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 7,801–7,900 of 8,519 · page 79 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| The Equitable Savings and Loan Company equitablesavings.comFDIC 29966 · Cadiz, Ohio | 56 | Gated | 14 | |
| Quay Schools quayschoolsfcu.orgNCUA 14758 · Tucumcari, NM | 28 | Gated | 1 | |
| L. A. Mission lamissionfcu.orgNCUA 20720 · San Fernando, CA | 58 | No | 22 | |
| Boise Fire Department boisefirecu.comNCUA 82504 · Boise, ID | 38 | Gated | 17 | |
| Cta-74Th Street Depot 74thstdfcu.comNCUA 2498 · Chicago, IL | 48 | Gated | 11 | |
| VA Hospital vahospitalfcu.orgNCUA 24429 · Little Rock, AR | 67 | No | 1 | |
| One Thirteen 113creditunion.comNCUA 64340 · Colorado Spring, CO | 48 | No | 9 | |
| Community First mycommunityfirstcu.comNCUA 64746 · Hannibal, MO | 67 | No | 1 | |
| Kc Unidos kcunidosfcu.comNCUA 4531 · Kansas City, MO | 56 | No | 32 | |
| Sewerage & Water Board Employees swbfcu.comNCUA 2056 · New Orleans, LA | 55 | No | 32 | |
| Colfax Power Plant Employees colfaxpowerplant.comNCUA 3237 · Springdale, PA | 59 | Gated | 13 | |
| Fayette fayettefcu.netNCUA 12310 · Mount Hope, WV | 45 | No | 1 | |
| Alderson Fci no website on recordNCUA 10520 · Alderson, WV; no web address reported on the NCUA call report | — | No | — | |
| U.f.c.w. Local 23 ufcw23fcu.orgNCUA 21956 · Canonsburg, PA | 56 | No | 15 | |
| Tex Mex tmcu.comNCUA 67579 · Laredo, TX | 28 | Gated | 1 | |
| State Agencies stateagenciesfcu.comNCUA 8006 · Shreveport, LA | 47 | Gated | 5 | |
| Electric Machinery Employees emcu.orgNCUA 63988 · Minneapolis, MN | 50 | Gated | 7 | |
| U F C W Local 1776 1776creditunion.orgNCUA 15652 · Plymouth Meetin, PA | 57 | No | 24 | |
| Port of Hampton Roads Ila ilafcu.orgNCUA 22049 · Norfolk, VA | 51 | Gated | 1 | |
| Bcbst Employees bcbstecu.comNCUA 67738 · Chattanooga, TN | 44 | Gated | 9 | |
| Pontiac Dwight Prison Employs no website on recordNCUA 60299 · Pontiac, IL; no web address reported on the NCUA call report | — | No | — | |
| Crayola LLC Employees Credit Union crayolacu.comNCUA 24850 · Easton, PA | 33 | Gated | 1 | |
| Mamta mamtafcu.orgNCUA 2800 · Mamaroneck, NY | 59 | No | 6 | |
| Joliet Firefighters jolietffcu.comNCUA 65555 · Joliet, IL | 50 | Gated | 5 | |
| Stepping Stones Community sscreditunion.orgNCUA 24845 · Wilmington, DE | 44 | Gated | 32 | |
| L&n Employees mylncu.comNCUA 62356 · Birmingham, AL | 51 | Gated | 6 | |
| Summit Hampton Roads shrfcu.comNCUA 19973 · Norfolk, VA | 50 | No | 32 | |
| Linton no website on recordNCUA 9676 · Tonawanda, NY; no web address reported on the NCUA call report | — | No | — | |
| City of Clarksburg no website on recordNCUA 13426 · Clarksburg, WV; no web address reported on the NCUA call report | — | No | — | |
| BMO Harris Central National Association bmo.comFDIC 58216 · Roselle, Illinois | 33 | Gated | 1 | |
| Arkansas Education Association wwwaeacu.orgNCUA 23170 · Little Rock, AR | 33 | Gated | 1 | |
| Allegheny Central acefcu.orgNCUA 841 · Dunbar, PA | 41 | Gated | 11 | |
| Burlington Northern Santa Fe Railwy no website on recordNCUA 68180 · Cicero, IL; no web address reported on the NCUA call report | — | No | — | |
| Danvers Municipal dmfcreditunion.comNCUA 14191 · Danvers, MA | 51 | Gated | 7 | |
| Phb Employees phbfcu.comNCUA 6277 · Fairview, PA | 57 | No | 18 | |
| Erie City Employees wixsite.comNCUA 8913 · Erie, PA; the reported address pointed at a page, the site root is scanned | 54 | Gated | 1 | |
| Sister's Hospital Employees shefcu.orgNCUA 20279 · Buffalo, NY | 69 | No | 13 | |
| New Orleans Clerk & Checkers facebook.comNCUA 10515 · Metairie, LA; the reported address pointed at a page, the site root is scanned | 40 | Gated | 1 | |
| Team First teamfirstfcu.orgNCUA 14829 · Lancaster, PA | 54 | No | 1 | |
| Gallatin Steam Plant steamplantcu.orgNCUA 63868 · Gallatin, TN | 64 | No | 1 | |
| Penn South Cooperative pennsouthcreditunion.orNCUA 15459 · New York, NY | 33 | Gated | 1 | |
| Jersey City Police no website on recordNCUA 6944 · Jersey City, NJ; no web address reported on the NCUA call report | — | No | — | |
| Berkeley County Public Schools bcpsfcu.comNCUA 21499 · Martinsburg, WV | 48 | Gated | 24 | |
| Longshore longshorefcu.comNCUA 13857 · Hoquiam, WA | 53 | Gated | 32 | |
| Yoakum County no website on recordNCUA 6472 · Plains, TX; no web address reported on the NCUA call report | — | No | — | |
| Priority priorityfederal.usNCUA 18353 · Russellville, AR | 33 | Gated | 1 | |
| BEE beefcu.orgNCUA 9893 · Salisbury, MD | 45 | Gated | 22 | |
| Riverview myrcu.comNCUA 65448 · South Saint Pau, MN | 64 | No | 26 | |
| Port of Houston pohcu.comNCUA 60782 · Houston, TX | 54 | Gated | 16 | |
| Duluth Police Department Employees no website on recordNCUA 64359 · Duluth, MN; no web address reported on the NCUA call report | — | No | — | |
| Arcade arcadecu.comNCUA 62114 · Asheville, NC | 64 | No | 17 | |
| Champion championfcu.comNCUA 20570 · Cambridge, OH | 55 | Gated | 17 | |
| Lovers Lane no website on recordNCUA 64208 · Saint Joseph, MO; no web address reported on the NCUA call report | — | No | — | |
| MSD louisvillemsd.orgNCUA 20595 · Louisville, KY; the reported address pointed at a page, the site root is scanned | 54 | No | 32 | |
| Oak Cliff Christian occfcu.orgNCUA 24804 · Dallas, TX | 42 | Gated | 31 | |
| Pan Amoco panamocofcu.comNCUA 8920 · Metairie, LA | 49 | No | 1 | |
| St. Colman & Affiliates stcolmanaffiliatesfcu.coNCUA 3462 · Cleveland, OH | 33 | Gated | 1 | |
| Kahuku kahukufcu.comNCUA 2275 · Kahuku, HI | 47 | Gated | 7 | |
| URE urefcu.orgNCUA 986 · East Pittsburgh, PA | 48 | Gated | 6 | |
| Everest everestfcu.orgNCUA 24906 · Jackson Heights, NY | 51 | No | 18 | |
| Teamsters Local #238 teamsterslocal238cu.orgNCUA 65606 · Cedar Rapids, IA | 52 | No | 10 | |
| Deca no website on recordNCUA 64825 · Cincinnati, OH; no web address reported on the NCUA call report | — | No | — | |
| N G M Employees ngmcu.comNCUA 17793 · Keene, NH | 52 | Gated | 32 | |
| ACE no website on recordNCUA 64323 · Mason City, IA; no web address reported on the NCUA call report | — | No | — | |
| Duluth Fire Department no website on recordNCUA 60750 · Duluth, MN; no web address reported on the NCUA call report | — | No | — | |
| I.l.a. Local 1235 ila1235fcu.comNCUA 23807 · Springfield, NJ | 54 | Gated | 10 | |
| Wharton County Teachers wctcu.orgNCUA 67458 · Wharton, TX | 56 | Gated | 16 | |
| Passaic Police no website on recordNCUA 12227 · Passaic, NJ; no web address reported on the NCUA call report | — | No | — | |
| Post Gazette postgazettefcu.orgNCUA 90 · Pittsburgh, PA | 62 | No | 10 | |
| Fireman's no website on recordNCUA 64594 · Birmingham, AL; no web address reported on the NCUA call report | — | No | — | |
| Arkansas Farm Bureau afbfcu.virtualcu.netNCUA 24439 · Little Rock, AR | 52 | Gated | 17 | |
| Somerville Mass Firefighters no website on recordNCUA 943 · Somerville, MA; no web address reported on the NCUA call report | — | No | — | |
| S E A no website on recordNCUA 67149 · Richfield, UT; no web address reported on the NCUA call report | — | No | — | |
| Seminole Public Schools no website on recordNCUA 17154 · Seminole, TX; no web address reported on the NCUA call report | — | No | — | |
| City of Deer Park dpefcu.orgNCUA 16061 · Deer Park, TX | 44 | No | 18 | |
| Saker Shop Rite no website on recordNCUA 15370 · Holmdel, NJ; no web address reported on the NCUA call report | — | No | — | |
| Fort Dix ftdixfcu.comNCUA 15513 · Joint Base Mdl, NJ | 33 | Gated | 1 | |
| Madison Education Assoc. no website on recordNCUA 67630 · Madison, FL; no web address reported on the NCUA call report | — | No | — | |
| Brantwood brantwoodcu.comNCUA 67003 · Brantwood, WI | 66 | No | 8 | |
| New Jersey State Pba njspbafcu.orgNCUA 24958 · Woodbridge, NJ | 35 | Gated | 19 | |
| Medford Municipal Employees no website on recordNCUA 24615 · Medford, MA; no web address reported on the NCUA call report | — | No | — | |
| Par-Del Emp. creducomp.comNCUA 22723 · Wyoming, PA | 64 | No | 1 | |
| Public Service H C Employees no website on recordNCUA 9082 · Brick, NJ; no web address reported on the NCUA call report | — | No | — | |
| Fedco no website on recordNCUA 64397 · Jefferson City, MO; no web address reported on the NCUA call report | — | No | — | |
| Highway District 19 Employees no website on recordNCUA 60491 · Atlanta, TX; no web address reported on the NCUA call report | — | No | — | |
| Halifax County Community halifaxcu.orgNCUA 23760 · South Boston, VA | 50 | Gated | 6 | |
| Ocnac #1 ocnac.comNCUA 5987 · Jersey City, NJ | 57 | No | 6 | |
| The Florist thefloristfcu.orgNCUA 19567 · Roswell, NM | 59 | No | 1 | |
| Westacres no website on recordNCUA 62316 · West Bloomfield, MI; no web address reported on the NCUA call report | — | No | — | |
| Elizabeth (N.j.) Firemen's enjffcu.orgNCUA 916 · Elizabeth, NJ | 64 | No | 14 | |
| Memorial memorialcreditunion.comNCUA 63802 · Chattanooga, TN | 51 | Gated | 12 | |
| West Michigan Postal Service wmpsfcu.comNCUA 7910 · Muskegon, MI | 57 | No | 15 | |
| Generations United gufcu.orgNCUA 24947 · New York, NY | 37 | Gated | 32 | |
| Red Lake Co Op redlakecfcu.comNCUA 6144 · Red Lake Falls, MN | 52 | No | 9 | |
| Maine Media mainemedia.comNCUA 640 · Portland, ME | 56 | No | 1 | |
| Victoria City-County Employees vccefcu.orgNCUA 13672 · Victoria, TX | 57 | No | 7 | |
| Crouse Hinds Employees no website on recordNCUA 13938 · Syracuse, NY; no web address reported on the NCUA call report | — | No | — | |
| Box Butte Public Employees boxbuttefcu.comNCUA 4176 · Alliance, NE | 49 | Gated | 32 | |
| Orlex Government Employees orlex.comNCUA 64782 · Newport, VT | 66 | No | 1 | |
| U.a.l.u. 354 no website on recordNCUA 23174 · Youngwood, PA; 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