 54 | Gated | 32 | |
| DOY doyfcu.comNCUA 20661 · Youngstown, OH | 49 | Gated | 17 | |
| Millstream Area millstreamcu.comNCUA 96756 · Findlay, OH | 64 | No | 32 | |
| The Security State Bank securitystate.netFDIC 19680 · Mcrae, Georgia | 54 | No | 8 | |
| Genoa Community Bank genoacb.comFDIC 5408 · Genoa, Nebraska | 60 | No | 8 | |
| Argentine Federal Savings argentinefed.comFDIC 28507 · Kansas City, Kansas | 57 | No | 29 | |
| Clinton Bank clintonbankky.comFDIC 304 · Clinton, Kentucky | 65 | No | 1 | |
| Healthcare Plus hcpfcu.coopNCUA 23371 · Aberdeen, SD | 62 | No | 32 | |
| Access accessmycu.orgNCUA 61101 · Bristol, PA | 53 | Gated | 32 | |
| West Texas westtexascu.comNCUA 67592 · Odessa, TX | 64 | No | 32 | |
| Walters Bank and Trust Company waltersbt.comFDIC 14260 · Walters, Oklahoma | 48 | No | 1 | |
| Adams State Bank adamsstate.comFDIC 9812 · Adams, Nebraska | 68 | No | 28 | |
| Freedom freedomcu.comNCUA 67129 · Provo, UT | 61 | No | 32 | |
| Franklin Trust franklintrust.orgNCUA 12 · Hartford, CT | 51 | No | 15 | |
| Cotton Belt cottonbeltfcu.comblockedNCUA 1245 · Pine Bluff, AR; not measured: HTTP 403 | — | No | — | |
| Peoples State Bank no website on recordFDIC 13196 · Westhope, North Dakota; no web address reported to the FDIC | — | No | — | |
| Parishioners parishionersfcu.orgNCUA 14650 · Torrance, CA | 66 | No | 32 | |
| Wheatland wheatlandcu.comNCUA 1658 · Lancaster, PA | 49 | No | 32 | |
| Stoneham Municipal Employees smefcu.orgNCUA 15393 · Stoneham, MA | 53 | Gated | 30 | |
| Bank of Holyrood bankofholyrood.comFDIC 9661 · Holyrood, Kansas | 47 | Gated | 19 | |
| American Exchange Bank aebank.comFDIC 10647 · Elmwood, Nebraska | 49 | Gated | 18 | |
| Firefighters firefighterscu.comNCUA 67079 · Draper, UT | 45 | No | 32 | |
| Tahquamenon Area tacumi.comNCUA 60423 · Newberry, MI | 64 | No | 31 | |
| Titan titanfcu.comNCUA 1882 · Pleasant Gap, PA | 56 | Gated | 22 | |
| Kenmore N. Y. Teachers kenteachfcu.comNCUA 858 · Buffalo, NY | 40 | No | 10 | |
| Latitude 32 latitude32.orgNCUA 8059 · Charleston, SC | 49 | Gated | 32 | |
| Alcoa Community alcoacommunityfcu.orgNCUA 11913 · Benton, AR | 47 | Gated | 32 | |
| Greater Together greaterniagarafcu.comNCUA 9537 · Niagara Falls, NY | 48 | No | 1 | |
| Benton County Schools bcscu.orgNCUA 64059 · Corvallis, OR | 48 | No | 32 | |
| Farmers State Bank farmersstatebankky.comFDIC 5838 · Booneville, Kentucky | 60 | No | 27 | |
| Community Bank communitybankavon.comunreachableFDIC 1687 · Avon, South Dakota | — | No | — | |
| Bank of Gueydan bankofgueydan.comFDIC 8144 · Gueydan, Louisiana | 38 | No | 10 | |
| South Texas southtexasfcu.comNCUA 8237 · Mcallen, TX | 28 | Gated | 1 | |
| Friendly friendlyfcu.orgNCUA 10184 · Aliquippa, PA | 57 | No | 18 | |
| Rocket City rocketcityfcu.orgNCUA 9662 · Huntsville, AL | 41 | Gated | 1 | |
| Educational Community Alliance educacu.comNCUA 68181 · Toledo, OH | 60 | No | 32 | |
| Altos Bank altosbank.comFDIC 59339 · Los Altos, California | 59 | No | 32 | |
| Washita Valley Bank no website on recordFDIC 2308 · Fort Cobb, Oklahoma; no web address reported to the FDIC | — | No | — | |
| Copper Basin cbfcreditunion.comunreachableNCUA 16773 · Copperhill, TN | — | No | — | |
| Midland Community Bank mcbbank.netFDIC 19796 · Kincaid, Illinois | 61 | No | 1 | |
| State Bank of Chandler statebankofchandler.bankFDIC 8858 · Chandler, Minnesota | 45 | No | 1 | |
| Pathfinder pathfinderfcu.comNCUA 9148 · Casper, WY | 59 | No | 26 | |
| New Hampshire Postal nhpcu.comNCUA 66207 · Manchester, NH | 48 | No | 1 | |
| Kings Peak kingspeakcu.comNCUA 67160 · Roosevelt, UT | 50 | Gated | 10 | |
| Cornerstone cornerstoneccu.comNCUA 24977 · Fairfield, CT | 49 | No | 1 | |
| First State Bank of San Diego fsbsandiego.comFDIC 17350 · San Diego, Texas | 70 | No | 8 | |
| Nucor Employee's nucorcu.orgNCUA 61028 · Florence, SC | 47 | Gated | 28 | |
| Avestar avestarcu.comNCUA 66537 · Waterloo, WI | 44 | Gated | 32 | |
| Electel Cooperative electel.orgNCUA 24819 · Raleigh, NC | 71 | No | 32 | |
| Community Focus communityfocusfcu.orgNCUA 14098 · Brownstown, MI | 45 | Gated | 32 | |
| Abbeville Building & Loan (A State-Chartered Savings Bank) abbemae.comFDIC 30332 · Abbeville, Louisiana | 54 | No | 21 | |
| First Federal Bank Littlefield, Texas firstfedlfd.comFDIC 30291 · Littlefield, Texas | 49 | No | 32 | |
| WVU Employees wvucu.comNCUA 14611 · Morgantown, WV | 56 | Gated | 32 | |
| The Port Austin State Bank portaustinbank.comFDIC 14999 · Port Austin, Michigan | 67 | No | 20 | |
| Spirit Financial spiritfinancialcu.orgNCUA 60369 · Levittown, PA | 61 | No | 32 | |
| American Spirit americanspirit.orgNCUA 15426 · Newark, DE | 57 | Gated | 32 | |
| The Lauderdale County Bank lauderdalecountybank.comFDIC 22835 · Halls, Tennessee | 30 | Gated | 11 | |
| Bank of Bearden bankofbearden.comblockedFDIC 16282 · Bearden, Arkansas; not measured: HTTP 403 | — | No | — | |
| The Bank of Houston thebankofhouston.comFDIC 13960 · Houston, Missouri | 55 | Gated | 17 | |
| Jackson Parish Bank jacksonparishbank.comFDIC 8799 · Jonesboro, Louisiana | 64 | No | 1 | |
| Homewood Federal Savings Bank homewoodfsb.comFDIC 31267 · Baltimore, Maryland | 63 | No | 32 | |
| Community Bank of Oklahoma bankofverden.comFDIC 4217 · Verden, Oklahoma | 33 | Gated | 1 | |
| Farmers & Traders Bank of Campton farmersandtradersbank.comFDIC 288 · Campton, Kentucky | 63 | No | 26 | |
| SRU srufcu.orgNCUA 12654 · Slippery Rock, PA | 45 | No | 20 | |
| Farmers State Bank fsbelmwood.comFDIC 12107 · Elmwood, Illinois | 55 | Gated | 31 | |
| Escondido escondidofcu.comNCUA 13402 · Escondido, CA | 33 | Gated | 1 | |
| Eagle Express eagleexpressfcu.comNCUA 48 · Jackson, MS | 33 | Gated | 29 | |
| Federated Employees fedecu.comNCUA 64703 · Owatonna, MN | 39 | Gated | 1 | |
| Oklahoma State Bank osbbuffalo.comFDIC 13416 · Buffalo, Oklahoma | 36 | No | 28 | |
| Embarrass Vermillion evfcu.orgNCUA 4708 · Aurora, MN | 53 | No | 32 | |
| Northwest Community nwccu.comNCUA 97108 · Morton Grove, IL | 49 | Gated | 30 | |
| A.B.D. abdfcu.comNCUA 5885 · Warren, MI | 41 | Gated | 32 | |
| Delta Schools deltaschoolsfcu.orgNCUA 24492 · Antioch, CA | 48 | No | 1 |
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