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 7,001–7,100 of 8,519 · page 71 of 86

SiteScore GatedPages read Report
United unitedcu.coopNCUA 67587 · Tyler, TX 57 Gated 31
HTM htmcreditunion.comNCUA 67749 · Haverhill, MA 67 No 32
Texas Associations of Professionals tapfcu.coopNCUA 23184 · San Antonio, TX 44 Gated 11
Alloy alloyfcu.comNCUA 20324 · Alloy, WV 38 Gated 25
Bridgeport Police mybpfcu.orgNCUA 9582 · Bridgeport, CT 42 Gated 32
Highway Alliance hacu4u.comNCUA 67700 · Jefferson City, MO 56 No 1
Canandaigua canandaiguafcu.comNCUA 16176 · Canandaigua, NY 33 Gated 29
U. S. I. usifcu.comNCUA 13132 · Deer Park, TX 48 Gated 10
Malden maldenfcu.comNCUA 4472 · Malden, MA 59 Gated 31
St. Martin National Bank stmartinnationalbank.comFDIC 18937 · Saint Martin, Minnesota 42 Gated 15
Kaskaskia Valley Community mykvccu.orgNCUA 65988 · Centralia, IL 42 Gated 32
Rushmore Electric refcu.coopNCUA 16444 · Rapid City, SD 62 No 13
Government Printing Office gpofcu.orgNCUA 538 · Washington, DC 52 Gated 32
First National Bank in Tigerton bank1stnational.comFDIC 14400 · Tigerton, Wisconsin 55 No 13
Mississippi Public Employees mspecu.orgNCUA 24976 · Jackson, MS 47 Gated 21
Southern Teachers & Parents stpfcu.comNCUA 2068 · Baton Rouge, LA 50 No 21
Paac Transit Division paacfcu.comNCUA 3810 · Pittsburgh, PA 50 Gated 24
Casebine Community casebine.comNCUA 64868 · Burlington, IA 43 Gated 32
SLO slocu.comNCUA 61779 · San Luis Obispo, CA 72 No 32
Artesian artesianfcu.orgNCUA 6859 · Leesburg, GA 65 No 32
Nspire nspirefcu.comNCUA 11721 · Sinton, TX 45 No 1
WEE weefederal.orgNCUA 14257 · Parkersburg, WV 51 Gated 1
Citizens Bank of Edinburg edinburgbank.netFDIC 20454 · Edinburg, Illinois 57 No 10
Butler County Teachers bctfcu.netNCUA 3085 · Butler, PA 43 Gated 29
ECM ecmfcu.comNCUA 24883 · Ridgeland, MS 59 No 10
Bank of Vici bankofvici.comblockedFDIC 420 · Vici, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
The First National Bank of Frederick fnbfredericksd.comFDIC 3985 · Frederick, South Dakota 51 Gated 25
Emerald Empire youreecu.orgNCUA 9877 · Springfield, OR 57 Gated 32
Tri-Lakes trilakesfcu.comNCUA 23198 · Saranac Lake, NY 61 No 32
Gulf Shore gulfshorefcu.orgNCUA 2442 · Texas City, TX 27 Gated 1
Engage engagefcu.orgNCUA 22005 · Natchitoches, LA 45 Gated 23
Labor Management lmfcu.netNCUA 21853 · Lewisport, KY 66 No 24
Bell bellcu.comNCUA 67263 · Hutchinson, KS 52 No 32
Tyler City Employees tylercityecu.comNCUA 67638 · Tyler, TX 48 No 1
State Bank of Easton statebankeaston.comFDIC 16561 · Easton, Minnesota 54 Gated 27
Precision tspcu.orgNCUA 24816 · Keene, NH 40 Gated 32
Rocket rocketfcu.comNCUA 9799 · Mcgregor, TX 47 Gated 19
Lowell Firefighters lffcu.comNCUA 67767 · Lowell, MA 44 Gated 32
Mercer County W VA Teachers mctfcu.virtualcu.netNCUA 9413 · Bluefield, WV 33 Gated 1
Post Office Cu of MD, Inc. pocumd.orgNCUA 95742 · Baltimore, MD 53 Gated 30
Andes State Bank andesstatebank.comFDIC 18483 · Lake Andes, South Dakota 48 Gated 17
The Liberty Savings Association, FSA libertysavingsfsa.comFDIC 29857 · Fort Scott, Kansas 61 No 3
Union Fidelity unionfidelityfcu.comNCUA 15049 · Houston, TX 46 No 1
Coweta Cities & County Employees cccefcu.orgNCUA 20509 · Newnan, GA 47 Gated 32
Mattel mattelfcu.orgNCUA 8261 · El Segundo, CA 52 Gated 32
Latvian Cleveland latvianclevelandcu.orgNCUA 62822 · Lakewood, OH 43 Gated 15
Milford Building and Loan Association no website on recordFDIC 30152 · Milford, Illinois; no web address reported to the FDIC — No —
Community Plus cplusfcu.orgNCUA 24751 · Rantoul, IL 43 Gated 32
Glendive Bn bnfcu.orgNCUA 7716 · Glendive, MT 42 Gated 9
Lakes lakesfcu.comNCUA 10772 · Monticello, IN 33 Gated 1
Florida a & M University famufcu.comNCUA 187 · Tallahassee, FL 49 No 19
None Suffer Lack nslfcu.orgNCUA 24657 · Suitland, MD 46 No 13
Atlantic Health Employees ahefcu.orgNCUA 21737 · Summit, NJ 57 No 15
Chicago Post Office Employees cpoecu.comNCUA 95826 · Chicago, IL 56 No 32
Beacon Financial beaconfcu.orgNCUA 67776 · Johnson City, TN 39 Gated 18
American Trust and Savings Bank atsb-lowden.comFDIC 10120 · Lowden, Iowa 52 No 26
2 Rivers Area 2riversacu.comNCUA 62827 · Kankakee, IL 62 No 17
Nj Gateway njgateway.orgNCUA 19454 · Dayton, NJ 61 No 1
Harrison Police & Firemen's hpffcu.orgNCUA 6638 · Harrison, NJ 28 Gated 1
Area Community gfaccu.comNCUA 64294 · Grand Forks, ND 57 No 1
The Philadelphia Trust Company philadelphiatrust.comFDIC 35075 · Philadelphia, Pennsylvania 62 No 20
New Heights nhfcu.comNCUA 24763 · Logan, UT 33 Gated 1
Haverhill Fire Department hfdcu.comNCUA 67710 · Haverhill, MA 55 Gated 32
Brazos National Bank brazosbank.comFDIC 24038 · Richwood, Texas 53 Gated 15
Olean Teachers' and Postal otpfcu.comNCUA 7656 · Olean, NY 53 Gated 28
Ridgeline ridgelinecu.comNCUA 7546 · Salt Lake City, UT 64 No 23
Southern Pine southernpinecu.orgNCUA 67403 · Lake Park, GA 48 Gated 32
Health healthcu.comNCUA 62664 · Birmingham, AL 45 Gated 9
Hiwassee River omcecu.comNCUA 67946 · Charleston, TN 45 No 1
Community Connect communityconnectfcu.comNCUA 11172 · Titusville, PA 33 Gated 1
Aegis aegiscu.comNCUA 65521 · Clinton, IA 53 No 1
Anderson County ancfcu.comNCUA 9880 · Palestine, TX 60 Gated 31
Jemez Valley jvcu.orgNCUA 62637 · Jemez Springs, NM 46 Gated 32
Dallas U.p. Employees dupecu.orgNCUA 67547 · Dallas, TX 37 Gated 30
Lexington Postal Community lexpccu.comNCUA 62370 · Lexington, KY 56 No 32
EQT eqtfcu.orgNCUA 5028 · Pittsburgh, PA 45 No 1
Subiaco subiacofcu.orgNCUA 5922 · Subiaco, AR 45 No 1
Allegany First alleganyfirstfcu.comNCUA 22883 · Fillmore, NY 55 Gated 31
Penlanco penlancofcu.comNCUA 2834 · Lancaster, PA 69 No 32
Montcalm Public Employees mpecreditunion.comNCUA 61999 · Edmore, MI 58 Gated 32
Norfolk Fire Department norfolkfirefcu.orgNCUA 3746 · Norfolk, VA 44 Gated 3
Marshall County marshallcountyfcu.comNCUA 21713 · Moundsville, WV 51 No 12
Yantis yantisfcu.comNCUA 10502 · Yantis, TX 51 No 1
VA Pittsburgh Employees vapghefcu.orgNCUA 9479 · Pittsburgh, PA 45 No 1
Mycom mycomcu.orgNCUA 10065 · Pittsfield, MA 52 Gated 32
Texhillco School Employees texhillco.orgNCUA 11576 · Kerrville, TX 58 Gated 27
Vah Lyons Employees vahlyonsefcu.orgNCUA 22028 · Lyons, NJ 60 No 9
The Farmers State Bank fsbfairview.comFDIC 15853 · Fairview, Kansas 58 No 26
Farm Bureau Family farmbureaufamilycu.orgNCUA 62330 · Lansing, MI 58 Gated 32
Elite Community eliteccu.comNCUA 60304 · Bourbonnais, IL 53 No 13
OK okfcu.orgNCUA 10158 · Bartlesville, OK 33 Gated 1
First State Bank in Temple fstbank.comFDIC 5999 · Temple, Oklahoma 58 No 10
Construction cfcuonline.comNCUA 21798 · Bingham Farms, MI 38 Gated 29
Mt. Rainier mtrainierfcu.comNCUA 68747 · Puyallup, WA 65 No 14
Aurora Policemen apcu4u.comNCUA 97100 · Aurora, IL 59 Gated 29
Family Community ccfccu.comNCUA 64067 · Charles City, IA 43 Gated 8
First Federal Savings & Loan Association of Ravenswood no website on recordFDIC 29490 · Ravenswood, West Virginia; no web address reported to the FDIC — No —
Campus State Bank campustatebank.comFDIC 10840 · Campus, Illinois 33 Gated 1
Center City Community ccccu.orgNCUA 68052 · Buena Park, CA 59 No 32
Louisiana Catholic louisianacatholicfcu.comunreachableNCUA 7331 · Shreveport, LA — No —

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