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 6,401–6,500 of 8,519 · page 65 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| North Towns northtownsfcu.comNCUA 9812 · Clarence, NY | 55 | Gated | 9 | |
| Metro Community metrocommunityfcu.comNCUA 8791 · Huntington, WV | 40 | No | 32 | |
| Talbot State Bank talbotstatebank.comblockedFDIC 178 · Woodland, Georgia; not measured: HTTP 403 | — | No | — | |
| Aeroquip aeroquipcu.comNCUA 61405 · Jackson, MI | 53 | Gated | 31 | |
| Firstenergy Choice fechoice.comNCUA 839 · Greensburg, PA | 49 | Gated | 32 | |
| Pipefitters-Steamfitters pipefitterscu.orgNCUA 63157 · Woodbury, MN | 55 | No | 21 | |
| Highway District 21 highwaydistrict21fcu.comNCUA 4148 · Mcallen, TX | 53 | No | 15 | |
| Wv National Guard wvngfcu.comNCUA 12938 · Charleston, WV | 45 | No | 1 | |
| Badger-Globe badgerglobecu.orgblockedNCUA 66750 · Neenah, WI; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Caprock Santa Fe csfcu.comNCUA 67441 · Slaton, TX | 59 | No | 8 | |
| Rolette State Bank rolettestatebank.comFDIC 9120 · Rolette, North Dakota | 50 | No | 15 | |
| Southeast Michigan State Employees smsefcu.comNCUA 7628 · West Bloomfield, MI | 46 | Gated | 30 | |
| Country Heritage countryheritagecu.comNCUA 62079 · Buchanan, MI | 38 | Gated | 1 | |
| Telco telcu.comNCUA 66319 · Tarboro, NC | 43 | Gated | 32 | |
| Money moneyfcu.orgNCUA 22566 · Syracuse, NY | 28 | Gated | 1 | |
| The Merchants & Planters Bank no website on recordFDIC 107 · Clarendon, Arkansas; no web address reported to the FDIC | — | No | — | |
| Tri-Cities tricu.orgNCUA 62508 · Grand Haven, MI | 63 | Gated | 15 | |
| FMB Bank fmb-bank.comFDIC 12225 · Wright City, Missouri | 48 | No | 1 | |
| Lubrizol Employees' lzecu.orgNCUA 60378 · Deer Park, TX | 49 | Gated | 32 | |
| Lamont Bank of St. John no website on recordFDIC 8681 · Saint John, Washington; no web address reported to the FDIC | — | No | — | |
| Trans Texas Southwest transtexas.coopNCUA 67835 · San Angelo, TX | 59 | No | 4 | |
| Brighton Bank bankbrighton.comFDIC 9189 · Brighton, Tennessee | 65 | No | 32 | |
| Champion Community caecu.orgNCUA 63614 · Courtland, AL | 40 | Gated | 6 | |
| First Choice firstchoicecreditunion.cNCUA 66545 · Marshfield, WI | 33 | Gated | 1 | |
| Brookline Municipal brooklinecu.comNCUA 67340 · Brookline, MA | 48 | No | 1 | |
| Metro Plus metropluscu.orgNCUA 63058 · Lexington, KY | 43 | No | 32 | |
| The State Exchange Bank stateexchange.netFDIC 17375 · Mankato, Kansas | 52 | Gated | 17 | |
| Finanta finantacreditunion.comNCUA 24928 · Lancaster, PA | 55 | No | 32 | |
| Rayne Building and Loan Association raynebuildingloan.comFDIC 30447 · Rayne, Louisiana | 47 | No | 32 | |
| Peoples Bank of Deer Lodge pbdl.netFDIC 26941 · Deer Lodge, Montana | 57 | No | 32 | |
| West Branch Valley wbvfcu.orgNCUA 7821 · Williamsport, PA | 45 | No | 32 | |
| Benton County State Bank bentoncountystatebank.comFDIC 13774 · Blairstown, Iowa | 52 | No | 28 | |
| North Memorial northmemorialfcu.comNCUA 16248 · Robbinsdale, MN | 39 | Gated | 32 | |
| Breco brecofcu.comNCUA 24526 · Baton Rouge, LA | 61 | No | 32 | |
| The Northern State Bank of Gonvick nsbgonvick.comblockedFDIC 10187 · Gonvick, Minnesota; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Healthshare healthsharecu.orgNCUA 66317 · Greensboro, NC | 67 | No | 31 | |
| Louisville Gas and Electric Company lgecu.orgNCUA 61123 · Louisville, KY | 61 | No | 32 | |
| Roswell Community roswellcu.orgNCUA 9093 · Roswell, NM | 44 | Gated | 32 | |
| Cowboy State Bank cowboystatebank.comblockedFDIC 8725 · Ranchester, Wyoming; not measured: HTTP 403 | — | No | — | |
| Goldmark goldmarkfcu.comNCUA 11400 · Attleboro, MA | 70 | No | 29 | |
| 3Hill 3hillcu.comNCUA 68297 · Blue Bell, PA | 45 | No | 1 | |
| Athens Area athensareacu.comNCUA 67243 · Athens, WI | 45 | Gated | 32 | |
| Holyoke Community hcfcu.orgNCUA 2818 · Holyoke, CO | 37 | Gated | 10 | |
| Bridgeton Onized bofcu.comNCUA 3476 · Cedarville, NJ | 48 | No | 1 | |
| Indiana Heartland indianaheartland.orgNCUA 24108 · Kokomo, IN | 49 | Gated | 30 | |
| The Donley County State Bank donleybank.comFDIC 11891 · Clarendon, Texas | 47 | Gated | 25 | |
| Bank of Brewton bankofbrewton.comFDIC 5605 · Brewton, Alabama | 57 | No | 1 | |
| Richland State Bank richlandstate.orgFDIC 1675 · Bruce, South Dakota | 58 | No | 32 | |
| Fresno Police Department fpdcu.orgNCUA 97096 · Fresno, CA | 46 | No | 22 | |
| Peoples State Bank of Colfax psbofcolfax.comFDIC 10075 · Colfax, Illinois | 50 | Gated | 2 | |
| Central Valley Firefighters cvfirecu.orgNCUA 68008 · Fresno, CA | 64 | Gated | 32 | |
| Earning Tree etreefcu.comblockedNCUA 12333 · Wilkes Barre, PA; not measured: HTTP 403 | — | No | — | |
| State Cs Employees statecs.orgNCUA 16207 · Watertown, NY | 48 | No | 1 | |
| Tonawanda Community toncomfcu.comNCUA 22464 · Buffalo, NY | 54 | No | 1 | |
| United Catholics unitedcatholicsfcu.orgNCUA 12029 · Covina, CA | 43 | Gated | 31 | |
| Ocala Community ocalacommunitycu.comNCUA 67938 · Ocala, FL | 52 | No | 27 | |
| Palo Savings Bank palosavingsbank.comFDIC 13990 · Palo, Iowa | 59 | Gated | 30 | |
| Marisol marisolcu.orgNCUA 9469 · Phoenix, AZ | 50 | Gated | 32 | |
| Buckley State Bank buckleystatebank.comFDIC 12121 · Buckley, Illinois | 52 | Gated | 5 | |
| Somerville Municipal sommfcu.comblockedNCUA 4524 · Somerville, MA; not measured: HTTP 403 | — | No | — | |
| District of Columbia Teachers dctfcu.orgNCUA 1821 · Washington, DC | 54 | Gated | 32 | |
| Local 697 697fcu.orgNCUA 12745 · Merrillville, IN | 56 | No | 1 | |
| First Choice Community firstchoiceccu.orgNCUA 67185 · Knoxville, TN | 57 | No | 2 | |
| Dubois-Pike duboispike.orgNCUA 20805 · Jasper, IN | 62 | No | 32 | |
| The First State Bank of Ransom fsbransom.comFDIC 15469 · Ransom, Kansas | 54 | Gated | 23 | |
| Census censusfcu.comNCUA 5641 · Suitland, MD | 60 | No | 32 | |
| Jackson County 1St jacksoncountytcu.comNCUA 67334 · Marianna, FL | 48 | No | 1 | |
| Star Financial starcu.orgNCUA 68300 · Corpus Christi, TX | 43 | Gated | 32 | |
| Prr South Fork prrsouthfork.comNCUA 909 · South Fork, PA | 49 | Gated | 12 | |
| Security State Bank of Oklee ssboklee.comblockedFDIC 10982 · Oklee, Minnesota; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Western Indiana Credit Union westernindianacu.comNCUA 82789 · Sullivan, IN | 69 | No | 1 | |
| Painesville Credit Union painesvillecu.orgNCUA 63679 · Painesville, OH | 44 | No | 1 | |
| Bank of Prague bankofprague1.comblockedFDIC 12745 · Prague, Nebraska; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Southern Middlesex Co Tchrs myfavoritecu.comNCUA 3126 · East Brunswick, NJ | 49 | Gated | 32 | |
| United Bank of Philadelphia ubphila.comFDIC 33568 · Philadelphia, Pennsylvania | 51 | Gated | 31 | |
| Houston Highway houstonhighwaycu.comNCUA 67627 · Houston, TX | 53 | No | 32 | |
| Afl Cio Employees aflcioefcu.orgNCUA 7992 · Washington, DC | 65 | No | 32 | |
| Desertview dview.orgNCUA 13790 · Huntington, UT | 31 | Gated | 1 | |
| Skyline Financial skylinefinancialfcu.comNCUA 452 · Waterbury, CT | 46 | No | 32 | |
| Southeastern Arizona seafcu.comNCUA 9897 · Douglas, AZ | 57 | No | 1 | |
| Suny Fredonia sunyfredoniafcu.comNCUA 21851 · Fredonia, NY | 51 | Gated | 32 | |
| Bay Shore bayshorecu.orgNCUA 66549 · Marinette, WI | 61 | No | 32 | |
| Dow Great Western dowcu.orgNCUA 64503 · Antioch, CA | 32 | Gated | 28 | |
| Silverado silveradocu.comNCUA 68491 · Angwin, CA | 59 | No | 32 | |
| Lufkin lufkinfcu.comNCUA 16351 · Lufkin, TX | 58 | No | 32 | |
| Umatilla County umatillacfcu.comNCUA 23986 · Pendleton, OR | 57 | No | 1 | |
| Vantage Trust vantagetrustfcu.orgNCUA 5867 · Wilkes Barre, PA | 52 | No | 32 | |
| Dixies dixiefed.comNCUA 5569 · Darlington, SC | 33 | Gated | 1 | |
| Genesee Co-Op genesee.coopNCUA 23848 · Rochester, NY | 57 | No | 16 | |
| Waialua waialuafcu.comNCUA 2049 · Waialua, HI | 46 | No | 24 | |
| Starr County Teachers starrfcu.comNCUA 18559 · Rio Grande City, TX | 51 | Gated | 32 | |
| Farmers and Merchants State Bank of Alpha famstatebankofalpha.comFDIC 10571 · Alpha, Minnesota | 53 | No | 1 | |
| Iron County Community ironcccu.comNCUA 66503 · Hurley, WI | 59 | No | 2 | |
| Farmers State Bank farmersstatebankwa.comFDIC 6156 · Winthrop, Washington | 58 | No | 12 | |
| Stewart's stewartscu.comNCUA 24036 · Saratoga Spring, NY | 63 | No | 32 | |
| Bessemer System bessfcu.comNCUA 4982 · Greenville, PA | 64 | No | 1 | |
| Element elementfcu.orgNCUA 23162 · Charleston, WV | 44 | No | 32 | |
| St. Tammany sttammanyfederalcu.orgNCUA 11942 · Slidell, LA | 62 | No | 32 | |
| Syracuse Cooperative cooperativefederal.orgNCUA 23865 · Syracuse, NY | 50 | No | 32 | |
| Azalea City azaleacitycu.comNCUA 68224 · Mobile, AL | 33 | 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