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 6,501–6,600 of 8,519 · page 66 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Firstenergy Family fefcu.comNCUA 61620 · Akron, OH | 52 | No | 27 | |
| Worcester Fire Dept. wfdcu.orgNCUA 67683 · Worcester, MA | 55 | No | 32 | |
| The First National Bank of McIntosh fnbmcintosh.comblockedFDIC 5196 · Mcintosh, Minnesota; not measured: HTTP 403 (CloudFront) | — | No | — | |
| State Bank of Lake Park statebankoflakepark.comFDIC 9351 · Lake Park, Minnesota | 36 | No | 23 | |
| The Trust Bank thetrustbank.netblockedFDIC 13832 · Lenox, Georgia; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Mountain Heritage mhfcu.netNCUA 12470 · Parkersburg, WV | 51 | No | 12 | |
| Hampton Roads Educ Credit Union Inc hrecu.orgNCUA 66913 · Hampton, VA | 57 | No | 32 | |
| Children's Medical Center cmcfcu.orgNCUA 20186 · Cincinnati, OH | 39 | Gated | 13 | |
| Employees employeesfed.comNCUA 9715 · Tulsa, OK | 48 | No | 1 | |
| First State Bank fsbhordville.comFDIC 8604 · Hordville, Nebraska | 44 | Gated | 32 | |
| Huntingtonized huntingtonized.comNCUA 3438 · Huntington, WV | 45 | No | 1 | |
| Grant County State Bank grantcountystatebank.comFDIC 9417 · Carson, North Dakota | 64 | No | 1 | |
| State Bank of Taunton statebankoftaunton.comFDIC 16906 · Taunton, Minnesota | 55 | Gated | 32 | |
| Marathon County Employees mcecu.orgNCUA 66466 · Wausau, WI | 53 | Gated | 22 | |
| Everyone's everyonesfcu.comNCUA 9370 · Tucumcari, NM | 62 | No | 19 | |
| Helco helcofcu.orgNCUA 2705 · Hilo, HI | 45 | No | 1 | |
| Mountain Star mountainstarfcu.orgNCUA 856 · El Paso, TX | 48 | Gated | 32 | |
| Nephi Western Employees nephicreditunion.comNCUA 6920 · Nephi, UT | 33 | Gated | 1 | |
| Kansas City kccu.netNCUA 63388 · Kansas City, MO | 69 | No | 1 | |
| Rochester & Monroe Co Emp rocmon.orgNCUA 817 · Rochester, NY | 48 | No | 1 | |
| H. E. Telephone hetelfcu.orgNCUA 17569 · Rochelle Park, NJ | 44 | Gated | 7 | |
| State Bank of Bellingham stbankbhm.comFDIC 17062 · Bellingham, Minnesota | 53 | No | 1 | |
| Carolina Cooperative carolinacu.comNCUA 24801 · Charlotte, NC | 28 | Gated | 1 | |
| Second Federal Savings and Loan Association of Philadelphia secondfed.comFDIC 29627 · Philadelphia, Pennsylvania | 66 | No | 10 | |
| Methodist Healthcare methodistcu.orgNCUA 13456 · Cordova, TN | 53 | Gated | 32 | |
| Willis Knighton wkfcu.orgNCUA 8921 · Shreveport, LA | 52 | No | 32 | |
| Capitol View capview.orgNCUA 62878 · Des Moines, IA | 45 | Gated | 32 | |
| University universityfederalcu.orgNCUA 1904 · Grand Forks, ND | 61 | No | 32 | |
| Table Grove State Bank tgsbank.comFDIC 16394 · Table Grove, Illinois | 48 | Gated | 23 | |
| Electrical Workers No 558 ew558fcu.comNCUA 12478 · Sheffield, AL | 43 | Gated | 7 | |
| Enfield Community enfieldcommunityfcu.orgblockedNCUA 1729 · Enfield, CT; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Bloomington Municipal bmcu.orgNCUA 63103 · Bloomington, IL | 46 | Gated | 14 | |
| Affinity One affinityonefcu.orgNCUA 5785 · Jamestown, NY | 70 | No | 31 | |
| Virginia Coop vccu.orgNCUA 63965 · Virginia, MN | 48 | No | 1 | |
| Fox Valley foxvalleycu.comNCUA 63286 · Aurora, IL | 61 | No | 1 | |
| Toledo Fire Fighters tfffcu.orgNCUA 3748 · Toledo, OH | 48 | No | 4 | |
| Vigo County vigocountyfcu.orgNCUA 138 · Terre Haute, IN | 63 | No | 2 | |
| North Districts ndcupa.orgNCUA 61636 · Gibsonia, PA | 57 | No | 21 | |
| All Saints allsaintsfcu.comNCUA 4845 · Parma, OH | 42 | Gated | 8 | |
| Hockley County hcsecu.orgNCUA 67516 · Levelland, TX | 50 | No | 1 | |
| Holy Rosary holyrosarycu.orgNCUA 64690 · Kansas City, MO | 51 | Gated | 32 | |
| Savannah Schools ssfcuonline.orgNCUA 9408 · Savannah, GA | 53 | No | 31 | |
| Marshall County State Bank mcsbnewfolden.comblockedFDIC 9752 · Newfolden, Minnesota; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Glass Cap glasscapfcu.comNCUA 13733 · Connellsville, PA | 55 | No | 17 | |
| Fire Fighters firefighterscu.orgNCUA 60696 · Tulsa, OK | 46 | Gated | 15 | |
| Baptist Health baptist-healthfcu.comNCUA 12813 · Little Rock, AR | 65 | No | 29 | |
| Police Credit Union of Connecticut pcuct.orgNCUA 6628 · Hartford, CT | 48 | No | 1 | |
| Sweet Home sweethomefcu.orgunreachableNCUA 11470 · Amherst, NY | — | No | — | |
| Home Savings Bank of Wapakoneta homesavings-wapak.comFDIC 30176 · Wapakoneta, Ohio | 53 | No | 1 | |
| Cabot Community cabotccu.comNCUA 67581 · Pampa, TX | 57 | No | 29 | |
| On the Grid Financial cuonthegrid.comNCUA 383 · Atlanta, GA | 66 | No | 32 | |
| 1st Bank in Hominy 1stbankhominy.comFDIC 4122 · Hominy, Oklahoma | 56 | No | 1 | |
| Boulevard blvdfcu.comNCUA 11640 · Amherst, NY | 60 | No | 32 | |
| Lakeshore lakeshorefcu.comNCUA 8709 · Muskegon, MI | 49 | Gated | 32 | |
| Miami miamifcu.orgNCUA 9287 · Miami, FL | 61 | No | 3 | |
| ITS Bank no website on recordFDIC 34619 · Johnston, Iowa; no web address reported to the FDIC | — | No | — | |
| Sound Banking Company soundbankingco.comFDIC 33183 · Lakewood, Washington | 60 | No | 4 | |
| Solutions First solutionsfirstcu.comNCUA 16556 · Enterprise, AL | 47 | No | 23 | |
| First Ohio Community firstohiocfcu.orgNCUA 2454 · North Canton, OH | 50 | Gated | 32 | |
| Oahe oahefcu.coopNCUA 10243 · Pierre, SD | 57 | No | 32 | |
| LES lesfcu.comNCUA 6584 · Baton Rouge, LA | 40 | Gated | 28 | |
| Vantage Point vantagepointfcu.orgNCUA 17630 · Hopewell, VA | 48 | Gated | 29 | |
| Gala Bank gala.bankFDIC 59358 · Ocala, Florida | 61 | No | 32 | |
| Ups Employees upscu.orgNCUA 67608 · Memphis, TN | 51 | No | 16 | |
| New Horizon newhorizonfcu.comNCUA 616 · Barberton, OH | 44 | No | 1 | |
| Business and Industrial busindcu.comblockedNCUA 13940 · Columbus, IN; not measured: HTTP 401 (Cloudflare) | — | No | — | |
| Dakota Star dakotastar.orgNCUA 8039 · Rapid City, SD | 43 | Gated | 32 | |
| Highland State Bank highlandstatebank.netFDIC 6198 · Highland, Wisconsin | 63 | Gated | 14 | |
| Cherokee County cherokeecountyfcu.comNCUA 13591 · Rusk, TX | 50 | No | 31 | |
| Wakota wakotafcu.orgNCUA 24579 · South St Paul, MN | 35 | Gated | 32 | |
| Kemba Charleston kembacharlestonfcu.orgNCUA 108 · Dunbar, WV | 46 | Gated | 28 | |
| California Adventist cafcu.netNCUA 24238 · Glendale, CA | 66 | No | 29 | |
| Portrait Bank portraitbank.comFDIC 59381 · Winter Park, Florida | 60 | No | 32 | |
| Saint Francis Employees sffcutulsa.orgNCUA 19593 · Tulsa, OK | 52 | Gated | 32 | |
| Lakeside lcu.coopNCUA 67713 · New Johnsonvill, TN | 61 | No | 18 | |
| Collegedale collegedale.orgNCUA 68167 · Collegedale, TN | 52 | No | 32 | |
| Ninnescah Valley Bank nvalleybank.comFDIC 4652 · Cunningham, Kansas | 64 | No | 11 | |
| Geismar Complex gcfcu.netNCUA 23620 · Geismar, LA | 43 | Gated | 32 | |
| Northern New Mexico School Employee nmsefcu.orgNCUA 4805 · Santa Fe, NM | 62 | No | 30 | |
| R-S Bellco rsbellcofcu.comNCUA 8540 · New Brighton, PA | 56 | No | 32 | |
| Cornerstone Community Bank ourccbank.comFDIC 59379 · Owensboro, Kentucky | 59 | No | 32 | |
| Access of Louisiana access.coopNCUA 10353 · Lake Charles, LA | 55 | No | 1 | |
| Eastern Indiana easterninfcu.comNCUA 7066 · New Castle, IN | 58 | No | 32 | |
| Welcome State Bank welcomestatebank.comFDIC 11417 · Welcome, Minnesota | 53 | No | 1 | |
| Carpenters mycarpenterscu.orgNCUA 24676 · Saint Paul, MN | 36 | Gated | 32 | |
| Washita State Bank washitastatebank.comFDIC 22430 · Burns Flat, Oklahoma | 62 | No | 32 | |
| Union State Bank no website on recordFDIC 15098 · Olsburg, Kansas; no web address reported to the FDIC | — | No | — | |
| Gulf Coast gulfcoastfcu.orgNCUA 7520 · Mobile, AL | 57 | Gated | 31 | |
| EDU edufcu.orgNCUA 8609 · New Castle, DE | 35 | Gated | 31 | |
| Manistique manistiquefederal.comNCUA 18067 · Manistique, MI | 57 | No | 7 | |
| Members memberscu.coopNCUA 68487 · Stamford, CT | 57 | Gated | 32 | |
| Ft Randall ftrandallfcu.comNCUA 7067 · Wagner, SD | 49 | Gated | 32 | |
| B.o.n.d. Community bondcu.comNCUA 20974 · Atlanta, GA | 48 | No | 1 | |
| McPherson Co-Op mcphersoncu.comNCUA 65371 · Mcpherson, KS | 53 | No | 32 | |
| Amherst amherstcu.orgNCUA 5439 · Amherst, NY | 33 | Gated | 1 | |
| Family Focus familyfocusfcu.orgNCUA 24771 · Omaha, NE | 43 | No | 30 | |
| Advantageplus of Indiana apifcu.comNCUA 8925 · Terre Haute, IN | 37 | No | 13 | |
| Harvest harvestfcu.orgNCUA 20302 · Heath, OH | 33 | Gated | 1 | |
| Solutions Plus Bank solutionsplusbank.comblockedFDIC 59362 · Albertville, Alabama; not measured: HTTP 403 | — | No | — | |
| Pueblo Government Agencies pgafcu.orgNCUA 1499 · Pueblo, CO | 44 | 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