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 6,601–6,700 of 8,519 · page 67 of 86

SiteScore GatedPages read Report
Auto-Owners Associates aoacu.comNCUA 62543 · Lansing, MI 37 Gated 20
Wyrope Williamsport wyrope.orgNCUA 11689 · S Williamsport, PA 49 No 29
Show-Me showmecu.orgNCUA 62960 · Mexico, MO 71 No 32
Origins energypluscu.orgNCUA 65458 · Indianapolis, IN 40 No 1
County - City countycitycreditunion.coNCUA 66456 · Jefferson, WI 33 Gated 1
Carrollton Federal Bank carrolltonfederal.comFDIC 29774 · Carrollton, Kentucky 65 No 32
Sioux Valley Community siouxvalleyccu.comNCUA 64417 · Sioux City, IA 55 No 26
West Metro Schools wmscu.orgNCUA 62726 · Hopkins, MN 64 No 1
N Y Team nyteamfcu.orgblockedNCUA 19216 · Ronkonkoma, NY; not measured: HTTP 403 — No —
Mississippi National Guard msng.orgNCUA 14805 · Jackson, MS 58 No 28
York Educational yefcu.orgNCUA 19429 · York, PA 72 No 32
Solutions solutionscu.orgNCUA 7846 · Elmira, NY 52 No 32
North Platte Union Pacific Employee upemployeescu.comNCUA 65528 · North Platte, NE 54 No 29
Hope hopefcu.comNCUA 220 · Bridgeport, WV 41 Gated 26
Tri-County tri-county.orgNCUA 66640 · Marinette, WI 37 Gated 32
Epb Employees epbecu.orgNCUA 60619 · Chattanooga, TN 50 Gated 25
Kindred State Bank kindredstatebank.comFDIC 8946 · Kindred, North Dakota 41 No 32
WEA weacu.comNCUA 66677 · Madison, WI 56 No 32
Advantage advantage4.orgNCUA 61383 · Mansfield, OH 58 No 32
Community 1St c1stfcu.comNCUA 8588 · Miles City, MT 57 No 32
Spencerport spnfcu.orgNCUA 14884 · Spencerport, NY 38 No 1
Northern Kentucky nkfcu.orgNCUA 21339 · Highland Height, KY 47 Gated 32
705 705fcu.comNCUA 18749 · Lafayette, LA 48 Gated 32
Community Bank of Easton ibankeaston.comFDIC 18568 · Easton, Illinois 52 No 7
Black Mountain Savings Bank, SSB no website on recordFDIC 27897 · Black Mountain, North Carolina; no web address reported to the FDIC — No —
Omaha Douglas omahadouglasfcu.orgNCUA 6208 · Omaha, NE 50 Gated 32
H E A heafcu.orgNCUA 14670 · Warner Robins, GA 49 Gated 3
Robert Lee State Bank robertleestatebank.comFDIC 15442 · Robert Lee, Texas 53 No 15
Northern Lights northernlightscu.comNCUA 24878 · Saint Johnsbury, VT 58 Gated 32
Farmers State Bank fsbphillipsburg.comFDIC 14344 · Phillipsburg, Kansas 47 No 1
Peoples Community Bank SB of Monticello, Indiana peoplesmonticello.comFDIC 30065 · Monticello, Indiana 46 No 11
Travis County tccu.netNCUA 67604 · Austin, TX 56 No 25
BCM bcmfcu.comNCUA 12892 · Houston, TX 45 No 1
Defiance State Bank defiancestatebank.comFDIC 17450 · Defiance, Iowa 50 No 12
B&V bvcreditunion.comNCUA 63598 · Overland Park, KS 51 Gated 13
Golden Rule Community goldenrulecu.orgNCUA 67096 · Ripon, WI 58 No 32
Bison bisonfcu.comNCUA 7149 · Shawnee, OK 64 No 26
City-County Employees ccecu.orgNCUA 67323 · Clearwater, FL 58 No 1
Italo-American italoamericanfcu.comNCUA 110 · Glendale, NY 36 Gated 11
Parks Heritage parksheritagefcu.orgNCUA 16933 · Glens Falls, NY 52 No 32
Country Trust Bank countryfinancial.comblockedFDIC 35602 · Bloomington, Illinois; not measured: HTTP 403 — No —
Streator Community streatorccu.orgNCUA 62939 · Streator, IL 52 No 12
Haynes Community haynesfcu.orgNCUA 5773 · Kokomo, IN 64 No 32
Valley One Community valleyonecfcu.comNCUA 16756 · Steubenville, OH 45 Gated 6
Cleveland Police clevepolicecu.comNCUA 62588 · Cleveland, OH 64 No 31
Credit Union of Emporia cuofe.orgNCUA 63319 · Emporia, KS 57 No 30
Port City portcityfcu.comNCUA 5116 · Muskegon, MI 33 Gated 1
Cornerstone Bank cornerstonebankia.comFDIC 30067 · Clarinda, Iowa 33 Gated 1
River Region riverregionfcu.orgNCUA 13763 · Lutcher, LA 57 No 32
Guadalupe Parish guadalupeparishcu.orgNCUA 65471 · Antonito, CO 54 No 2
The Bank of San Jacinto County, Coldspring, Texas banksjc.comFDIC 18942 · Coldspring, Texas 47 Gated 26
East River eastriverfcu.comNCUA 11353 · Madison, SD 54 No 32
Citizens Federal Savings and Loan Association citizens-federal.comFDIC 27841 · Covington, Kentucky 33 Gated 1
North Side Federal Savings and Loan Association of Chicago northsidefederal.comFDIC 29449 · Chicago, Illinois 48 No 1
Methuen methuencreditunion.comNCUA 10954 · Methuen, MA 29 Gated 1
Northern Indiana nifedcu.orgNCUA 168 · Merrillville, IN 59 No 31
Ventura National Bank & Trust vnbt.bankFDIC 4683 · Harveyville, Kansas 57 No 32
Champion Bank thechampionbank.comFDIC 57031 · Parker, Colorado 64 No 32
Chiropractic chirofcu.orgNCUA 6871 · Farmington, MI 63 No 30
Health Care Professionals hcpfcu.orgNCUA 22213 · Richmond, IN 51 Gated 32
Old Ocean oofcu.orgNCUA 6175 · Sweeny, TX 62 No 32
Fort Dodge Family fdfcu.comNCUA 63159 · Fort Dodge, IA 51 No 30
Toro Employees torofcu.orgNCUA 21644 · Bloomington, MN 30 Gated 32
Community State Bank csbpaton.comFDIC 17551 · Paton, Iowa 59 No 30
Northwest Municipal mynmfcu.comNCUA 17752 · Des Plaines, IL 51 Gated 20
First Federal Savings and Loan Association firstfederalmorehead.comFDIC 31409 · Morehead, Kentucky 51 Gated 31
The Farmers State Bank of Turton fsbturtonsd.comFDIC 6084 · Turton, South Dakota 49 Gated 32
The Brookville Building and Savings Association brookvillesavings.comFDIC 28663 · Brookville, Ohio 51 Gated 30
Campus campuscu.orgNCUA 60731 · Wichita, KS 46 Gated 32
Valex valexfcu.orgNCUA 6116 · Alexandria, LA 60 No 31
M.p.d. Community mpdcu.orgNCUA 67979 · Nashville, TN 48 No 1
Catholic Family cffcu.comNCUA 5510 · Wichita, KS 48 No 1
Shelter Insurance shelterfcu.comblockedNCUA 23355 · Columbia, MO; not measured: HTTP 403 (Cloudflare) — No —
Fairview State Banking Company fairviewstate.comFDIC 11731 · Fairview, Illinois 45 No 1
M O m-ofcu.comNCUA 7020 · Huron, SD 64 No 31
Pee Dee pdfcu.orgNCUA 22530 · Florence, SC 54 No 28
Visionary visionaryfcu.orgNCUA 14018 · Bridgeville, PA 53 Gated 32
Mesquite mesquitecu.orgNCUA 67436 · Mesquite, TX 73 No 32
New Directions Community newdirectionsccu.comNCUA 65356 · Franklin, PA 53 Gated 32
Sioux Valley Coop svcfcu.comNCUA 8752 · Watertown, SD 48 No 1
Wiremen's wiremenscu.comNCUA 96808 · Parma, OH 48 No 32
State Bank of Schaller statebankofschaller.comFDIC 13931 · Schaller, Iowa 51 No 32
Westchester Schools' portchesterteachersfcu.NCUA 9532 · Rye Brook, NY 33 Gated 1
San Angelo safcu.comNCUA 3080 · San Angelo, TX 56 No 32
Home Federal Savings and Loan Association homefedbamberg.comFDIC 31774 · Bamberg, South Carolina 54 No 12
Caprock caprockcu.comNCUA 16813 · Lamesa, TX 47 No 32
Connection connectioncu.orgNCUA 68254 · Silverdale, WA 33 Gated 1
Public Service psfcunj.comNCUA 11779 · Middlesex, NJ 53 Gated 7
Jax Fire jaxfirecu.orgNCUA 67717 · Jacksonville, FL 44 Gated 32
Utica District Telephone Employees utelfcu.netNCUA 11157 · Utica, NY 49 Gated 31
Mead Coated Board no website on recordNCUA 18192 · Eufaula, AL; no web address reported on the NCUA call report — No —
Corn Growers State Bank corngrowersbank.comFDIC 16868 · Murdock, Nebraska 51 Gated 28
Keystone keystonecu.comNCUA 67869 · Tyler, TX 52 Gated 25
Red Oak redoakcu.comNCUA 63940 · Tuscaloosa, AL 50 No 32
Patent and Trademark Office ptofcu.orgNCUA 4936 · Alexandria, VA 46 Gated 32
Affiliated Trades affiliatedtradescu.orgNCUA 61808 · Collegeville, PA 45 No 1
Chaves County School Employees ccsecunm.orgNCUA 66143 · Roswell, NM 57 No 11
Niagara Regional niagararegionalfcu.orgNCUA 3285 · North Tonawanda, NY 65 No 32
Diablo Valley diablovalleyfcu.orgNCUA 14409 · Concord, CA 47 Gated 32
Manchester Municipal mmfcu.netNCUA 13602 · Manchester, CT 57 Gated 30

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