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 7,701–7,800 of 8,519 · page 78 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Metro Realtors mrfcu.comNCUA 20857 · Melville, NY | 47 | Gated | 32 | |
| Waterbury Postal Employees waterburypostalfcu.orgNCUA 3337 · Waterbury, CT | 65 | No | 1 | |
| Chicago's Bravest chicagosbravestcu.comNCUA 61560 · Chicago, IL | 55 | No | 10 | |
| Kankakee Federation of Teachers kftcu.comNCUA 60198 · Kankakee, IL | 52 | No | 1 | |
| Healthplus healthplusfcu.orgNCUA 5930 · Jackson, MS | 43 | Gated | 17 | |
| A.B. abfederalcu.comNCUA 14879 · Duncansville, PA | 55 | No | 7 | |
| Mississippi Dhs msdhsfcu.comNCUA 8052 · Jackson, MS | 49 | Gated | 19 | |
| Correctional Workers cw-fcu.comNCUA 1113 · El Reno, OK | 56 | Gated | 13 | |
| ILA 28 no website on recordNCUA 19983 · Pasadena, TX; no web address reported on the NCUA call report | — | No | — | |
| Opp-Micolas no website on recordNCUA 62486 · Opp, AL; no web address reported on the NCUA call report | — | No | — | |
| Missouri Baptist mobaptistcu.orgNCUA 64718 · Jefferson City, MO | 43 | Gated | 13 | |
| Cvph Employees cvphemployeesfcu.comNCUA 22195 · Plattsburgh, NY | 42 | Gated | 32 | |
| United Members unitedmembersfcu.comNCUA 9248 · Tulsa, OK | 44 | No | 1 | |
| L. E. O. leocu.orgNCUA 66329 · Painesville, OH | 59 | No | 1 | |
| North Western Employees nwecu.orgNCUA 64282 · Council Bluffs, IA | 35 | Gated | 32 | |
| Cn/Ic Employees cnicecu.netNCUA 68069 · Memphis, TN | 54 | Gated | 1 | |
| Arbuckle arbucklefcu.comNCUA 24843 · Ada, OK | 63 | No | 32 | |
| C U P cupfcu.comNCUA 13833 · Provo, UT | 45 | No | 1 | |
| Hoboken N J Police no website on recordNCUA 9075 · Hoboken, NJ; no web address reported on the NCUA call report | — | No | — | |
| Emerald Credit Association emeraldcu.comNCUA 19047 · Greenwood, SC | 45 | Gated | 24 | |
| Colquitt County Teacher colquittcountyteachersfNCUA 11996 · Moultrie, GA | 33 | Gated | 1 | |
| Guco gucocreditunion.orgNCUA 62985 · Greenville, NC | 43 | Gated | 23 | |
| New Haven Teachers no website on recordNCUA 19 · New Haven, CT; no web address reported on the NCUA call report | — | No | — | |
| Cambridge Municipal Employees cambridgefcu.comblockedNCUA 3056 · Cambridge, MA; not measured: HTTP 403 | — | No | — | |
| Anco Community americannickeloidemployeNCUA 60184 · La Salle, IL | 33 | Gated | 1 | |
| Cochran County Schools cochrancountyschoolsfcu.NCUA 14166 · Morton, TX | 33 | Gated | 1 | |
| Maryvale Schools maryvaleschoolsfcu.comNCUA 11550 · Cheektowaga, NY | 58 | No | 6 | |
| Redlands City Employees redlandsfcu.orgNCUA 9778 · Redlands, CA | 40 | Gated | 12 | |
| Local No. 317 I.a.f.f. no website on recordNCUA 68113 · Charleston, WV; no web address reported on the NCUA call report | — | No | — | |
| Morton mortonfedcu.comNCUA 24511 · Taunton, MA | 57 | Gated | 25 | |
| VA Beach Postal vbpfcu.orgNCUA 15536 · Virginia Beach, VA | 51 | Gated | 1 | |
| Cooperative Employees cecuok.comNCUA 62502 · Anadarko, OK | 52 | Gated | 13 | |
| Erie Firefighters eriefirefightersfcu.comNCUA 8625 · Erie, PA | 55 | Gated | 31 | |
| Hemingford Community hemingfordcreditunion.coNCUA 7210 · Hemingford, NE | 33 | Gated | 1 | |
| P.s.e. & G. Nuclear Employees psegnuclearcreditunion.cNCUA 24226 · Hancocks Bridge, NJ | 33 | Gated | 1 | |
| Evergreen Park Schools epsfcu.orgNCUA 24547 · Evergreen Park, IL | 56 | Gated | 32 | |
| J.C.T. jacksoncountyteachers.coNCUA 20581 · Edna, TX | 33 | Gated | 1 | |
| Bloomfield Fire and Police bfpfcu.comNCUA 7069 · Bloomfield, NJ | 33 | Gated | 1 | |
| Fannin County Teachers fanninteachersfcu.comNCUA 19741 · Bonham, TX | 55 | Gated | 17 | |
| Marion County School Employees schoolcu.virtualcu.netNCUA 22428 · Fairmont, WV | 46 | Gated | 23 | |
| East Orange Firemens eoffcu.comNCUA 11014 · Bloomfield, NJ | 44 | No | 1 | |
| Lincoln S.d.a. lincolnsdacu.orgNCUA 65561 · Lincoln, NE | 57 | No | 32 | |
| Arkansas Health Center ahcfcu.comNCUA 8987 · Benton, AR | 50 | Gated | 1 | |
| Arlington Municipal arlfcu.orgNCUA 9805 · Arlington, MA | 45 | No | 1 | |
| Midway midwayfcu.orgNCUA 14408 · Berryville, VA | 59 | No | 2 | |
| Deer Lodge County School Emp no website on recordNCUA 10857 · Anaconda, MT; no web address reported on the NCUA call report | — | No | — | |
| Birmingham City bhamcu.orgNCUA 64528 · Birmingham, AL | 52 | Gated | 19 | |
| Watertown Municipal watertownmcu.comNCUA 67615 · Watertown, MA | 44 | No | 15 | |
| Solon/Chagrin Falls soloncu.comNCUA 15451 · Solon, OH | 52 | Gated | 22 | |
| A T & T Employees Pittsburgh attpghfcu.comNCUA 200 · Pittsburgh, PA | 49 | Gated | 16 | |
| Regional Members rmfcu.orgNCUA 376 · Columbus, GA | 45 | No | 1 | |
| Seneca Nation of Indians snifcu.orgNCUA 24863 · Irving, NY | 47 | Gated | 14 | |
| Neiman Marcus Group Employees neimanmarcusfcu.comNCUA 6304 · Dallas, TX | 46 | Gated | 10 | |
| Allvac Savings And allvaccu.comNCUA 60660 · Monroe, NC | 62 | Gated | 10 | |
| Sarco sarcofcu.orgNCUA 1669 · Bethlehem, PA | 70 | No | 20 | |
| Sweetex no website on recordNCUA 67520 · Longview, TX; no web address reported on the NCUA call report | — | No | — | |
| Chicago Area Office chicagoareafcu.orgNCUA 5045 · Chicago, IL | 45 | No | 1 | |
| PUD pudfcu.comNCUA 4509 · Longview, WA | 54 | No | 1 | |
| Victoria victoriafcu.orgNCUA 3736 · Victoria, TX | 62 | No | 4 | |
| Local 20 Ibew local20ibewfcu.comNCUA 16429 · Grand Prairie, TX | 48 | No | 1 | |
| Plattsburgh City School District plattscsdfcu.orgNCUA 12873 · Plattsburgh, NY | 55 | No | 12 | |
| Bayonne School Employees no website on recordNCUA 2641 · Bayonne, NJ; no web address reported on the NCUA call report | — | No | — | |
| Treasury Employees no website on recordNCUA 5780 · Jackson, MS; no web address reported on the NCUA call report | — | No | — | |
| U-1St Community u1stcommfcu.netNCUA 10580 · Carlsbad, NM | 56 | Gated | 31 | |
| Regional Medical Center Hopkins Co Emp rmcefcu.virtualcu.netNCUA 21126 · Madisonville, KY | 46 | Gated | 17 | |
| State Bank of Burrton statebankofburrtononline.comFDIC 16583 · Burrton, Kansas | 55 | No | 1 | |
| Metropolitan "L" metlfcu.comNCUA 2370 · Oak Park, IL | 45 | Gated | 30 | |
| Dedham Town Employees dedhamcu.orgNCUA 15073 · Dedham, MA | 40 | Gated | 2 | |
| Alexandria Schools Employees alexcreditunion.orgNCUA 64304 · Alexandria, MN | 64 | No | 11 | |
| Kenosha Police and Firemen's no website on recordNCUA 66410 · Kenosha, WI; no web address reported on the NCUA call report | — | No | — | |
| Greater Waterbury Healthcare gwhfcu.comNCUA 10865 · Waterbury, CT | 54 | No | 12 | |
| E M O T no website on recordNCUA 9457 · Abilene, TX; no web address reported on the NCUA call report | — | No | — | |
| Industrial Employees industrialemployeescu.cNCUA 65242 · Centerville, IA | 33 | Gated | 1 | |
| Woodmen woodmenfcu.orgNCUA 16 · Omaha, NE | 46 | No | 32 | |
| South Central Missouri creditunionmo.comNCUA 64222 · Willow Springs, MO | 63 | No | 32 | |
| Cumberland Municipal Employees cumberlandcu.orgNCUA 24486 · Cumberland, RI | 29 | Gated | 1 | |
| Louisiana Central louisianacentral.orgNCUA 61724 · Harahan, LA | 49 | No | 4 | |
| Port Terminal portterminalfcu.orgNCUA 14512 · Houston, TX | 65 | No | 24 | |
| Rock Community rockcommfcu.comNCUA 21020 · Rock, MI | 50 | Gated | 1 | |
| Jackson County jacksoncountyfcu.comNCUA 10324 · Edna, TX | 59 | Gated | 17 | |
| Marvel City marvelcityfcu.comNCUA 12837 · Bessemer, AL | 40 | Gated | 32 | |
| District 08 district08fcu.orgNCUA 14651 · Alexandria, LA | 58 | No | 18 | |
| Rio Blanco Schools rioblancoschoolsfcu.orgNCUA 13161 · Rangely, CO | 65 | No | 22 | |
| Finans finansfcu.orgNCUA 1457 · Hammond, IN | 56 | No | 1 | |
| Iberville ibervillefcu.orgNCUA 12356 · Plaquemine, LA | 43 | Gated | 32 | |
| Hmc (Nj) hmcfederalcreditunion.orNCUA 23052 · Flemington, NJ | 33 | Gated | 1 | |
| Greater Cleveland Community greaterclevcu.comNCUA 66860 · Cleveland, OH | 61 | No | 31 | |
| Delta deltacu.virtual.cu.netNCUA 24893 · Greenville, MS | 33 | Gated | 1 | |
| Combined combinedfcu.orgNCUA 18474 · Hot Springs, AR | 51 | No | 21 | |
| F.c.i. Ashland no website on recordNCUA 4366 · Ashland, KY; no web address reported on the NCUA call report | — | No | — | |
| Natural State naturalstatefcu.netNCUA 24432 · Searcy, AR | 53 | Gated | 32 | |
| New Jersey Community newjerseycommunityfcu.coNCUA 9555 · Moorestown, NJ | 33 | Gated | 1 | |
| Lowell Municipal Employees lmefcu.netNCUA 2065 · Lowell, MA | 50 | No | 31 | |
| Mosaic mosaicfcu.orgNCUA 24281 · Harrisonburg, VA | 58 | No | 19 | |
| Alamo City alamocitycu.comNCUA 61267 · San Antonio, TX | 32 | Gated | 26 | |
| Division 726 div726fcu.comNCUA 20336 · Staten Island, NY | 40 | Gated | 28 | |
| Shreveport Police no website on recordNCUA 6048 · Shreveport, LA; no web address reported on the NCUA call report | — | No | — | |
| St. Joseph Teachers' sjtcreditunion.comNCUA 67708 · Saint Joseph, MO | 58 | Gated | 18 | |
| Pace pacefederal.comNCUA 11323 · Huntington, WV | 50 | Gated | 1 | |
| First Pace firstpacecu.comNCUA 64089 · West St Paul, MN | 49 | Gated | 26 |
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