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 7,201–7,300 of 8,519 · page 73 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Mid-State midstatefcu.orgblockedNCUA 6739 · Carteret, NJ; not measured: HTTP 403 | — | No | — | |
| Edisto edistofederalcu.orgNCUA 1397 · Orangeburg, SC | 46 | Gated | 32 | |
| Stamford Healthcare shccu.orgNCUA 66002 · Stamford, CT | 52 | Gated | 14 | |
| The Dickinson County Bank dcbonline.netFDIC 12425 · Enterprise, Kansas | 44 | No | 1 | |
| The First National Bank of Fletcher fletcherbank.comFDIC 4098 · Fletcher, Oklahoma | 64 | No | 13 | |
| Priority Plus priorityplusfcu.orgNCUA 663 · Wilmington, DE | 46 | Gated | 32 | |
| Main Impact mainimpactfcu.orgNCUA 22978 · Murray, KY | 45 | Gated | 16 | |
| Wolf Point wpfcu.comNCUA 15375 · Wolf Point, MT | 55 | No | 1 | |
| Encompass Niagara encompassniagara.comNCUA 24873 · Niagara Falls, NY | 52 | No | 12 | |
| Ontario Public Employees opefcu.orgNCUA 13044 · Ontario, CA | 50 | Gated | 1 | |
| Maryville Municipal mmcutn.comNCUA 68077 · Maryville, TN | 55 | No | 1 | |
| Ashland Community ashlandfcu.orgNCUA 7072 · Ashland, OH | 61 | No | 32 | |
| K I T kitfcu.orgNCUA 16947 · Louisville, KY | 48 | Gated | 32 | |
| Strategic strategicfcu.orgNCUA 21319 · Sterling, VA | 60 | No | 15 | |
| First Priority firstpriorityabilene.orgNCUA 67542 · Abilene, TX | 39 | Gated | 1 | |
| First City Bank firstcitybankga.comFDIC 16281 · Alpharetta, Georgia | 65 | No | 32 | |
| United Labor unitedlaborcu.orgNCUA 67009 · Raytown, MO | 57 | No | 1 | |
| Trades & Labor tradesandlabor.comNCUA 24674 · Albert Lea, MN | 48 | Gated | 28 | |
| Rome Kraft Employees romekraftcu.comNCUA 60707 · Coosa, GA | 68 | No | 29 | |
| Sainte Marie State Bank no website on recordFDIC 12086 · Sainte Marie, Illinois; no web address reported to the FDIC | — | No | — | |
| Glynn County Federal Employees glyncofecu.orgNCUA 67354 · Brunswick, GA | 54 | No | 16 | |
| Members 1St members1cu.comNCUA 63899 · Brattleboro, VT | 48 | No | 1 | |
| Georgia Power Valdosta gpvfcu.comNCUA 12291 · Valdosta, GA | 49 | No | 32 | |
| Somerville School Employees ssefcu.orgNCUA 3475 · Somerville, MA | 42 | No | 8 | |
| West Penn P&p westppfcu.comNCUA 9476 · Beaver, PA | 57 | No | 1 | |
| Peoples Bank of Macon no website on recordFDIC 19105 · Macon, Illinois; no web address reported to the FDIC | — | No | — | |
| Express expresscu.orgNCUA 68273 · Seattle, WA | 54 | No | 32 | |
| American Pride americanpridecu.orgNCUA 60389 · Altoona, PA | 35 | Gated | 18 | |
| Internal Revenue irfcuno.comNCUA 2446 · New Orleans, LA | 45 | No | 1 | |
| Local 804 cu804.orgNCUA 23144 · Port Washington, NY | 56 | No | 32 | |
| Ibew/Sj Cascade ibewsjcu.orgNCUA 14402 · Salem, OR | 67 | No | 1 | |
| Generations generationscu.orgNCUA 60429 · Rockford, IL | 64 | No | 10 | |
| Mopac Employees mopaccu.comNCUA 1129 · Palestine, TX | 61 | No | 9 | |
| Farmers farmersfcu.comNCUA 26 · Jacksonville, FL | 39 | Gated | 32 | |
| Federal Employees federalemployeescu-dn.fNCUA 62929 · Monroe, LA | 33 | Gated | 1 | |
| Covington Schools no website on recordNCUA 11950 · Andalusia, AL; no web address reported on the NCUA call report | — | No | — | |
| Fortress fortressfcu.orgNCUA 7392 · Marion, IN | 57 | No | 1 | |
| Steel Valley steelvalleyfcu.orgNCUA 17555 · Cleveland, OH | 50 | Gated | 8 | |
| Tandem tandemfcu.comNCUA 4787 · Warren, MI | 63 | No | 30 | |
| Alba-Golden albagoldfcu.virtualcu.nNCUA 13655 · Alba, TX | 33 | Gated | 1 | |
| Genesis Employees genesisecu.comNCUA 68451 · Zanesville, OH | 44 | No | 1 | |
| Fayette County School Employees fayetteschoolcu.orgNCUA 61515 · Uniontown, PA | 44 | No | 14 | |
| Special Metals specialmetalsfcu.comNCUA 14522 · New Hartford, NY | 50 | Gated | 18 | |
| Warren Municipal warrenmunicipalfcu.comNCUA 7633 · Warren, MI | 45 | Gated | 32 | |
| Wheat State wheatstatecu.comNCUA 63211 · Wichita, KS | 52 | Gated | 32 | |
| Feliciana felicianafcu.comNCUA 13687 · Zachary, LA | 42 | Gated | 21 | |
| New Orleans Police Department Emp. nopdecu.comNCUA 63008 · New Orleans, LA | 52 | No | 5 | |
| Farmers and Merchants Bank fmbokonline.comFDIC 4144 · Maysville, Oklahoma | 53 | Gated | 16 | |
| Niagara Falls a F niagarafallsafcu.comNCUA 10613 · Niagara Falls, NY | 60 | No | 31 | |
| Northeast Panhandle Teachers nptfcu.comNCUA 19171 · Perryton, TX | 56 | No | 9 | |
| McMurrey mcmurreyfcu.comNCUA 10481 · Tyler, TX | 65 | No | 1 | |
| United Churches unitedchurchescu.orgNCUA 62144 · Taylor, MI | 56 | No | 31 | |
| Monmouth County Postal Employees monmouthpostalcu.orgNCUA 61872 · Red Bank, NJ | 63 | No | 1 | |
| Salina Interparochial no website on recordNCUA 67799 · Salina, KS; no web address reported on the NCUA call report | — | No | — | |
| Essex County Teachers ectcu.orgNCUA 1131 · Bloomfield, NJ | 63 | No | 31 | |
| Metro North metronorthfcu.comNCUA 9441 · Jacksonville, FL | 51 | Gated | 14 | |
| Chesterfield State Bank no website on recordFDIC 10872 · Chesterfield, Illinois; no web address reported to the FDIC | — | No | — | |
| Coopers Cave cooperscavefcu.comNCUA 12671 · Glens Falls, NY | 50 | No | 15 | |
| National Advisors Trust Company nationaladvisors.comFDIC 57160 · Leawood, Kansas | 49 | Gated | 32 | |
| Raleigh County raleighcountyfcu.comNCUA 7790 · Beckley, WV | 44 | No | 1 | |
| McLennan County Employees mclennancountyefcu.comNCUA 10461 · Waco, TX | 59 | No | 6 | |
| Grand Heritage ghfcu.comNCUA 10666 · Laporte, IN | 58 | No | 18 | |
| St. Vincent's Medical Center svmcfcu.orgNCUA 20629 · Bridgeport, CT | 65 | No | 1 | |
| Community Spirit Credit Union communityspiritcu.orgNCUA 65493 · Lawrenceburg, IN | 63 | No | 1 | |
| Chelsea Employees chelseaefcu.orgNCUA 851 · Chelsea, MA | 58 | Gated | 31 | |
| Chicago Firemans Assoc chicagofiremansacu.orgNCUA 60175 · Chicago, IL | 61 | No | 1 | |
| Novo novocu.orgNCUA 15784 · Norco, CA | 63 | No | 21 | |
| Encentus encentusfcu.orgNCUA 20015 · Tulsa, OK | 46 | No | 32 | |
| Niagara-Wheatfield nwfcuanytime.comNCUA 14040 · Sanborn, NY | 52 | Gated | 1 | |
| Electrical Workers Local 58 ewcu.netNCUA 64267 · Detroit, MI | 51 | Gated | 32 | |
| Consumer's consumersfcu.coopNCUA 22719 · Gregory, SD | 66 | No | 32 | |
| City ccutuscaloosa.comNCUA 62062 · Tuscaloosa, AL | 42 | Gated | 15 | |
| Raleigh Co. Educators raleighcountyefcu.comNCUA 23722 · Beckley, WV | 48 | Gated | 9 | |
| North Penn northpennfcu.orgNCUA 10720 · Colmar, PA | 54 | No | 10 | |
| Co-Operative cooperativecu.comNCUA 61783 · Coffeyville, KS | 54 | Gated | 24 | |
| Richmond Virginia Fire Police Credi firepolicecu.orgNCUA 66899 · Richmond, VA | 48 | Gated | 32 | |
| Harvard Community harvardccu.orgNCUA 60201 · Harvard, IL | 49 | No | 6 | |
| Le Roy leroyfcu.orgNCUA 12170 · Le Roy, NY | 45 | Gated | 20 | |
| Railway Employees railwaycreditunion.comNCUA 61474 · Muscle Shoals, AL | 47 | Gated | 13 | |
| Odessa Employees odessaecu.comNCUA 67534 · Odessa, TX | 66 | No | 21 | |
| Kyger Creek no website on recordNCUA 96737 · Cheshire, OH; no web address reported on the NCUA call report | — | No | — | |
| Devils Slide devilsslidefcu.orgNCUA 16264 · Morgan, UT | 45 | No | 1 | |
| Maine Solutions mesolutionsfcu.orgNCUA 17436 · South Portland, ME | 33 | Gated | 32 | |
| Diversified General yourdgfcu.orgNCUA 17411 · Logansport, IN | 59 | Gated | 32 | |
| Acadian acadianfcu.orgNCUA 6898 · Lafayette, LA | 35 | Gated | 32 | |
| East Alabama Community eamcfcu.comNCUA 12383 · Opelika, AL | 37 | Gated | 24 | |
| Northside northsidefcu.comNCUA 20410 · Atlanta, GA | 52 | Gated | 26 | |
| Kone Employees konecu.comNCUA 60855 · Moline, IL | 45 | No | 1 | |
| Hertford Savings Bank, SSB hertfordsavingsbank.comFDIC 31345 · Hertford, North Carolina | 65 | No | 11 | |
| Union Pacific Streamliner upcu.orgNCUA 2260 · Omaha, NE | 59 | Gated | 32 | |
| Columbia Savings and Loan Association columbiasla.comFDIC 28480 · Milwaukee, Wisconsin | 59 | No | 1 | |
| Farmers & Merchants Bank fmbok.comFDIC 12284 · Duke, Oklahoma | 59 | No | 1 | |
| Community Healthcare commhealthcu.orgNCUA 12847 · Everett, WA | 45 | Gated | 24 | |
| East Orange VA Hospital eovahfcu.comNCUA 11604 · East Orange, NJ | 34 | Gated | 1 | |
| Chadron chadronfcu.orgNCUA 13966 · Chadron, NE | 36 | Gated | 32 | |
| The Heart Center theheartcentercu.comNCUA 22456 · Roslyn, NY | 46 | Gated | 26 | |
| Blue Water bluewaterfcu.comNCUA 12906 · Port Huron, MI | 52 | Gated | 32 | |
| Bloomington Postal Employees ea.financial-net.comNCUA 64038 · Bloomington, IL | 49 | Gated | 1 | |
| Farmers State Bank of Medora no website on recordFDIC 13902 · Medora, Illinois; no web address reported to the FDIC | — | No | — | |
| Northern Valley northernvalleyfcu.comNCUA 1344 · Grand Forks, ND | 62 | No | 15 |
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