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 7,601–7,700 of 8,519 · page 77 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Crossroads crossroadscreditunion.coNCUA 68557 · Goessel, KS | 33 | Gated | 1 | |
| Alaska Dist Engineers adefcu.orgNCUA 6237 · Jber, AK | 43 | No | 13 | |
| Knox Co. Employees knoxcountyecu.comNCUA 67793 · Knoxville, TN | 44 | No | 1 | |
| Coastal Bend P O no website on recordNCUA 11164 · Victoria, TX; no web address reported on the NCUA call report | — | No | — | |
| Mercy mercyfcu.orgNCUA 22362 · Savannah, GA | 60 | No | 1 | |
| Muskegon St Joseph no website on recordNCUA 8141 · Muskegon, MI; no web address reported on the NCUA call report | — | No | — | |
| Kraftcor kraftcorfcu.orgNCUA 20891 · Hawesville, KY | 49 | Gated | 26 | |
| Pasadena Municipal no website on recordNCUA 9246 · Pasadena, TX; no web address reported on the NCUA call report | — | No | — | |
| Employees United employeesunited.orgNCUA 21904 · Paris, TX | 51 | No | 13 | |
| McAlester Aap mcaapfcu.comNCUA 5531 · Mcalester, OK | 43 | Gated | 30 | |
| Wabellco wabfcu.orgNCUA 10047 · Washington, PA | 39 | Gated | 32 | |
| Metropolitan Services mymscu.orgNCUA 64999 · Saint Paul, MN | 49 | Gated | 32 | |
| Dertown School dertownschoolfcu.comNCUA 10141 · Latrobe, PA | 51 | Gated | 15 | |
| Morrow County morrowcountyfcu.comNCUA 21606 · Mount Gilead, OH | 53 | Gated | 5 | |
| A H E Plant 3 aheplant3fcu.comNCUA 17339 · Winchester, IN | 65 | No | 1 | |
| Internal Revenue Employees irefcuncsc.comNCUA 3685 · Greensboro, NC | 33 | Gated | 1 | |
| Generations laportegenerationsfederNCUA 23156 · La Porte, IN | 33 | Gated | 1 | |
| Doe Run doerunfcu.comNCUA 23376 · Brandenburg, KY | 33 | Gated | 1 | |
| 1St Kansas 1stkansascu.comNCUA 63217 · Topeka, KS | 33 | Gated | 1 | |
| Biloxi Teachers biloxischools.netNCUA 16699 · Biloxi, MS; the reported address pointed at a page, the site root is scanned | 46 | Gated | 32 | |
| Tompkins Employees tefcu.comNCUA 22962 · Ithaca, NY | 40 | Gated | 2 | |
| Ytr Community yorkvillefcu.orgNCUA 17550 · Tiltonsville, OH | 51 | Gated | 15 | |
| Wakefern wakefernfcu.orgNCUA 15016 · Elizabeth, NJ | 54 | No | 13 | |
| Espeeco espeeco.orgNCUA 9590 · Bakersfield, CA | 43 | Gated | 23 | |
| North Carolina Press Association ncpafcu.orgNCUA 24140 · Raleigh, NC | 68 | No | 32 | |
| Natrium Employees natriumefcu.comNCUA 24090 · Proctor, WV | 45 | No | 1 | |
| Snake River snakeriverfcu.comNCUA 8749 · Twin Falls, ID | 45 | No | 1 | |
| Pennsylvania-American Water pawfcu.comNCUA 21556 · Bethel Park, PA | 33 | Gated | 1 | |
| Willow Island wifcu.comNCUA 8474 · Saint Marys, WV | 44 | No | 1 | |
| Vicksburg Railroad vrcums.comNCUA 24892 · Vicksburg, MS | 44 | No | 1 | |
| Tennessee Department of Safety tdoscu.comNCUA 67971 · Nashville, TN | 52 | No | 7 | |
| Directors Choice directorschoicecu.comNCUA 68420 · Albany, NY | 50 | Gated | 20 | |
| Provident providentfcu.comNCUA 16364 · Dover, DE | 73 | No | 21 | |
| Erie Lackawanna Railroad Co Emp no website on recordNCUA 4158 · Hoboken, NJ; no web address reported on the NCUA call report | — | No | — | |
| Pittsburgh pittsburghfcu.orgNCUA 422 · Pittsburgh, PA | 33 | Gated | 1 | |
| Ben E Keith Company Employees bekefcu.orgblockedNCUA 514 · Fort Worth, TX; not measured: HTTP 403 | — | No | — | |
| Livingston Parish lpfcu.orgNCUA 19295 · Denham Springs, LA | 58 | No | 24 | |
| P.I.E. piecu.orgNCUA 66582 · Houston, TX | 45 | No | 1 | |
| Clairton Works clairtonworksfcu.comNCUA 1646 · Clairton, PA | 54 | Gated | 32 | |
| Central Nebraska cnfcu.comNCUA 24189 · Grand Island, NE | 48 | No | 1 | |
| Gesb Sheet Metal Workers gesbfcu.orgNCUA 13974 · Portage, IN | 52 | No | 24 | |
| Peoples Transport peoplestransportfcu.comNCUA 12956 · Mount Ephraim, NJ | 73 | No | 1 | |
| Internationalites internationalites.comNCUA 7027 · Carlsbad, NM | 58 | Gated | 32 | |
| Topeka Firemen's tfcu9.orgNCUA 63042 · Topeka, KS | 56 | Gated | 1 | |
| Northampton Area School Dist. Emps nasdecu.comNCUA 24911 · Northampton, PA | 64 | No | 7 | |
| Jersey City Firemen no website on recordNCUA 6700 · Jersey City, NJ; no web address reported on the NCUA call report | — | No | — | |
| Lynn Police no website on recordNCUA 67840 · Lynn, MA; no web address reported on the NCUA call report | — | No | — | |
| EM emfederalcreditunion.orNCUA 7715 · Mesa, AZ | 33 | Gated | 1 | |
| First Unity no website on recordNCUA 24859 · Mccomb, MS; no web address reported on the NCUA call report | — | No | — | |
| Sorg Bay West sorgbaywest.comNCUA 6772 · Middletown, OH | 55 | No | 14 | |
| Local 50 Plumbers & Steamftrs no website on recordNCUA 19723 · Northwood, OH; no web address reported on the NCUA call report | — | No | — | |
| Austin City Employees austincityecu.orgNCUA 64186 · Austin, MN | 49 | No | 9 | |
| Cha-Tel chatelfcu.comNCUA 15935 · Charleston, WV | 50 | Gated | 6 | |
| I.b.e.w. Lu 66 mycu66.orgNCUA 20469 · Pasadena, TX | 59 | Gated | 32 | |
| Reeves County Teachers rctcu.comNCUA 61532 · Pecos, TX | 74 | No | 5 | |
| Vickswood vickswoodcu.comNCUA 24876 · Vicksburg, MS | 63 | No | 18 | |
| Circuit circuitfcu.comNCUA 12912 · Cheektowaga, NY | 57 | Gated | 31 | |
| Stitch Bank, Inc. libertybankofutah.comFDIC 26816 · Salt Lake City, Utah | 60 | No | 6 | |
| Brownfield brownfieldfcu.comNCUA 13873 · Brownfield, TX | 51 | No | 5 | |
| K.c. Area kcareacu.comNCUA 64939 · Kansas City, MO | 52 | No | 32 | |
| Bradford Area bradfordareafcu.orgNCUA 13823 · Bradford, PA | 53 | No | 32 | |
| PBA pbafcu.comNCUA 11045 · Pine Bluff, AR | 66 | No | 13 | |
| Maternity B.v.m. mbvmcu.comNCUA 60212 · Bourbonnais, IL | 52 | Gated | 27 | |
| T & P Longview no website on recordNCUA 6687 · Longview, TX; no web address reported on the NCUA call report | — | No | — | |
| Middletown Area Schools mascu.comNCUA 62877 · Middletown, OH | 38 | Gated | 13 | |
| Paris Hi-Way no website on recordNCUA 64242 · Paris, IL; no web address reported on the NCUA call report | — | No | — | |
| Whitewater Community whitewaterccu.orgNCUA 61760 · Harrison, OH | 62 | No | 28 | |
| The Catholic cucatholic.comNCUA 63177 · Avon Lake, OH | 60 | No | 7 | |
| Tuskegee tuskegeefcu.comNCUA 2791 · Tuskegee, AL | 56 | No | 28 | |
| Met Tran mettranfcu.orgNCUA 24324 · Houston, TX | 56 | Gated | 17 | |
| Baker Hughes bhfcu.orgNCUA 16271 · Houston, TX | 33 | Gated | 1 | |
| Goya Foods Employees no website on recordNCUA 23678 · Jersey City, NJ; no web address reported on the NCUA call report | — | No | — | |
| Northwest Missouri Regional nwmrcu.orgNCUA 62611 · Maryville, MO | 66 | No | 32 | |
| 1St Bergen 1stbergen.comNCUA 24810 · Hackensack, NJ | 67 | No | 22 | |
| Lake Superior lscu.virtualcu.netNCUA 65085 · Ontonagon, MI | 46 | Gated | 32 | |
| Prescott prescottfcu.orgNCUA 2460 · Prescott, AZ | 65 | No | 26 | |
| Williamsville williamsvillefcu.comNCUA 8618 · Amherst, NY | 52 | Gated | 32 | |
| Dacotah dacotahfcu.comNCUA 7021 · Rapid City, SD | 53 | No | 32 | |
| 3Rd District Highway no website on recordNCUA 14226 · Lafayette, LA; no web address reported on the NCUA call report | — | No | — | |
| Joliet Municipal Employees jolietmunicipal.comNCUA 16437 · Joliet, IL | 55 | Gated | 6 | |
| Star Tech star-techfcu.comNCUA 3182 · Greenwood Villa, CO | 47 | Gated | 32 | |
| Hale County Teachers no website on recordNCUA 15297 · Plainview, TX; no web address reported on the NCUA call report | — | No | — | |
| South Shop southshopfcu.orgNCUA 2682 · Alsip, IL | 45 | No | 9 | |
| Comunidad Latina clfcu.orgNCUA 24776 · Santa Ana, CA | 39 | Gated | 25 | |
| Sing Sing Employees singsingfcu.orgNCUA 4441 · Briarcliff Mano, NY | 33 | Gated | 1 | |
| Vatat vatatcu.orgNCUA 67661 · Austin, TX | 58 | No | 23 | |
| Burlington Municipal Employees burlingtonmefcu.comNCUA 14865 · Burlington, MA | 33 | Gated | 1 | |
| Texarkana Terminal Employees texarkanaterminalfcu.comNCUA 5822 · Texarkana, TX | 28 | Gated | 1 | |
| I B E W Local 56 ibew56fcu.orgNCUA 14247 · Erie, PA | 53 | No | 23 | |
| Members Connect fdufcu.orgNCUA 16584 · Madison, NJ | 48 | No | 1 | |
| ASA asafcu.comNCUA 21190 · Bloomfield, CT | 65 | No | 24 | |
| Cmc-Fcpi Employees cmcfcpi.comNCUA 22174 · Scranton, PA | 52 | No | 18 | |
| Allegheny Valley alleghenyvalleyfcu.comNCUA 4756 · Pittsburgh, PA | 33 | Gated | 1 | |
| San Francisco Lee no website on recordNCUA 16547 · San Francisco, CA; no web address reported on the NCUA call report | — | No | — | |
| Funeral Service fscunet.orgNCUA 66253 · Springfield, IL | 38 | Gated | 22 | |
| Methodist Hospital Employees mhcu.netNCUA 7731 · Dallas, TX | 52 | Gated | 8 | |
| Mount Olive Baptist Church mobcfcu.comNCUA 24605 · Arlington, TX | 46 | No | 31 | |
| Pampa Teachers ptfcu-tx.comblockedNCUA 2046 · Pampa, TX; not measured: HTTP 403 | — | No | — | |
| Blue Flame blueflamecreditunion.orNCUA 64644 · Mobile, AL | 33 | Gated | 1 | |
| Richmond Heritage richheritage.orgNCUA 1282 · Richmond, VA | 43 | Gated | 32 |
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