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 7,401–7,500 of 8,519 · page 75 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| BSE bsecu.orgNCUA 97078 · Cleveland, OH | 47 | Gated | 32 | |
| Farm Credit Employees fcefcu.comNCUA 22132 · Saint Paul, MN | 46 | Gated | 32 | |
| ILA 1351 ila1351fcu.comNCUA 17253 · La Porte, TX | 39 | Gated | 1 | |
| 1166 1166fcu.orgNCUA 1166 · Swedesboro, NJ | 68 | No | 32 | |
| Academic Employees academicecu.comNCUA 67695 · Columbia, MO | 47 | No | 1 | |
| Corpus Christi Postal Employees ccpecu.comNCUA 67963 · Corpus Christi, TX | 53 | No | 1 | |
| Martinsburg V.a. Center martinsburgfcu.comNCUA 22337 · Kearneysville, WV | 45 | No | 1 | |
| Midland Municipal Employees no website on recordNCUA 67475 · Midland, TX; no web address reported on the NCUA call report | — | No | — | |
| Ohio Teamsters ohioteamsterscu.comNCUA 61136 · Independence, OH | 52 | No | 1 | |
| Parthenon parthenonfcu.orgNCUA 4809 · Nashville, TN | 59 | No | 12 | |
| Caddo Parish Teachers cptfcu.orgNCUA 15589 · Shreveport, LA | 65 | No | 1 | |
| White County whitecountyfcu.orgNCUA 24428 · Searcy, AR | 38 | Gated | 22 | |
| Stationery stationerycreditunion.coNCUA 67801 · Saint Joseph, MO | 33 | Gated | 1 | |
| Enlighten enlightenfcu.orgNCUA 20662 · Jackson, TN | 62 | No | 13 | |
| Holy Family Parma holyfamilycreditunion.coNCUA 8944 · Parma, OH | 33 | Gated | 1 | |
| Fleur-DE-Lis fdlfcu.comNCUA 7376 · Metairie, LA | 54 | No | 28 | |
| Skyline skylinecreditunion.comNCUA 68100 · Nashville, TN | 53 | No | 7 | |
| Cowboy Country cowboycountry.virtualcu.NCUA 5935 · Premont, TX | 33 | Gated | 1 | |
| North Coast Credit Union nccuonline.comNCUA 95786 · Fairview Park, OH | 43 | Gated | 22 | |
| Mncppc fcu.mncppc.comNCUA 18948 · College Park, MD | 29 | Gated | 1 | |
| Division 819 Transit Employees div819cu.comNCUA 62855 · Irvington, NJ | 52 | Gated | 11 | |
| Kinzua kinzuafcu.comNCUA 11391 · Warren, PA | 45 | No | 1 | |
| Mobile Postal mobilepostalcu.comNCUA 62471 · Mobile, AL | 45 | No | 12 | |
| One South onesouthfcu.comNCUA 8840 · Natchez, MS | 60 | No | 8 | |
| Ambraw ambrawfcu.comNCUA 567 · Lawrenceville, IL | 62 | No | 13 | |
| Att-Wyo Correctional Employees attwyocefcu.comNCUA 884 · Attica, NY | 56 | Gated | 26 | |
| Hema hemafcu.orgNCUA 19514 · Silver Spring, MD | 62 | Gated | 1 | |
| Gorman-Rupp & Associates grohiocu.comNCUA 96719 · Mansfield, OH | 45 | No | 1 | |
| Berkeley Community berkcofcu.comNCUA 13472 · Moncks Corner, SC | 51 | Gated | 27 | |
| Spokane Media mediacreditunion.comNCUA 24451 · Spokane, WA | 40 | Gated | 32 | |
| Catholic Family catholicfamilycu.comNCUA 64762 · Kansas City, MO | 59 | No | 30 | |
| Dysart State Bank dysartstatebank.comFDIC 17441 · Dysart, Iowa | 50 | No | 6 | |
| Anmed anmedhealthfcu.comNCUA 21508 · Anderson, SC | 50 | Gated | 7 | |
| Long Island Alliance liafcu.orgNCUA 2782 · Hauppauge, NY | 45 | No | 32 | |
| Hill District hilldistrictfcu.orgNCUA 20354 · Pittsburgh, PA | 49 | No | 1 | |
| Palace City palacecitycu.orgNCUA 13103 · Mitchell, SD | 46 | Gated | 13 | |
| Varex varexfederalcu.netNCUA 24773 · Salt Lake City, UT | 56 | No | 1 | |
| Cm Members cmcreditunion.comNCUA 24881 · Columbus, MS | 57 | No | 19 | |
| Independence Teachers isdschools.orgNCUA 62620 · Independence, MO; the reported address pointed at a page, the site root is scanned | 56 | Gated | 32 | |
| Gallup gallupfcu.comNCUA 23292 · Omaha, NE | 65 | No | 14 | |
| Jefferson County Teachers jctcuonline.orgNCUA 67341 · Monticello, FL | 48 | No | 29 | |
| Patriot patriotcu.comNCUA 64856 · Saint Louis, MO | 45 | No | 1 | |
| Gateway gatewaycreditunion.comNCUA 68171 · Clarksville, TN | 59 | No | 18 | |
| Community Cu of New Milford, Inc. ccunm.orgNCUA 61261 · New Milford, CT | 33 | Gated | 1 | |
| Ottawa Hiway ottawahiwaycu.comNCUA 63213 · Ottawa, IL | 41 | No | 1 | |
| Tennessee River no website on recordNCUA 14333 · Counce, TN; no web address reported on the NCUA call report | — | No | — | |
| Clifty Creek Employees cliftycreekcu.comNCUA 12152 · Madison, IN | 48 | No | 10 | |
| Lithium lithiumfcu.orgNCUA 11409 · Bessemer City, NC | 61 | No | 14 | |
| K C K Firemen & Police no website on recordNCUA 66299 · Kansas City, KS; no web address reported on the NCUA call report | — | No | — | |
| The Wright thewrightcu.orgNCUA 67564 · Toccoa, GA | 28 | Gated | 1 | |
| Burlington Northtown Community bnccu.orgNCUA 62895 · North Kansas Ci, MO | 33 | Gated | 1 | |
| Everence Trust Company everence.comFDIC 57109 · Goshen, Indiana | 59 | No | 32 | |
| Alcose alcosecu.comNCUA 61926 · White Oak, PA | 51 | Gated | 23 | |
| Northwestern northwesternfcu.comNCUA 6949 · Bryan, OH | 56 | Gated | 28 | |
| Southernmost smfcu.netNCUA 9105 · Key West, FL | 46 | Gated | 28 | |
| Lakewood lakewoodcu.orgNCUA 66999 · Rib Lake, WI | 45 | Gated | 17 | |
| Cedar Hill National Bank no website on recordFDIC 34478 · Charlotte, North Carolina; no web address reported to the FDIC | — | No | — | |
| Your Best Credit Union yourbestcu.comNCUA 67757 · Nashville, TN | 45 | No | 1 | |
| Mid-Cities midcitiescu.orgNCUA 95073 · Compton, CA | 54 | No | 26 | |
| TCP tcpcu.orgNCUA 65384 · Rural Hall, NC | 46 | Gated | 12 | |
| St. Bernard Parish School Board Emp no website on recordNCUA 12944 · Chalmette, LA; no web address reported on the NCUA call report | — | No | — | |
| Wisconsin Medical wismedcu.orgNCUA 66625 · Green Bay, WI | 54 | Gated | 29 | |
| Seagoville seagovillefcu.comNCUA 6008 · Seagoville, TX | 52 | Gated | 31 | |
| Member Preferred memberpreferredfcu.comNCUA 577 · Fort Worth, TX | 32 | Gated | 32 | |
| Capital Area Realtors carfcu.orgNCUA 20543 · Rockville, MD | 57 | Gated | 32 | |
| Garden City Teachers gctcu.orgNCUA 7662 · Garden City, KS | 69 | No | 28 | |
| Reed reedcreditunion.comNCUA 67486 · Houston, TX | 55 | Gated | 20 | |
| Division #6 Highway d6hcu.comNCUA 64755 · Chesterfield, MO | 33 | Gated | 1 | |
| Barton Plant Employees bartonfcu.comNCUA 12292 · Luling, LA | 33 | Gated | 1 | |
| Greensboro Postal gsocu.orgNCUA 63445 · Greensboro, NC | 45 | Gated | 13 | |
| Northeast Alabama Postal neapfcu.comNCUA 11056 · Anniston, AL | 63 | No | 8 | |
| Harrison County harrisoncountyfcu.netNCUA 18254 · Nutter Fort, WV | 63 | No | 1 | |
| Puget Sound Refinery psrfcu.orgNCUA 9145 · Anacortes, WA | 59 | No | 32 | |
| Williamsport Teachers williamsportteacherscu.cNCUA 65211 · South Williamsp, PA | 33 | Gated | 1 | |
| Young Americans Bank yacenter.orgFDIC 27010 · Denver, Colorado | 58 | Gated | 32 | |
| Charleston cfcuwv.virtualcu.netNCUA 12922 · Charleston, WV | 52 | Gated | 24 | |
| Cape capecu.comNCUA 24841 · Clarksburg, WV | 51 | Gated | 28 | |
| Thrivent Trust Company thriventtrust.comFDIC 34799 · Appleton, Wisconsin | 33 | Gated | 1 | |
| The Way no website on recordNCUA 66066 · New Knoxville, OH; no web address reported on the NCUA call report | — | No | — | |
| Brockport brockportfcu.orgNCUA 20013 · Brockport, NY | 49 | Gated | 1 | |
| I.b.e.w. - Local No. 5 ibew5.virtualcu.netNCUA 21782 · Pittsburgh, PA | 46 | Gated | 20 | |
| Tippecanoe tippecanoefcu.comNCUA 8654 · Lafayette, IN | 66 | No | 9 | |
| Tulane/Loyola tulane-loyolafcu.comNCUA 23540 · New Orleans, LA | 62 | No | 1 | |
| Minuteman minutemanfcu.orgNCUA 14260 · Rapid City, SD | 45 | No | 14 | |
| Ampot ampotfcu.orgNCUA 19538 · Hamilton, MS | 50 | No | 10 | |
| Acme acmefcu.orgNCUA 3447 · Eastlake, OH | 45 | No | 1 | |
| Northeast Community necfcu.orgNCUA 23780 · San Francisco, CA | 47 | Gated | 19 | |
| River Town rivertownfcu.orgNCUA 24257 · Fort Smith, AR | 48 | No | 1 | |
| Augusta Health Care Credit Union ahccu.comNCUA 66933 · Fishersville, VA | 36 | No | 24 | |
| Walker County Educators walkercountyeducatorsfcuNCUA 20610 · Chickamauga, GA | 33 | Gated | 1 | |
| Presidents presidentsfcu.orgNCUA 24530 · Cleves, OH | 54 | No | 32 | |
| Grand Rivers Community Bank grandriverscommunitybank.comFDIC 10816 · Grand Chain, Illinois | 45 | Gated | 32 | |
| Scott Associates mysacu.comNCUA 63386 · Marysville, OH | 45 | No | 1 | |
| Blackhawk bfcu.netNCUA 21845 · Beaver Falls, PA | 61 | No | 13 | |
| Winslow Santa Fe wsfcu.netblockedNCUA 63627 · Winslow, AZ; not measured: HTTP 403 | — | No | — | |
| Virginia United Methodist tumcu.orgNCUA 62536 · North Chesterfi, VA | 47 | No | 32 | |
| National Employees nationalemployeesfcu.coNCUA 5713 · Bluefield, WV | 33 | Gated | 1 | |
| Profinance profinancefcu.comNCUA 2711 · Merrillville, IN | 41 | Gated | 20 | |
| Cen Tex Manufacturing centexmfgcu.orgNCUA 67602 · Brownwood, TX | 51 | No | 9 | |
| Mobile Government Emp. mobgecu.orgNCUA 61339 · Mobile, AL | 47 | Gated | 8 |
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