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 6,701–6,800 of 8,519 · page 68 of 86

SiteScore GatedPages read Report
First State Bank of Van Orin vanorinbank.comFDIC 10809 · Van Orin, Illinois 67 No 1
Hotel and Travel Industry htifcu.comNCUA 9115 · Honolulu, HI 64 No 32
Erie Community eriecommunityfcu.orgNCUA 12616 · Sandusky, OH 49 Gated 32
Credit Union One of Oklahoma cuoneok.orgNCUA 64850 · Oklahoma City, OK 45 No 32
Planites planites.orgNCUA 61643 · Chicago, IL 53 Gated 28
Lu 354 I B E W ibewfcu.orgNCUA 9398 · Salt Lake City, UT 53 No 18
Credit First National Association no website on recordFDIC 33855 · Brook Park, Ohio; no web address reported to the FDIC — No —
Golden Valley goldenvalleyfcu.orgNCUA 11652 · Manteca, CA 37 Gated 22
BVA bvafcu.comNCUA 16063 · Belle Vernon, PA 32 Gated 32
Grand Trunk Battle Creek Emp grandtrunkcu.comNCUA 5170 · Battle Creek, MI 57 Gated 32
Bank of Mead bankofmead.comFDIC 13611 · Mead, Nebraska 61 No 20
Avana Bank avana.bankFDIC 10704 · Abilene, Texas 56 No 20
N.j.t. Employees no website on recordNCUA 9723 · Waldwick, NJ; no web address reported on the NCUA call report — No —
Whitesville Community whitesvillecommunitycu.cNCUA 62432 · Whitesville, KY 33 Gated 1
Media City mediacitycu.orgNCUA 68549 · Burbank, CA 59 No 32
Hopesouth hopesouth.orgNCUA 20824 · Abbeville, SC 33 Gated 1
A & S asfederal.orgNCUA 3741 · Aliquippa, PA 47 Gated 32
Kingstree Federal Savings and Loan Association kingstreefederal.comFDIC 29486 · Kingstree, South Carolina 64 No 31
Longshoremen's Local 4 lshore4cu.comNCUA 10799 · Vancouver, WA 64 No 8
Nashville Firemen's nashvillefirecu.orgNCUA 60483 · Nashville, TN 48 No 1
Twin Rivers twinriversfcu.orgNCUA 20290 · Massena, NY 50 Gated 7
Bucks County Employees no website on recordNCUA 65411 · Doylestown, PA; no web address reported on the NCUA call report — No —
Organized Labor organizedlaborcu.orgNCUA 61942 · Modesto, CA 46 No 10
Blackhawk Area bacu.orgNCUA 95042 · Savanna, IL 50 No 30
600 Atlantic 600atlanticfcu.orgNCUA 5256 · Boston, MA 49 Gated 14
Knoxville Law Enforcement klefcu.comNCUA 11533 · Knoxville, TN 41 No 31
Midwest Family mwffcu.orgNCUA 15007 · Portage, IN 49 Gated 30
Ripple ripplecu.orgNCUA 66683 · Oshkosh, WI 48 No 1
Materion materionfcu.comNCUA 20063 · Elmore, OH 23 Gated 29
Members Choice mccugreenville.orgNCUA 96711 · Greenville, OH 44 Gated 26
Norwin Teachers norwinteachersfcu.orgNCUA 7842 · North Huntingdo, PA 58 No 32
Lamoure lamourecu.comNCUA 62218 · Lamoure, ND 50 Gated 23
First Nrv firstnrvcreditunion.comNCUA 2263 · Radford, VA 48 No 1
Lutheran lutheranfcu.orgNCUA 24861 · Saint Louis, MO 63 No 32
Members Financial membersffcu.orgNCUA 4020 · Midland, TX 49 Gated 29
Minnesota Catholic mncathcu.comNCUA 63977 · Little Canada, MN 57 Gated 32
National J. A. C. L. jaclcu.comNCUA 67005 · Salt Lake City, UT 52 No 32
Gogebic County gogebicfcu.comNCUA 7644 · Bessemer, MI 65 No 1
Houston Bank & Trust houstonbanktx.comFDIC 59360 · Houston, Texas 58 No 32
City of Firsts Community coffcu.orgNCUA 3012 · Kokomo, IN 34 Gated 32
Detour Drummond Community ddccu.comNCUA 62344 · Drummond Island, MI 41 Gated 27
Peoples State Bank, Fairmount, N. D. peoples-state.comFDIC 17174 · Fairmount, North Dakota 52 Gated 23
Maui Teachers mauiteachersfcu.comNCUA 1817 · Wailuku, HI 59 No 16
2unifi Bank bankofjacksonholetrust.comFDIC 23826 · Jackson, Wyoming 73 No 1
Lauderdale County Teachers lctcu.orgNCUA 61944 · Florence, AL 41 No 31
Theory theoryfcu.orgNCUA 24545 · Painesville, OH 45 No 1
Austin austinfcu.comNCUA 17955 · Austin, TX 53 No 32
St. Anthony of Padua stanthonyofpaduafcu.comNCUA 8616 · Fall River, MA 60 No 22
Tucumcari Federal Savings and Loan Association tucfed.comFDIC 29059 · Tucumcari, New Mexico 56 Gated 27
Home homefcu.orgNCUA 6674 · Clarksburg, WV 53 Gated 10
Pahranagat Valley pvfcu.netNCUA 12686 · Alamo, NV 56 No 18
Molokai Community molokaicommunityfcu.comNCUA 7471 · Kaunakakai, HI 59 No 13
St. Thomas stthomascu.orgNCUA 68071 · Nashville, TN 41 No 1
McDowell Cornerstone mcdowellcornerstone.comNCUA 60149 · Marion, NC 44 No 1
Befit Financial bffcu.orgNCUA 11943 · Vacaville, CA 71 No 31
Graco gracofcu.orgNCUA 15304 · Alma, MI 48 Gated 7
Lanai lanaifcu.orgNCUA 2953 · Lanai City, HI 62 No 29
Town of Cheektowaga townofcheektowagafcu.comNCUA 23717 · Cheektowaga, NY 54 Gated 32
Cottonwood Valley Bank cottonwoodvalleybank.comFDIC 17160 · Cedar Point, Kansas 53 No 1
Patterson pfcuonline.orgNCUA 11902 · Arkadelphia, AR 55 Gated 29
Aspire aspirecu.orgNCUA 67489 · Lufkin, TX 39 No 32
Port Arthur Teachers patfcu.orgNCUA 8413 · Port Arthur, TX 55 Gated 16
Golden Triangle gtfcu.coopNCUA 8298 · Groves, TX 62 No 20
Lakehurst Naval lnfcu.netNCUA 7958 · Joint Base Mdl, NJ 42 Gated 15
The First National Bank at St. James fnbstjames.comblockedFDIC 14853 · Saint James, Minnesota; not measured: HTTP 403 — No —
Hi-Land hilandcu.comNCUA 61453 · Salt Lake City, UT 45 No 1
GSA gsafcu.gsa.govNCUA 2299 · Washington, DC 28 Gated 1
Settlers settlersfcu.comNCUA 24793 · Bruce Crossing, MI 46 Gated 32
Farmers State Bank of Emden no website on recordFDIC 10077 · Emden, Illinois; no web address reported to the FDIC — No —
State Bank of Nauvoo statebankofnauvoo.comFDIC 13582 · Nauvoo, Illinois 28 Gated 1
Morgantown a E S aesfcu.comNCUA 10695 · Morgantown, WV 45 No 31
Lawrence Memorial Hospital Employee lmhospcu.comNCUA 13305 · New London, CT 46 Gated 32
Chivaho chivaho.comNCUA 5741 · Chillicothe, OH 57 No 1
Butte Community buttecommunityfcu.comNCUA 19896 · Butte, MT 59 No 16
Teachers tcubeloit.orgNCUA 66877 · Beloit, WI 60 No 30
Softite Community softitecfcu.comNCUA 19433 · Martins Ferry, OH 45 No 1
Brightview brightviewcu.comNCUA 6527 · Ridgeland, MS 37 Gated 32
Badlands badlandsfcu.orgNCUA 4227 · Glendive, MT 48 Gated 10
Garden State gardenstatefcu.orgNCUA 14015 · Moorestown, NJ 40 Gated 32
Hoosier United hoosierunitedcu.comNCUA 67648 · Indianapolis, IN 51 Gated 32
Central Susquehanna Community cscfederal.orgNCUA 14180 · Danville, PA 33 Gated 1
Social Security ssacu.comNCUA 61391 · Birmingham, AL 28 Gated 1
Franklin Johnstown franklinjohnstown.comNCUA 6723 · Johnstown, PA 49 Gated 32
Hometown hometownfcu.orgNCUA 1621 · Peru, IN 45 No 31
Louisville Federal louisvillefcu.comNCUA 62433 · Louisville, KY 52 No 32
Hawaiian Electric Employees hecoefcu.orgNCUA 1869 · Honolulu, HI 62 No 21
Western National Bank wbcasslake.comFDIC 5110 · Cass Lake, Minnesota 71 No 32
State Bank of Jeffers statebankofjeffers.comFDIC 10200 · Jeffers, Minnesota 54 No 1
Pee Dee Federal Savings Bank no website on recordFDIC 29582 · Marion, South Carolina; no web address reported to the FDIC — No —
Sherwin Williams Emp. swcu.orgNCUA 61368 · South Holland, IL 60 No 32
Happy Valley hvcu-tn.comblockedNCUA 68097 · Elizabethton, TN; not measured: HTTP 403 — No —
Farmers State Bank of Hoffman fsbhoffman.netFDIC 9354 · Hoffman, Minnesota 62 No 10
The Andovers andoverfcu.comNCUA 16067 · Andover, MA 48 No 1
UNO unofcu.orgNCUA 20842 · New Orleans, LA 69 No 32
Nebraska State Employees nsecu.orgNCUA 65816 · Lincoln, NE 41 No 29
Vasco vascofcu.comNCUA 18301 · Latrobe, PA 50 Gated 9
Farmers State Bank fsblv.comFDIC 9295 · Lake View, Iowa 66 No 24
Knoxville Firefighters knoxfirefcu.comNCUA 9873 · Knoxville, TN 48 No 1
Nebraska State Bank no website on recordFDIC 13696 · Bristow, Nebraska; no web address reported to the FDIC — No —
FOX foxcredit.orgNCUA 16954 · Los Angeles, CA 71 No 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