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 7,101–7,200 of 8,519 · page 72 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Healthcare Services hscu.netNCUA 68173 · Chattanooga, TN | 45 | No | 1 | |
| Central Illinois cicu.comNCUA 65186 · Champaign, IL | 33 | Gated | 1 | |
| Onomea onomeafcu.orgNCUA 3050 · Papaikou, HI | 43 | Gated | 31 | |
| Dowagiac Area dafcu.netNCUA 21070 · Dowagiac, MI | 54 | Gated | 32 | |
| North East Welch newelchfcu.comNCUA 8687 · North East, PA | 50 | Gated | 32 | |
| Lockport Schools & Community lscfcu.orgNCUA 17372 · Lockport, NY | 48 | Gated | 8 | |
| The First National Bank of Lipan no website on recordFDIC 3303 · Lipan, Texas; no web address reported to the FDIC | — | No | — | |
| Fresno Grangers no website on recordNCUA 4163 · Fresno, CA; no web address reported on the NCUA call report | — | No | — | |
| County countycu.orgNCUA 64056 · Clayton, MO | 57 | No | 32 | |
| Racine Municipal Employees rmecu.orgblockedNCUA 66622 · Racine, WI; not measured: HTTP 403 | — | No | — | |
| Compass Financial compassffcu.orgNCUA 1068 · Hialeah, FL | 55 | No | 32 | |
| The Local thelocalfcu.comNCUA 22747 · Dallas, TX | 48 | No | 1 | |
| Beverly Municipal beverlycreditunion.comNCUA 24192 · Beverly, MA | 39 | Gated | 13 | |
| Westside Community wscfcu.comNCUA 15324 · Churchville, NY | 51 | Gated | 29 | |
| Michigan Coastal michigancoastal.comNCUA 61631 · Muskegon, MI | 48 | Gated | 32 | |
| Home Savings Bank, FSB homesavingsbanknky.comFDIC 31723 · Ludlow, Kentucky | 54 | Gated | 20 | |
| Suwannee River suwanneeriverfcu.comNCUA 1086 · Live Oak, FL | 51 | Gated | 1 | |
| Augusta County augustacountyfcu.orgNCUA 11744 · Verona, VA | 61 | No | 32 | |
| Concho Valley conchovalleycu.comNCUA 67473 · San Angelo, TX | 38 | No | 1 | |
| Ohio Valley ovfcu.orgNCUA 22688 · Batavia, OH | 64 | No | 1 | |
| Your Hometown yourhometownfcu.orgNCUA 16702 · Mayfield, KY | 42 | Gated | 1 | |
| SEG segfcu.orgNCUA 7405 · Laurel, MT | 48 | No | 9 | |
| U. H. S. Employees cuonlineuhs.orgNCUA 21586 · Johnson City, NY | 52 | Gated | 29 | |
| Gulf Trust gulftrustcu.orgNCUA 24908 · Pascagoula, MS | 56 | No | 18 | |
| Chattanooga First chattfirst.orgNCUA 14725 · Chattanooga, TN | 57 | No | 10 | |
| Worcester Police Department wpdfcu.comNCUA 24868 · Worcester, MA | 55 | Gated | 28 | |
| Shared Resources srcu.netNCUA 67477 · Pasadena, TX | 48 | Gated | 22 | |
| Nebraska State Bank no website on recordFDIC 16516 · Lynch, Nebraska; no web address reported to the FDIC | — | No | — | |
| Legacy yourlcu.comNCUA 64708 · Joplin, MO | 46 | Gated | 24 | |
| LA Terre laterrefcu.orgNCUA 20002 · Houma, LA | 57 | Gated | 32 | |
| Energize energize.coopNCUA 60994 · Oklahoma City, OK | 46 | No | 31 | |
| Department of Public Safety dpsfcu.orgNCUA 8890 · Oklahoma City, OK | 52 | No | 32 | |
| Eight eightfederalcu.orgNCUA 20222 · Rossford, OH | 44 | No | 1 | |
| Midwest Liberty midwestlibertyfcu.orgNCUA 6466 · Mccook, NE | 46 | Gated | 30 | |
| Grand Prairie gpcreditunion.orgNCUA 60307 · Grand Prairie, TX | 54 | Gated | 32 | |
| The First National Bank of Assumption fnbassumption.comFDIC 3600 · Assumption, Illinois | 45 | No | 1 | |
| Columbia Post Office columbiapostalcreditunioNCUA 61065 · Columbia, SC | 33 | Gated | 1 | |
| The Baxter State Bank baxterstatebank.comFDIC 12432 · Baxter Springs, Kansas | 57 | No | 23 | |
| Reliance reliancecu.orgNCUA 63169 · Kansas City, KS | 33 | Gated | 1 | |
| Northwest Consumers nwconsumers.orgNCUA 8077 · Traverse City, MI | 40 | Gated | 32 | |
| Howard County Education hctafcu.orgNCUA 8642 · Ellicott City, MD | 58 | Gated | 26 | |
| First Point firstpointfcu.comNCUA 10319 · Hamilton, NJ | 44 | No | 1 | |
| Weatherhead C C weatherheadfcu.comNCUA 16732 · Columbia City, IN | 55 | Gated | 14 | |
| People's peoplescu.infoNCUA 62564 · Rayne, LA | 57 | No | 6 | |
| P & S pandscu.orgNCUA 67056 · Salt Lake City, UT | 56 | Gated | 32 | |
| Jersey Central jerseycentralfcu.comNCUA 2493 · Cranford, NJ | 54 | No | 1 | |
| Dillard's mydfcu.comNCUA 21268 · Little Rock, AR | 59 | No | 23 | |
| Cobblestone Country cobblestonecountryfcu.coNCUA 16672 · Albion, NY | 33 | Gated | 1 | |
| Attleboro M E attleborofcu.orgNCUA 16011 · Attleboro, MA | 47 | Gated | 32 | |
| Martin County Cooperative no website on recordNCUA 67762 · Loogootee, IN; no web address reported on the NCUA call report | — | No | — | |
| Employees Choice employeeschoice.orgNCUA 13526 · El Cajon, CA | 64 | No | 21 | |
| Savannah Postal savannahpostalcu.comNCUA 67364 · Savannah, GA | 45 | No | 1 | |
| District #6 district6fcu.comNCUA 1080 · Hornell, NY | 40 | Gated | 32 | |
| Rim Country rimcountryfcu.comblockedNCUA 16190 · Snowflake, AZ; not measured: HTTP 403 | — | No | — | |
| First Neshoba fnfcu.orgNCUA 16435 · Philadelphia, MS | 45 | No | 1 | |
| NY Firefighters Bravest nybravestfcu.orgNCUA 609 · Albany, NY | 44 | No | 32 | |
| Kennedy VA Employees kennedyvaefcu.orgNCUA 5811 · Memphis, TN | 48 | No | 1 | |
| Ok Members First omffcu.orgNCUA 7154 · Tulsa, OK | 60 | No | 18 | |
| Highway Crossroads mycrossroadscu.comNCUA 60167 · Sikeston, MO | 60 | No | 32 | |
| ANG angfcu.orgNCUA 11975 · Birmingham, AL | 35 | Gated | 32 | |
| Boelus State Bank boelusbank.comFDIC 17825 · Boelus, Nebraska | 62 | No | 13 | |
| Texas People fwtpfcu.orgNCUA 5337 · Fort Worth, TX | 39 | Gated | 32 | |
| Sylvania Area sylvaniaareafcu.comNCUA 17733 · Sylvania, OH | 55 | No | 1 | |
| N.F.G. #2 nfg2.comNCUA 9776 · Warren, PA | 54 | No | 10 | |
| Mountain West mountainwestfcu.comNCUA 8129 · Butte, MT | 51 | Gated | 32 | |
| Hart County Bank and Trust Company no website on recordFDIC 10145 · Munfordville, Kentucky; no web address reported to the FDIC | — | No | — | |
| Alliance Niagara allianceniagara.comNCUA 18409 · Sanborn, NY | 54 | Gated | 32 | |
| Frederiksted ffcuvi.orgNCUA 8069 · Frederiksted, VI | 48 | No | 32 | |
| Hancock School Emp. hsefcu.comNCUA 21115 · Weirton, WV | 48 | No | 1 | |
| Western Illinois School Employees wisecu.comNCUA 65426 · Quincy, IL | 51 | Gated | 1 | |
| Honeywell Philadelphia Div honeywellfcu.comNCUA 2374 · Ft Washington, PA | 46 | Gated | 12 | |
| Parish parishfcu.coopNCUA 2935 · Toledo, OH | 49 | Gated | 16 | |
| Temple Santa Fe Community tsfccu.comNCUA 67573 · Temple, TX | 49 | Gated | 19 | |
| Monroe County Teachers monroecountyteachersfcu.NCUA 7039 · Key West, FL | 33 | Gated | 1 | |
| RAH rahfcu.orgNCUA 14845 · Randolph, MA | 56 | No | 1 | |
| The Citizens National Bank of Hammond no website on recordFDIC 14820 · Hammond, New York; no web address reported to the FDIC | — | No | — | |
| New Brunswick Postal nbpostalfcu.orgNCUA 2394 · New Brunswick, NJ | 45 | No | 1 | |
| Leadco Community leadco.orgNCUA 67936 · Farmington, MO | 57 | No | 9 | |
| Bayou City bcfcu.comNCUA 23582 · Houston, TX | 54 | No | 32 | |
| Thiokol Elkton thiokolfcu.orgNCUA 12185 · Elkton, MD | 52 | Gated | 31 | |
| First State Bank of Swanville fsbswanville.comFDIC 8218 · Swanville, Minnesota | 66 | No | 10 | |
| Tee-Pak teepakcu.comNCUA 60390 · Danville, IL | 33 | Gated | 1 | |
| Liberty County Teachers libertycu.comNCUA 14052 · Liberty, TX | 59 | No | 8 | |
| Mint Valley mintvalleyfcu.orgNCUA 1827 · Longview, WA | 61 | No | 32 | |
| Northern Redwood northernredwoodfcu.orgNCUA 10362 · Arcata, CA | 45 | No | 1 | |
| Rockford Municipal Employees rmecu.netNCUA 62826 · Rockford, IL | 65 | No | 1 | |
| Unite unite-cu.orgNCUA 65071 · Cedar Falls, IA | 55 | No | 30 | |
| Western PA westernpafcu.orgNCUA 21140 · New Kensington, PA | 57 | Gated | 32 | |
| Allegheny Ludlum Brackenridge albfcu.orgNCUA 4095 · Brackenridge, PA | 62 | No | 1 | |
| Billerica Municipal Employees billericamecu.comNCUA 66336 · Billerica, MA | 53 | Gated | 32 | |
| S C I scifcu.comNCUA 16655 · Florence, SC | 61 | No | 12 | |
| Westmoreland Water wwcu.orgNCUA 9042 · Greensburg, PA | 46 | Gated | 21 | |
| Advantage One adonecu.orgNCUA 68343 · Morrison, IL | 50 | No | 32 | |
| The Peoples State Bank psbcherryvale.comFDIC 16744 · Cherryvale, Kansas | 52 | Gated | 9 | |
| Financial Educators financialedufcu.comNCUA 19605 · Daytona Beach, FL | 56 | No | 16 | |
| Cuba cubacreditunion.orgNCUA 66097 · Cuba, NM | 48 | No | 13 | |
| Chattahoochee chatt.coopNCUA 24221 · Valley, AL | 56 | No | 10 | |
| The Mt. Victory State Bank mtvictorybank.comFDIC 9438 · Mount Victory, Ohio | 48 | No | 1 | |
| Members Trust memberstrust.orgNCUA 15874 · Mason, OH | 69 | No | 32 | |
| Hamakua hamakuafcu.orgNCUA 2280 · Pepeekeo, HI | 57 | No | 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