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 7,501–7,600 of 8,519 · page 76 of 86

SiteScore GatedPages read Report
L.a. Healthcare lahfcu.orgNCUA 16571 · Los Angeles, CA 62 Gated 32
Usne Penitentiary Employees usnepfcu.orgNCUA 287 · Lewisburg, PA 55 No 1
New Castle Bellco newcastlebellco.comNCUA 8903 · New Castle, PA 48 Gated 20
Romney romneyfcu.comNCUA 10301 · Romney, WV 52 Gated 30
Four Corners fourcornersfcu.orgNCUA 16754 · Kirtland, NM 65 No 24
Minot Area Schools masfcu.orgNCUA 8943 · Minot, ND 36 Gated 1
Laredo Fire Department laredofirecreditunion.coNCUA 12472 · Laredo, TX 33 Gated 1
Dunlop Employees no website on recordNCUA 7118 · Buffalo, NY; no web address reported on the NCUA call report — No —
Vermilion Employees vermilioncu.orgNCUA 61540 · Abbeville, LA 47 Gated 6
Transit Workers twfcu.orgNCUA 17885 · Philadelphia, PA 56 Gated 32
Memphis Municipal Employees mmefcu.orgNCUA 15433 · Memphis, TN 32 Gated 32
Dixie Line dixieline.orgNCUA 67937 · Nashville, TN 42 Gated 1
Alpine Community no website on recordNCUA 68010 · Alpine, TX; no web address reported on the NCUA call report — No —
Federal Employees Newark fenfcu.comNCUA 4894 · Newark, NJ 50 Gated 1
Electrical Workers No 22 ew22fcu.orgNCUA 10763 · Omaha, NE 51 No 32
Integris integrisfcu.orgNCUA 17218 · Oklahoma City, OK 43 Gated 2
Brown-Forman Employees bfecu.comNCUA 62482 · Louisville, KY 45 No 1
Connecticut Labor Dept ctlaborfcu.comNCUA 3544 · Wethersfield, CT 50 No 29
Greater Kinston greaterkcu.orgNCUA 64034 · Kinston, NC 70 No 32
Spojnia spojniacreditunion.orgNCUA 62998 · Scranton, PA 33 Gated 1
WES wescreditunion.comNCUA 61233 · Willoughby, OH 45 No 13
Wilmington Police & Fire wpffcu.orgNCUA 11347 · Wilmington, DE 51 No 1
United Association unitedassociationcu.orgNCUA 65155 · Concord, CA 43 Gated 10
Fort Peck Community fortpeckcu.comNCUA 8037 · Fort Peck, MT 33 Gated 1
South Charleston Employees no website on recordNCUA 16989 · South Charlesto, WV; no web address reported on the NCUA call report — No —
Hialeah Municipal Employees hialeahcu.orgNCUA 7534 · Hialeah, FL 38 No 5
Refugio County refugiocountyfcu.comNCUA 12365 · Refugio, TX 39 Gated 12
Northeast Nebraska nnfcu.comNCUA 14965 · Norfolk, NE 62 No 28
PATH pathfcu.orgNCUA 8118 · Jersey City, NJ 49 Gated 12
Faith Community United faithcommcu.comNCUA 96706 · Cleveland, OH 33 Gated 31
Cambridge Firefighters cambridgefirefcu.orgNCUA 1236 · Cambridge, MA 60 No 1
Friona Texas frionacu.comNCUA 9843 · Friona, TX 56 No 7
Putnam School Employees psewv.comNCUA 21107 · Eleanor, WV 54 Gated 19
Peoria Postal Employees ppecu.infoNCUA 60863 · Peoria, IL 48 No 8
Local 1233 local1233fcu.orgNCUA 20773 · Newark, NJ 31 Gated 24
Fargo VA fargovafcu.orgNCUA 288 · Fargo, ND 43 Gated 32
Latrobe latrobefcu.comNCUA 6689 · Latrobe, PA 45 No 1
Fasson Employees fassoncreditunion.comNCUA 13115 · Painesville, OH 50 No 1
Southern Coastal socofcu.orgNCUA 24885 · Biloxi, MS 61 No 14
N. Mississippi Health Services Emp. nmhs.netNCUA 23900 · Tupelo, MS; the reported address pointed at a page, the site root is scanned 61 No 32
St Joe Valley stjoevalleycu.comNCUA 97066 · St Maries, ID 62 No 11
Self Memorial Hospital selfmemorialfcu.netNCUA 17831 · Greenwood, SC 72 No 32
CCE ccefcu.netNCUA 24944 · Fargo, ND 51 No 3
Your Choice yourchoicefcu.comNCUA 11972 · Altoona, PA 57 Gated 31
Derry Area dafcu.comNCUA 6196 · Derry, PA 61 No 9
Cherokee County Teachers ccteachers.comNCUA 10269 · Rusk, TX 40 Gated 15
Greeneville City Employees' no website on recordNCUA 68127 · Greeneville, TN; no web address reported on the NCUA call report — No —
Public Service publicservicecu.orgNCUA 66461 · Wausau, WI 61 No 32
Peoples State Bank psbokonline.comFDIC 17138 · Blair, Oklahoma 47 Gated 8
Penntech Employees penntechfcu.comNCUA 13469 · Johnsonburg, PA 40 Gated 14
Pine Belt pinebeltfcu.orgNCUA 4799 · Hattiesburg, MS 33 Gated 1
Sevier County Schools scscreditunion.orgNCUA 23060 · Sevierville, TN 43 Gated 10
I B E W 175 ibew175fcu.comNCUA 14634 · Chattanooga, TN 45 No 1
Two Rivers tworiversfcu.comNCUA 20114 · Arkadelphia, AR 71 No 6
Central Texas Teachers cttcu.comNCUA 67425 · Corsicana, TX 48 No 1
Georgetown University Alumni and St guasfcu.comNCUA 23979 · Washington, DC 56 No 11
Niagara Falls Teachers nftfcu.orgNCUA 98 · Niagara Falls, NY 58 No 11
Local 24 Employees local24efcu.comNCUA 14656 · Pasadena, TX 53 Gated 22
P C pcfederalcu.orgNCUA 10704 · Port Allegany, PA 48 No 32
Oneida County oneidacfcu.orgNCUA 13102 · Utica, NY 40 Gated 14
Acadiana Medical myamfcu.comNCUA 19249 · Lafayette, LA 48 Gated 26
Marblehead Municipal marbleheadcu.comNCUA 23276 · Marblehead, MA 63 No 8
Wayne County waynecountyfcu.orgNCUA 14449 · Richmond, IN 54 No 32
P S E no website on recordNCUA 12175 · Somerset, NJ; no web address reported on the NCUA call report — No —
Teamsters mnteamsterscu.comNCUA 61824 · Blaine, MN 54 No 32
Blaw-Knox bkcu.netNCUA 60302 · Mattoon, IL 48 No 1
Dow Bucks County dowbucksfcu.comNCUA 6150 · Bristol, PA 54 Gated 32
Mower County Employees mowercountyecu.orgNCUA 64518 · Austin, MN 57 No 5
Afgm Enterprises afgmentfcu.comNCUA 15618 · Cheektowaga, NY 52 Gated 30
Quaker Oats quakeroatscu.comNCUA 64991 · Cedar Rapids, IA 64 Gated 32
Service service-cu.comNCUA 66530 · Green Bay, WI 61 No 32
Atchison Village atchisonvillagecu.orgNCUA 63630 · Richmond, CA 57 No 13
Scurry County School scurrycountyschoolfcu.coNCUA 10551 · Snyder, TX 33 Gated 1
Morris Sheppard Texarkana morrissheppardfcu.orgNCUA 1 · Texarkana, TX 59 No 7
United Hospital Center uhcfcu.virtualcu.netNCUA 12673 · Bridgeport, WV 52 Gated 23
Davidson Trust Co. no website on recordFDIC 35510 · Great Falls, Montana; no web address reported to the FDIC — No —
Valdosta Teachers valdostateachersfcu.orgNCUA 12290 · Valdosta, GA 53 No 31
Reading Berks School Employees rbsecu.comNCUA 60392 · Reading, PA 47 No 7
Scranton Downtown scrantondtfcu.comNCUA 15591 · Scranton, PA 67 No 4
Fort Smith Teachers no website on recordNCUA 1248 · Fort Smith, AR; no web address reported on the NCUA call report — No —
Public Service Plaza psplazafcu.comNCUA 8993 · Newark, NJ 33 Gated 1
Mississippi Highway Safty Pat mhspfcu.comNCUA 16327 · Jackson, MS 59 No 21
EWA ewafcu.comNCUA 1987 · Ewa Beach, HI 44 Gated 6
Fedmont fedmontfcu.comNCUA 14026 · Montgomery, AL 50 Gated 32
The Walton State Bank waltonstatebank.comblockedFDIC 17982 · Walton, Kansas; not measured: HTTP 403 (CloudFront) — No —
Virginia State University vsufcu.orgNCUA 3029 · South Chesterfi, VA 57 No 30
Greece Community greecefcu.comNCUA 24274 · Rochester, NY 52 Gated 14
Swemp swempfcu.orgNCUA 5325 · Texarkana, TX 55 No 10
Bluegrass Community bluegrasscreditunion.comNCUA 12648 · Ashland, KY 28 Gated 1
Northern Lights Community nlightsfcu.comNCUA 5272 · Chatham, MI 48 Gated 25
Transfiguration Parish transfigurationfcu.orgNCUA 15067 · Brooklyn, NY 51 Gated 1
Angelina County Teachers actcu.netNCUA 67440 · Lufkin, TX 45 No 1
Local Union 1186 Ibew no website on recordNCUA 10882 · Honolulu, HI; no web address reported on the NCUA call report — No —
Springfield City Employees scecu.orgNCUA 65424 · Springfield, IL 57 Gated 13
Metropolitan Church no website on recordNCUA 5970 · Suffolk, VA; no web address reported on the NCUA call report — No —
Financial Partners fpcu.netNCUA 60545 · Springfield, IL 50 Gated 32
Central Vermont Medical Center,Inc. cvmccu.orgNCUA 65090 · Barre, VT 43 Gated 31
Rapides General Hospital Empl rghefcu.comNCUA 8074 · Alexandria, LA 41 Gated 1
Capital Area Taiwanese no website on recordNCUA 22652 · Rockville, MD; no web address reported on the NCUA call report — No —
Connecticut Postal no website on recordNCUA 3683 · New Britain, CT; 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