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 7,301–7,400 of 8,519 · page 74 of 86

SiteScore GatedPages read Report
Waco wacofcu.orgNCUA 6368 · Waco, TX 44 No 1
Oshkosh Community oshkoshcommunitycu.comNCUA 66779 · Oshkosh, WI 48 No 1
Neighborhood Trust neighborhoodtrustfcu.orgNCUA 24589 · New York, NY 43 Gated 30
Locomotive & Control Employees locomotivecontrolefcu.cNCUA 1111 · Erie, PA 33 Gated 1
Lcra lcracu.orgNCUA 67537 · Austin, TX 65 No 1
Crouse crousefcu.comNCUA 22972 · Syracuse, NY 55 Gated 30
Port Arthur Community pac-fcu.comNCUA 7023 · Port Arthur, TX 64 No 30
St. Louis Newspaper Carriers no website on recordNCUA 63055 · Fenton, MO; no web address reported on the NCUA call report — No —
Lynn Firemens lynnffcu.comNCUA 484 · Lynn, MA 56 Gated 25
Hutchinson Government Employees hgecu.comNCUA 63090 · Hutchinson, KS 68 No 23
Temple-Inland t-ifcu.comNCUA 6726 · Diboll, TX 55 No 18
St. Louis Policemen`S stlpolicecu.comNCUA 64425 · Saint Louis, MO 42 Gated 28
L'oreal USA lorealusafcu.comNCUA 21109 · Mountainside, NJ 45 No 1
Texstar texstarfcu.comNCUA 17953 · Kenedy, TX 45 No 1
Brazos Community brazosccu.orgNCUA 67510 · Alvin, TX 53 No 9
Corner Stone cornerstonecreditunion.nNCUA 68011 · Lancaster, TX 33 Gated 1
Tri State Rail tristaterailfcu.comNCUA 6070 · Erie, PA 44 Gated 32
ARH arhfcu.orgNCUA 20438 · Middlesboro, KY 58 No 2
Fayette Federal Employees ffefcu.orgNCUA 10690 · Uniontown, PA 56 Gated 32
Old Kentucky Home okhfcu.comNCUA 18172 · Bardstown, KY 48 Gated 23
Hamilton Horizons hamiltonhorizons.orgNCUA 9411 · Hamilton, NJ 65 No 32
Northwest Arkansas nwarkansasfcu.comNCUA 195 · Fayetteville, AR 52 No 16
Kaleida Health kaleidahealthfcu.orgNCUA 22220 · Buffalo, NY 57 Gated 29
Dn Community dncfcu.comNCUA 24720 · Canton, OH 45 No 1
Holy Family Memorial hfmcu.orgNCUA 66476 · Manitowoc, WI 52 No 25
Lakota lakotafcu.orgNCUA 24847 · Kyle, SD 36 Gated 1
Federal Employees federalempscu.comNCUA 62599 · Birmingham, AL 49 Gated 21
Frankfort Community frankfortcu.orgNCUA 13355 · Frankfort, MI 56 No 15
Ppg & Associates ppgfcu.orgNCUA 370 · Creighton, PA 45 No 1
NYM nymfcu.orgNCUA 18238 · Brooklyn, NY 64 No 4
Amarillo Postal Employees crunion.orgNCUA 67639 · Amarillo, TX 50 Gated 16
The Farmers State Bank dwightfsb.comFDIC 17632 · Dwight, Kansas 49 No 5
Alleg-Kiski Postal akpostalfcu.orgNCUA 8825 · New Kensington, PA 42 Gated 24
International Uaw iuawfcu.comNCUA 5123 · Detroit, MI 33 Gated 1
Germania germaniacreditunion.comNCUA 66857 · Brenham, TX 60 No 1
Genuine Parts gpcu.netNCUA 67382 · Norcross, GA 42 Gated 1
Altoona Area Employees altoonafcu.comNCUA 23753 · Altoona, PA 42 Gated 1
Local 41 I.b.e.w. local41fcu.comNCUA 22447 · Orchard Park, NY 61 No 1
Power One poweronefcu.orgNCUA 620 · Fort Wayne, IN 50 Gated 31
Cincinnati Healthcare Associates healfcu.orgNCUA 21157 · Cincinnati, OH 47 Gated 12
Cal-Ed cal-ed.comNCUA 13503 · California, PA 58 No 1
Summit Ridge mysrcu.comNCUA 64394 · Lees Summit, MO 33 Gated 29
The Bank of Steinauer bankofsteinauer.comFDIC 10635 · Steinauer, Nebraska 50 No 1
M.e. Employees meecu.orgNCUA 66862 · Wausau, WI 64 No 31
Transit atu1181.orgunreachableNCUA 21831 · Valley Stream, NY — No —
Newrizons newrizonsfcu.comNCUA 16893 · Hoquiam, WA 61 No 32
Bitterroot Community bitterrootcommunityfcu.cNCUA 18964 · Darby, MT 33 Gated 1
The Family First familyfirstfcu.orgNCUA 11364 · Great Falls, MT 55 Gated 32
Coteau Valley coteauvalleyfcu.comNCUA 6992 · Sisseton, SD 49 Gated 22
Eastern Panhandle easternpanhandlefcu.comNCUA 19890 · Martinsburg, WV 62 No 12
Huron Area Education huronareaeducationfcu.cNCUA 7599 · Huron, SD 33 Gated 1
Appliance appliancecu.comNCUA 67976 · Cleveland, TN 64 No 10
Electric Cooperatives electriccoopfcu.orgNCUA 23361 · Little Rock, AR 51 Gated 32
Syracuse Postal no website on recordNCUA 24387 · Syracuse, NY; no web address reported on the NCUA call report — No —
Southwest Communities swcfcu.orgNCUA 3278 · Carnegie, PA 45 No 1
Stanwood Area stanwoodareafcu.orgNCUA 4088 · New Stanton, PA 55 Gated 9
Calcasieu Parish Employees cpefcu.comNCUA 18962 · Lake Charles, LA 58 No 10
Santo Christo santochristocu.comNCUA 9822 · Fall River, MA 59 No 27
Ellis County Teachers and Employees ectefcu.netNCUA 12266 · Waxahachie, TX 33 Gated 1
South Coast Ilwu southcoastilwufcu.comNCUA 9376 · North Bend, OR 65 No 8
1St University culink.netNCUA 67483 · Waco, TX 49 Gated 32
L R F D lrfdfcu.virtualcu.netNCUA 6725 · Little Rock, AR 52 Gated 17
Combined Employees combinedecu.comNCUA 60825 · Warner Robins, GA 62 No 32
High Desert Community highdesertcu.orgNCUA 66185 · Aztec, NM 55 Gated 11
Txdot txdotcu.comNCUA 67439 · Abilene, TX 51 Gated 32
Linkage linkagecu.comNCUA 67519 · Waco, TX 58 Gated 23
Hartsburg State Bank no website on recordFDIC 11716 · Hartsburg, Illinois; no web address reported to the FDIC — No —
Medical Park medparkcu.comNCUA 62593 · Grand Forks, ND 57 No 31
Energy People energypeoplefcu.comNCUA 13729 · Medford, NJ 69 No 30
Southern southerncu.comNCUA 66980 · Chattanooga, TN 45 No 1
Community Healthcare chcu.orgNCUA 60247 · Manchester, CT 60 Gated 31
Northern Illinois mynifcu.comNCUA 19708 · Dekalb, IL 51 No 32
Toledo Urban toledourban.netNCUA 24578 · Toledo, OH 63 No 32
Jefferson Community jcfcu.comNCUA 19319 · Madison, IN 63 No 1
Victoria Teachers myvtfcu.comNCUA 10327 · Victoria, TX 57 No 16
Lion lioncreditunion.comNCUA 24437 · El Dorado, AR 58 No 4
Fasny fasnycu.comNCUA 24690 · Albany, NY 50 Gated 32
Mid-Island midislandfcu.orgNCUA 23811 · Christiansted, VI 51 No 22
Dupage County Employees dupagececu.orgNCUA 61290 · Wheaton, IL 46 Gated 1
Huntingdon Savings Bank no website on recordFDIC 30031 · Huntingdon, Pennsylvania; no web address reported to the FDIC — No —
First Lincoln firstlincoln.orgNCUA 10756 · Lincoln, NE 41 Gated 31
Saint Vincent Erie svefcu.comNCUA 13933 · Erie, PA 51 No 6
The West Tennessee wtncu.orgNCUA 60726 · Atoka, TN 58 No 1
Minerva Area minervacreditunion.comNCUA 20622 · Minerva, OH 64 No 1
South Atlantic safcu1.orgNCUA 21202 · Boca Raton, FL 48 No 32
77Th Street Depot 77thstreetdepotfcu.orgNCUA 2505 · Chicago, IL 34 Gated 13
Southern Star southernstarcu.orgNCUA 67660 · Houston, TX 68 No 25
Cadets cadetsfcu.comNCUA 6930 · Elma, NY 46 Gated 19
Bayou Community bayoucfcu.comNCUA 11782 · Saint Gabriel, LA 46 Gated 32
Armstrong Co. Federal Emp. no website on recordNCUA 19745 · Kittanning, PA; no web address reported on the NCUA call report — No —
W B H Employees wbhfcu.comNCUA 10274 · Paducah, KY 48 Gated 7
Local Union 392 392fcu.orgNCUA 24373 · Cincinnati, OH 46 Gated 20
Buffalo Police buffalopolicefcu.orgNCUA 1157 · Buffalo, NY 33 Gated 1
Fontana fontanafcu.orgNCUA 12898 · Fontana, CA 52 No 1
Linxus linxuscu.orgNCUA 64948 · Machesney Park, IL 51 Gated 7
SCA shenangochinafcu.comNCUA 444 · New Castle, PA 67 No 8
CBI cbifcu.orgNCUA 15848 · Plainfield, IL 44 Gated 32
BHM Bank bhm.bankFDIC 35314 · Birmingham, Alabama 50 Gated 17
Teaneck teaneckfcu.comNCUA 2021 · Teaneck, NJ 57 Gated 32
Marshall T & P Employees no website on recordNCUA 5686 · Marshall, TX; no web address reported on the NCUA call report — 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