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 6,201–6,300 of 8,519 · page 63 of 86

SiteScore GatedPages read Report
San Juan Mountains sjmcreditunion.orgNCUA 60110 · Montrose, CO 61 No 32
C C S E ccseonline.comblockedNCUA 22754 · Salamanca, NY; not measured: HTTP 403 — No —
Bank360 bank360.bankFDIC 9875 · Cordell, Oklahoma 57 No 7
Buffalo Conrail bufconfcu.comNCUA 845 · Cheektowaga, NY 54 Gated 32
Elevate Bank, National Association elevate.bankFDIC 4770 · Sedan, Kansas 59 No 23
State Bank of Scotia statebankofscotia.bankFDIC 14069 · Scotia, Nebraska 51 Gated 32
Aspire Bank aspirebanks.comFDIC 3934 · Fargo, North Dakota 48 No 14
Jackson Area jacksonareafcu.comNCUA 8445 · Jackson, MS 56 No 1
First Pioneers firstpioneers.comNCUA 24783 · Lafayette, LA 65 No 32
Merho merhofcu.orgNCUA 20921 · Johnstown, PA 52 Gated 32
The Farmers State Bank of Bucklin, Kansas fsbbucklin.comFDIC 18101 · Bucklin, Kansas 52 Gated 16
Loco lococreditunion.comNCUA 66117 · Alamogordo, NM 51 Gated 31
Vergas State Bank vergasstatebank.comFDIC 9747 · Vergas, Minnesota 41 No 16
Commerce Bank Texas commercebanktx.comFDIC 15346 · Stockdale, Texas 48 No 1
First Street 1stfcu.comNCUA 20417 · Deridder, LA 47 No 1
The Peoples Bank peoplesgambier.comFDIC 389 · Gambier, Ohio 52 Gated 17
Post Office Employees poefcu.orgNCUA 24712 · Shreveport, LA 34 Gated 32
Acclaim acclaimfcu.orgNCUA 23386 · Greensboro, NC 69 No 32
Green River Area greenriverafcu.comNCUA 12852 · Owensboro, KY 48 Gated 32
LM lmfcu.orgNCUA 6039 · Baltimore, MD 62 No 32
Falls Catholic fallsccu.orgNCUA 96707 · Cuyahoga Falls, OH 48 No 1
New Century newcenturyfcu.orgNCUA 1251 · Joliet, IL 66 No 32
Horizon myhorizoncu.orgNCUA 68138 · Kingsport, TN 43 Gated 32
Promedica promedicafcu.comNCUA 21226 · Toledo, OH 28 Gated 1
Motion motionfcu.orgNCUA 53 · Linden, NJ 52 Gated 32
Raytown-Lee's Summit Community rlsccu.orgNCUA 62815 · Raytown, MO 46 No 31
The Waterford Commercial and Savings Bank waterfordbank.comblockedFDIC 8397 · Waterford, Ohio; not measured: HTTP 403 — No —
Strip Steel Community stripsteelcfcu.comNCUA 8418 · Weirton, WV 46 Gated 32
The Blue Grass Valley Bank bluegrassvalleybank.comFDIC 8672 · Blue Grass, Virginia 50 Gated 32
Mill Town milltowncu.orgNCUA 68222 · Everett, WA 44 No 32
Remington remingtonfcu.comNCUA 2008 · Ilion, NY 44 Gated 30
GN Bank gnbank.netFDIC 29399 · Chicago, Illinois 46 No 13
Gratiot Community gratiotcu.orgNCUA 61986 · Alma, MI 64 No 32
Riverside Community riversidecommunityfcu.oNCUA 3775 · Marion, IN 33 Gated 1
American Lake americanlake.orgNCUA 68371 · Lakewood, WA 52 No 32
Nordstrom nordcu.orgNCUA 1788 · Everett, WA 54 No 32
Loudoun Credit Union loudouncu.comNCUA 66954 · Leesburg, VA 69 No 31
Vision Financial vffcu.orgNCUA 13492 · Durham, NC 58 No 2
Tlcu Financial tlcufinancial.orgNCUA 68286 · Mishawaka, IN 58 No 32
Kemba Louisville kembaky.orgNCUA 62358 · Louisville, KY 50 Gated 17
Summit summitfcu.comNCUA 7182 · Akron, OH 56 No 32
RT rtfcu.comNCUA 12624 · Rome, NY 49 No 32
Oswego Teachers Employees oswegoteacherscu.orgNCUA 14436 · Oswego, NY 62 Gated 1
Simplot simplotcu.comNCUA 63405 · Pocatello, ID 45 No 1
Southcoast southcoastcu.orgNCUA 22426 · New Bedford, MA 63 No 32
Brewery brewerycu.comNCUA 66637 · Milwaukee, WI 57 Gated 32
Horizon yourhcu.comNCUA 63844 · Macon, MO 48 Gated 32
Producer Bank of Texas producer.bankFDIC 18302 · Powell, Texas 51 No 23
Professional Police Officers ppocu.orgNCUA 82769 · Indianapolis, IN 55 No 1
Metco metcocu.orgNCUA 60013 · Cedar Rapids, IA 58 Gated 31
Pennstar pennstarfederal.comNCUA 13760 · Hermitage, PA 59 No 16
Blue Grass Federal Savings and Loan Association bluegrassfederal.bankFDIC 31090 · Paris, Kentucky 56 No 32
Bank of Clarks bankofclarks.netFDIC 16953 · Clarks, Nebraska 61 No 6
Ford County State Bank fordcountystatebank.comFDIC 12139 · Spearville, Kansas 51 Gated 30
Grant County Bank grantcobank.comblockedFDIC 15778 · Medford, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
Notre Dame Community ndcfcu.comNCUA 2792 · Fall River, MA 48 No 22
Generations Bank generations.bankFDIC 14096 · Exeter, Nebraska 37 Gated 26
MY mycutx.comNCUA 68545 · Haslet, TX 49 No 25
First State Bank fsbjunction.comblockedFDIC 16643 · Junction, Texas; not measured: HTTP 403 — No —
Baton Rouge City Parish Emp brcpefcu.orgNCUA 6339 · Baton Rouge, LA 60 No 27
Fargo Public Schools fpsfcu.comNCUA 47 · Fargo, ND 46 Gated 32
First Bank and Trust Company fbtok.comFDIC 15348 · Clinton, Oklahoma 39 No 24
First Financial Bank in Winnebago 1stbago.comFDIC 5278 · Winnebago, Minnesota 43 Gated 21
Healthnet healthnetfcu.orgNCUA 9994 · Cordova, TN 48 No 1
Access access-cu.comNCUA 97097 · Broadview, IL 51 No 31
Pinnacle Bank, Inc. pinnaclebank.coblockedFDIC 22355 · Pikeville, Kentucky; not measured: HTTP 403 — No —
Saratoga's Community saratogafcu.orgNCUA 5252 · Saratoga Spring, NY 54 No 32
Joplin Metro joplinmcu.comNCUA 64691 · Joplin, MO 51 Gated 32
Select selectfcu.orgNCUA 3064 · San Antonio, TX 57 No 31
The City State Bank citysb.comblockedFDIC 17607 · Fort Scott, Kansas; not measured: HTTP 403 — No —
The Farmers State Bank of Blue Mound fsbkansas.comFDIC 17629 · Blue Mound, Kansas 39 No 24
Sunrise Bank Dakota mysunrisebank.comFDIC 15847 · Onida, South Dakota 43 Gated 32
Share Advantage myshareadvantage.comNCUA 60242 · Duluth, MN 47 No 29
Crowell State Bank crowellstatebank.comFDIC 10352 · Crowell, Texas 40 No 21
Yonkers Teachers no website on recordNCUA 2819 · Yonkers, NY; no web address reported on the NCUA call report — No —
The First National Bank of Brownstown fnbbrownstown.comFDIC 3770 · Brownstown, Illinois 63 No 14
Pitney Bowes Employees pbefcu.netNCUA 1399 · Shelton, CT 57 No 1
The First National Bank in Cooper fnbcooper.comblockedFDIC 3149 · Cooper, Texas; not measured: HTTP 403 — No —
Ark Valley arkvalleycu.orgNCUA 62894 · Arkansas City, KS 33 Gated 1
Fortuna Bank fortunabank.comblockedFDIC 59330 · Grandview Heights, Ohio; not measured: HTTP 403 (Cloudflare) — No —
Farmers State Bank, Allen, Oklahoma fsballen.comFDIC 12758 · Allen, Oklahoma 64 No 1
HSBC Trust Company (Delaware), National Association hsbc.comFDIC 58188 · Wilmington, Delaware 76 No 32
Veritas veritasfcu.orgNCUA 21354 · Smyrna, TN 51 Gated 31
The Fairmount State Bank fairmountstatebank.comFDIC 1829 · Fairmount, Indiana 45 No 21
Northwest Hills nwhcu.comNCUA 65803 · Torrington, CT 51 No 31
Amistad Bank amistadbank.comFDIC 26658 · Del Rio, Texas 62 No 20
Mokelumne mokelumnefcu.comNCUA 13265 · Lodi, CA 43 Gated 32
Asian Pacific National Bank asianpacificbank.comblockedFDIC 33013 · San Gabriel, California; not measured: HTTP 403 — No —
Citizens State Bank of Milford thefarmbank.comFDIC 931 · Milford, Illinois 33 Gated 1
United Minnesota Bank umbnl.comFDIC 10567 · New London, Minnesota 44 No 1
Galesburg Burlington gbcu.netNCUA 65712 · Galesburg, IL 42 Gated 6
Financial Partners financialpartnersfcu.orgNCUA 16619 · Woodburn, IN 37 Gated 32
Fraternal Order of Police fopfcu.orgNCUA 24901 · Tulsa, OK 42 Gated 32
Arlington State Bank arlingtonstatebank.comFDIC 1391 · Arlington, Minnesota 31 Gated 1
Jack Daniel Employees jdecu.orgNCUA 67197 · Lynchburg, TN 67 No 14
Toledo Police tpolcu.comNCUA 3720 · Toledo, OH 48 Gated 20
Commercial Bank gotocb.netFDIC 12246 · Nelson, Nebraska 33 Gated 1
Greater Experience greatereastern.orgNCUA 67701 · Johnson City, TN 60 No 18
Kellogg Midwest kellogg-fcu.orgNCUA 5286 · Lavista, NE 56 No 32
Grove Bank grovebancorp.comFDIC 8857 · Grove City, Minnesota 52 Gated 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