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 6,301–6,400 of 8,519 · page 64 of 86

SiteScore GatedPages read Report
Huntington Beach huntingtonbeachcu.orgNCUA 60967 · Huntington Beac, CA 68 No 32
City Public Service/Ibew cpsibewfcu.orgNCUA 3710 · San Antonio, TX 66 No 32
Olympia olycu.orgNCUA 68331 · Olympia, WA 59 No 32
Central Wisconsin mycwcu.comNCUA 66513 · Plover, WI 65 No 32
Community First Bank, National Association com1stbank.comFDIC 6584 · Forest, Ohio 47 No 28
United Trades unitedtradesfcu.orgNCUA 10442 · Tualatin, OR 55 No 32
University of South Alabama usafedcu.comNCUA 13659 · Mobile, AL 45 Gated 1
Responders Emergency Services myrescu.orgNCUA 68305 · Spokane, WA 63 No 32
Educational and Governmental egefcu.comNCUA 2346 · Hartsdale, NY 40 Gated 32
Blue Mountain bmcu.comNCUA 68280 · College Place, WA 57 No 1
KUE kuefcu.comNCUA 22478 · Lexington, KY 48 No 32
Priority prioritycu.orgNCUA 67319 · Orlando, FL 57 No 32
Wyoming Valley Educational Empl wveefcu.comblockedNCUA 2657 · Wilkes Barre, PA; not measured: HTTP 403 — No —
Charlotte Fire Department cfdcu.orgNCUA 63566 · Charlotte, NC 63 No 32
Pittsburgh City Hall Employees pche-fcu.orgNCUA 1239 · Pittsburgh, PA 56 Gated 19
Forge forgecu.orgNCUA 9622 · Upper Darby, PA 57 Gated 32
First Savings and Loan Association firstsandl.netFDIC 30358 · Mebane, North Carolina 67 No 1
Brooklyn Cooperative brooklyn.coopNCUA 24642 · Brooklyn, NY 62 No 32
Liberty Bank libbk.comFDIC 28463 · Ironton, Ohio 48 No 1
Secured Advantage securedadvantagefcu.comNCUA 12877 · Simpsonville, SC 48 Gated 32
Hopewell Chemical hopechemfcu.orgNCUA 16605 · Hopewell, VA 48 No 1
Sidney Federal Savings and Loan Association sidneyfederal.comFDIC 29379 · Sidney, Nebraska 47 Gated 32
First Community Bank, Xenia-Flora fcbxeniaflora.comFDIC 3850 · Xenia, Illinois 47 Gated 1
The First Farmers National Bank of Waurika ffnbank.comFDIC 4222 · Waurika, Oklahoma 49 Gated 12
The First State Bank of Pond Creek, Oklahoma fsbpondcreek.comFDIC 11527 · Pond Creek, Oklahoma 58 No 1
Swedish-American State Bank mysasb.comFDIC 12865 · Courtland, Kansas 51 Gated 31
Everglades evergladesfcu.comNCUA 24204 · Clewiston, FL 51 Gated 24
Big Spring Education Employees bstcu.comNCUA 10577 · Big Spring, TX 66 No 14
Fedtrust fedtrustfcu.comNCUA 13233 · Memphis, TN 60 No 31
Lifetime lifetimefcu.orgNCUA 6012 · Richardson, TX 47 No 29
State National Bank snb.bankFDIC 3237 · Groom, Texas 61 No 32
Community National Bank in Monmouth cnbmonmouth.comFDIC 19230 · Monmouth, Illinois 53 No 32
The Security State Bank ssbwellington.comFDIC 12422 · Wellington, Kansas 52 Gated 19
Empower Blue empowerbluecu.orgNCUA 60295 · Topeka, KS 53 No 32
Rockland Employees refcu.orgNCUA 15080 · Spring Valley, NY 38 Gated 32
Dozier Bank dozierbank.comFDIC 2794 · Dozier, Alabama 55 No 1
L. A. Electrical Workers Credit Un. laewcu.comNCUA 60755 · Pasadena, CA 64 No 29
Lancaster Red Rose lrrcu.orgNCUA 60113 · Leola, PA 58 No 32
Baptist baptistcu.orgNCUA 68358 · San Antonio, TX 57 No 32
Post Office Employees' poecu.orgNCUA 63069 · Metairie, LA 53 No 32
The Pioneer Savings Bank psb1922.comFDIC 27847 · Cleveland, Ohio 54 No 18
Resource wwwresourcefcu.comNCUA 24575 · Jackson, TN 33 Gated 1
Heart O' Texas hotfcu.orgNCUA 11032 · Waco, TX 52 Gated 32
Van Cortlandt Cooperative vccfcu.comNCUA 1125 · Bronx, NY 48 No 1
Montezuma State Bank montestatebank.comFDIC 1860 · Montezuma, Iowa 53 No 1
Lakeside Bank of Salina lakesidebankofsalina.comFDIC 21255 · Salina, Oklahoma 33 Gated 1
Westminster wfcu.comNCUA 13842 · Westminster, CO 57 No 32
Ashton State Bank ashtonstatebank.comFDIC 11343 · Ashton, Iowa 56 No 21
United Northwest unwfcu.orgNCUA 6214 · Norton, KS 33 Gated 1
The Union Banking Company bankatubc.comFDIC 15326 · West Mansfield, Ohio 46 No 1
5 Star Community 5starcu.orgNCUA 64878 · Mount Pleasant, IA 59 No 19
Bank of Greeley bankofgreeley.comFDIC 17995 · Greeley, Kansas 44 Gated 2
Newport News Mun. Emp Credit Union nnmecu.orgNCUA 66970 · Newport News, VA 57 No 31
Electrical electricalfcu.orgNCUA 8701 · Arvada, CO 56 No 32
Walker County walkercountyfcu.comNCUA 12068 · Huntsville, TX 45 No 1
Total Choice totalchoicefcu.comNCUA 22369 · Hahnville, LA 63 No 32
The First National Bank of Moody fnbtx.bankblockedFDIC 3351 · Moody, Texas; not measured: HTTP 403 — No —
Wayne County Community wccfcu.comNCUA 17449 · Smithville, OH 50 Gated 31
Glatco glatcocu.comNCUA 63943 · Spring Grove, PA 61 No 2
Jacom jacomcu.orgNCUA 63589 · Los Angeles, CA 48 No 1
Tarboro Savings Bank, SSB tarborosavingsbank.comFDIC 29061 · Tarboro, North Carolina 55 No 8
Penn penncu.orgNCUA 20207 · Philadelphia, PA 55 Gated 29
Inland Valley inlandvalleyfcu.comNCUA 5684 · Fontana, CA 28 Gated 1
Elliott Community elliottfcu.comNCUA 390 · Jeannette, PA 45 No 1
Moonlight moonlightfcu.comNCUA 24978 · Worthington, PA 48 No 1
Ravenswood rfcu.netNCUA 13321 · Ravenswood, WV 48 No 20
Compass Savings Bank compassbank.usFDIC 29430 · Wilmerding, Pennsylvania 50 Gated 23
The Granger National Bank grangernationalbank.comFDIC 3232 · Granger, Texas 66 No 18
Qside qsidefcu.orgNCUA 3947 · Queens Village, NY 63 No 32
Whiting Refinery wrfcu.orgNCUA 198 · Whiting, IN 33 Gated 1
Vanderbilt vanderbiltcu.orgNCUA 68119 · Nashville, TN 58 Gated 30
Spirit of America spiritofamericafcu.orgNCUA 24724 · Lincoln, NE 62 No 21
Cutting Edge cuttingedgefcu.orgNCUA 8317 · Milwaukie, OR 45 No 32
Camp Grove State Bank campgrovestatebank.comFDIC 10471 · Camp Grove, Illinois 30 Gated 27
Tecumseh Federal Bank tecfedbank.comFDIC 30395 · Tecumseh, Nebraska 52 No 32
Altonized Community altonizedfcu.orgNCUA 3316 · Alton, IL 67 No 32
Yuma County ycfcu.comNCUA 6424 · Yuma, CO 60 No 1
Bryant State Bank bryantstatebank.comFDIC 6064 · Bryant, South Dakota 59 No 5
Instep instepmembers.comNCUA 24951 · New Orleans, LA 53 Gated 32
Bar-Cons barcons.orgNCUA 17040 · Columbus, IN 49 No 30
The Exchange State Bank exchangestatebank.netFDIC 16094 · Springville, Iowa 70 No 32
The First National Bank of Wakefield fnbwakefieldmi.comFDIC 5076 · Wakefield, Michigan 50 No 1
Vocal vocal.coopNCUA 68677 · Helena, MT 42 No 32
Citizens Bank of Morgantown, Inc. citizensbankwv.comFDIC 22954 · Morgantown, West Virginia 48 Gated 32
Sevenfold sevenfoldfcu.orgNCUA 1725 · West Monroe, LA 54 Gated 32
Truservice Community truservice.netNCUA 24390 · Little Rock, AR 61 No 32
Lovelady State Bank loveladystatebank.comblockedFDIC 21807 · Lovelady, Texas; not measured: HTTP 403 — No —
Central Jersey Police & Fire cjpolicefirefcu.orgNCUA 3202 · Hamilton, NJ 50 Gated 30
Consumers Cooperative ccfcuonline.comNCUA 6974 · Alliance, NE 48 Gated 31
Mercer County Nj Teachers mcnjtfcu.orgNCUA 1351 · Hamilton Square, NJ 50 Gated 32
Echelon Bank echelon.bankFDIC 59377 · Clearwater, Florida 59 No 30
Gr Consumers grccu.comNCUA 68332 · Wyoming, MI 54 Gated 32
Hastings hastingsfcu.orgNCUA 5291 · Hastings, NE 57 No 1
Farmers & Merchants Bank of Hutsonville no website on recordFDIC 10469 · Hutsonville, Illinois; no web address reported to the FDIC — No —
Riverside Community riversidecu.comNCUA 63791 · Kankakee, IL 48 No 32
Richton Bank & Trust Company richtonbank.comFDIC 11817 · Richton, Mississippi 38 Gated 16
Maroon Financial maroonfinancial.orgNCUA 62497 · Chicago, IL 58 No 31
Tuscaloosa V A tvacu.comNCUA 7532 · Tuscaloosa, AL 53 No 32
The Mer Rouge State Bank merrougebank.comFDIC 314 · Mer Rouge, Louisiana 46 No 24
U.p.s. Employees upscreditunion.orgNCUA 21532 · Ontario, 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