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 6,901–7,000 of 8,519 · page 70 of 86

SiteScore GatedPages read Report
Patriot Equity pecujax.orgNCUA 60082 · Jackson, TN 48 Gated 20
Norwalk Hospital nohocu.orgNCUA 65954 · Norwalk, CT 41 Gated 22
Pepco pepcofcu.orgNCUA 367 · Washington, DC 52 No 20
Cit-Co citcofcu.comNCUA 9644 · Sheridan, WY 48 No 13
Brewster brewsterfcu.orgNCUA 11445 · Brewster, OH 63 No 27
Tangipahoa Parish Teachers tangiteachers.comNCUA 60475 · Amite, LA 28 Gated 1
Emerald Credit Union, Inc. emeraldgcu.comNCUA 97077 · Garfield Hts, OH 34 No 32
Carey Poverello poverellofcu.comNCUA 6636 · Carey, OH 52 No 24
Questa questacreditunion.orgNCUA 66252 · Questa, NM 45 No 1
Pagoda pagodafcu.orgNCUA 15532 · Reading, PA 45 No 1
The Infirmary theinfirmaryfcu.comNCUA 21794 · Mobile, AL 48 No 1
Greenwich Municipal Employees gmefcu.comNCUA 19203 · Greenwich, CT 57 No 31
Faith Connection faithfcu.comNCUA 13704 · Marietta, GA 54 No 24
Hanin haninfcu.orgNCUA 24549 · Los Angeles, CA 48 Gated 9
Baldwin County baldwincountyfcu.comNCUA 13329 · Bay Minette, AL 53 No 19
Los Alamos Schools lascu.orgNCUA 61165 · Los Alamos, NM 55 No 32
UP upfcu.orgNCUA 24422 · North Little Ro, AR 68 No 22
Martinsville First Savings Bank martinsvillefirst.bankFDIC 29685 · Martinsville, Virginia 53 Gated 32
Taupa Lithuanian taupaboston.comNCUA 23803 · South Boston, MA 53 Gated 29
Steel Strong Community steelstrongcfcu.orgNCUA 4828 · Elizabeth, PA 55 Gated 31
Metropolitan Bank and Trust Company no website on recordFDIC 33656 · New York, New York; no web address reported to the FDIC — No —
Cheyenne-Laramie County Employees clcefcu.orgNCUA 7307 · Cheyenne, WY 49 No 12
Capstone capstonefcu.coopNCUA 8611 · Aliso Viejo, CA 52 Gated 24
Jackson Savings Bank, SSB jacksonsavingsbank.comFDIC 31266 · Sylva, North Carolina 52 No 7
Alexandria Municipal Employees amecu.orgNCUA 62438 · Alexandria, LA 57 No 18
San Mateo City Employees smcfcu.orgNCUA 6326 · San Mateo, CA 33 Gated 1
Avanti avantifcu.netNCUA 8801 · Watertown, SD 54 No 32
Elektra no website on recordNCUA 4127 · New York, NY; no web address reported on the NCUA call report — No —
Camp Shelby campshelbycreditunion.usNCUA 18150 · Hattiesburg, MS 43 Gated 12
Maxwell State Bank maxwellstate.comFDIC 15930 · Maxwell, Iowa 28 Gated 1
GS&L Municipal Bank no website on recordFDIC 59312 · Gouverneur, New York; no web address reported to the FDIC — No —
First Progressive Bank no website on recordFDIC 22549 · Brewton, Alabama; no web address reported to the FDIC — No —
Trinity Valley Teachers tvtcu.comNCUA 67634 · Palestine, TX 56 Gated 32
Lake Country Community Bank lccbank.comFDIC 17122 · Morristown, Minnesota 53 No 1
Mills42 mills42fcu.comNCUA 12666 · Lowell, MA 34 Gated 1
Erie County Employees eriecountycreditunion.neNCUA 24990 · Buffalo, NY 33 Gated 1
Tennessee Military tmfcu.netNCUA 11152 · Louisville, TN 58 Gated 32
Lynchburg Municipal Employees wwwlmefcu.orgNCUA 14623 · Lynchburg, VA 33 Gated 1
Deer River Cooperative drccu.comNCUA 60388 · Deer River, MN 33 Gated 1
Gateway yourgcu.orgNCUA 63476 · Springfield, OR 27 Gated 32
Howard County School Em hcsefcu.orgNCUA 16065 · Kokomo, IN 51 Gated 8
K.u.m.c. kumccu.orgNCUA 62702 · Shawnee, KS 52 Gated 29
Meridian Mississippi Ang meridianangfcu.orgNCUA 15377 · Meridian, MS 58 Gated 14
Jackson County Co-Op myjcccu.comNCUA 97063 · Seymour, IN 43 Gated 23
Preston prestonfcu.comNCUA 23015 · Kingwood, WV 53 Gated 32
Kemba Delta kembadelta.orgNCUA 24220 · Bartlett, TN 63 No 1
Riverfork riverforkfcu.comNCUA 13067 · Grand Forks, ND 28 Gated 1
Mcu Financial Center mcucreditunion.comNCUA 66878 · Racine, WI 63 No 32
Pompano Beach City Emp. pbecu.comNCUA 67318 · Pompano Beach, FL 45 No 1
Tennessee Employees tnecu.orgNCUA 68101 · Nashville, TN 63 No 10
Bank of Cattaraugus bankofcattaraugus.comFDIC 9406 · Cattaraugus, New York 48 No 6
Vermont State Bank vermontstatebank.comFDIC 16585 · Vermont, Illinois 66 No 1
Neighborhood Community neighborhoodcfcu.orgNCUA 24396 · Omaha, NE 56 No 1
Generations Community Bank mygc.bankFDIC 59365 · Indianapolis, Indiana 59 No 32
Beauregard School Employees no website on recordNCUA 17861 · Deridder, LA; no web address reported on the NCUA call report — No —
The Hopeton State Bank hopetonbank.comFDIC 12585 · Hopeton, Oklahoma 60 No 11
Cincinnati Interagency cifcu.orgNCUA 7088 · Cincinnati, OH 57 Gated 32
Siue siuecu.orgNCUA 65046 · Edwardsville, IL 43 No 32
The First National Bank of Fleming fnbfleming.comFDIC 3018 · Fleming, Colorado 50 No 7
Port Conneaut portconnfcu.comNCUA 12351 · Conneaut, OH 47 Gated 26
Huntington C & O Railway Employees c-ocreditunion.comNCUA 24236 · Huntington, WV 47 Gated 8
Community Financial Services cfsfcu.comNCUA 6179 · Roselle, NJ 46 Gated 10
Cusa cusafcu.comNCUA 10640 · Covington, LA 36 Gated 1
DE Soto Mo Pac desotomopaccu.comNCUA 63507 · De Soto, MO 45 Gated 1
CS csnccreditunion.orgNCUA 66856 · Catawba, NC 35 Gated 29
District One Highway district1hwycu.orgNCUA 63420 · Saint Joseph, MO 33 Gated 1
Kenowa Community kenowacu.comNCUA 8119 · Wyoming, MI 49 No 18
River Community rivercommunitycu.orgNCUA 64986 · Ottumwa, IA 63 No 18
Gates Chili gateschilifcu.orgNCUA 16236 · Rochester, NY 67 No 32
Community & Teachers teacherscu.orgNCUA 24730 · East Providence, RI 48 No 1
Dewey Bank deweybank.comFDIC 10803 · Dewey, Illinois 33 Gated 1
Korean American Catholics kacfcu.orgNCUA 23503 · Flushing, NY 50 Gated 7
Blue Flame blueflamecu.orgNCUA 63519 · Charlotte, NC 62 Gated 32
Iowa Heartland iowaheartland.orgNCUA 60718 · Mason City, IA 54 Gated 32
Financial Health fhealthfcu.orgNCUA 20793 · Indianapolis, IN 61 No 32
Postal Family postalfamilyfcu.comNCUA 951 · Fargo, ND 61 No 20
Pinpoint pinpointfcu.orgNCUA 11242 · Milton, PA 65 No 32
Mile High milehighfcu.orgNCUA 1739 · Butte, MT 60 No 31
Emergency Responders emrspcu.comNCUA 66354 · Winston Salem, NC 54 Gated 32
Walton County Teachers waltoncountyteachersfcuNCUA 14186 · Defuniak Spring, FL 33 Gated 1
First State Bank of St. Peter fsbstpeter.comFDIC 11302 · Saint Peter, Illinois 53 No 1
Ferko MD ferkomfcu.comNCUA 10381 · Frederick, MD 61 Gated 1
Bakersfield City Employees bakcityefcu.orgNCUA 1339 · Bakersfield, CA 65 No 15
Texas Community texasfcu.orgNCUA 1879 · Kingsville, TX 61 No 15
ELCA elcafcu.orgNCUA 24866 · Chicago, IL 50 No 19
United Energy unitedenergycu.comNCUA 67493 · Humble, TX 69 No 32
Leominster Employees leomefcu.orgNCUA 1461 · Leominster, MA 53 No 30
Spark sparkcu.orgNCUA 11949 · Tacoma, WA 47 Gated 20
First Area firstareafcu.comNCUA 14346 · Lewistown, PA 45 No 1
Sun Pacific sunpacific.orgNCUA 5359 · Richmond, CA 44 Gated 20
Alcon Employees alconefcu.orgNCUA 20990 · Fort Worth, TX 47 No 2
Minnesota First Credit and Savings, Incorporated mnfirst.comblockedFDIC 26755 · Rochester, Minnesota; not measured: HTTP 403 — No —
I B E W 26 ibew26fcu.comNCUA 10323 · Lanham, MD 63 No 32
San Juan sanjuancu.comNCUA 67163 · Blanding, UT 33 Gated 32
Manville Area manville.orgNCUA 2168 · Manville, NJ 70 No 32
GHA ghafcu.orgNCUA 21774 · Greenwich, CT 50 No 32
Valwood Park valwoodpark.comNCUA 21788 · Carrollton, TX 33 Gated 30
River to River r2rcu.comNCUA 61152 · Vienna, IL 43 Gated 32
Ibew 317 ibew317fcu.comNCUA 14030 · Huntington, WV 57 No 16
Massachusetts Family massfamilycu.comNCUA 24924 · Lynn, MA 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