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 7,901–8,000 of 8,519 · page 80 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Linden Nj Police & Firemen no website on recordNCUA 2617 · Linden, NJ; no web address reported on the NCUA call report | — | No | — | |
| Compassionate Care compassionatecarecu.orgNCUA 66755 · Fond Du Lac, WI | 53 | Gated | 21 | |
| Alexandria T & P no website on recordNCUA 7473 · Alexandria, LA; no web address reported on the NCUA call report | — | No | — | |
| Back Mountain backmtnfcu.comunreachableNCUA 21458 · Shavertown, PA | — | No | — | |
| Fort Roots fortrootsfcu.comNCUA 24430 · North Little Ro, AR | 45 | No | 1 | |
| Concord concordfcu.orgNCUA 7504 · Brooklyn, NY | 57 | No | 1 | |
| Union County Employees unioncountycreditunion.cNCUA 14329 · Elizabeth, NJ | 33 | Gated | 1 | |
| Brownsville City Employees no website on recordNCUA 20392 · Brownsville, TX; no web address reported on the NCUA call report | — | No | — | |
| Northeast Mississippi no website on recordNCUA 16449 · Amory, MS; no web address reported on the NCUA call report | — | No | — | |
| Galveston Government Employees ggecu.comNCUA 67427 · Dickinson, TX | 61 | Gated | 31 | |
| Shaw-Ross Employees no website on recordNCUA 67327 · Miami, FL; no web address reported on the NCUA call report | — | No | — | |
| Florida Customs flcustomsfcu.orgNCUA 378 · Tampa, FL | 58 | No | 1 | |
| C-F LA. cflacu.comNCUA 63851 · Donaldsonville, LA | 43 | Gated | 3 | |
| Du Pont Employees no website on recordNCUA 62429 · Fort Madison, IA; no web address reported on the NCUA call report | — | No | — | |
| Kc Fairfax kcffcu.comNCUA 5589 · Kansas City, KS | 47 | No | 22 | |
| Ukrainian Selfreliance of West. PA. samopomich.comNCUA 21530 · Carnegie, PA | 28 | Gated | 1 | |
| Peoples Choice mypccu.comNCUA 60039 · Coffeyville, KS | 33 | Gated | 1 | |
| Episcopal Community episcopalcredit.orgNCUA 24506 · Los Angeles, CA | 64 | No | 16 | |
| Mower County Catholic Parishes mccpcu.comNCUA 63258 · Austin, MN | 49 | No | 7 | |
| Andrews School no website on recordNCUA 10739 · Andrews, TX; no web address reported on the NCUA call report | — | No | — | |
| State Employees Community stateemployeescu.virtualNCUA 65259 · Alton, IL | 33 | Gated | 1 | |
| Church of God cogcu.orgNCUA 68124 · Cleveland, TN | 51 | Gated | 32 | |
| Sherwin sherwinfcu.orgNCUA 12259 · Portland, TX | 42 | Gated | 1 | |
| District 62 Highway no website on recordNCUA 14375 · Hammond, LA; no web address reported on the NCUA call report | — | No | — | |
| Twin Oaks twinoaksfcu.comNCUA 22681 · Apple Grove, WV | 49 | No | 2 | |
| Grand Central Terminal Employees no website on recordNCUA 1059 · New York, NY; no web address reported on the NCUA call report | — | No | — | |
| Sweetwater Regional sweetwatercredit.comNCUA 11377 · Sweetwater, TX | 56 | Gated | 7 | |
| Peoria Hiway peoriahiwaycu.comNCUA 61232 · Peoria, IL | 55 | No | 11 | |
| U-Haul uhaulfedcu.comNCUA 15847 · Phoenix, AZ | 36 | Gated | 26 | |
| Northwood northwoodfcu.comNCUA 5062 · Philadelphia, PA | 52 | No | 7 | |
| Shawnee Tva Employees no website on recordNCUA 9497 · West Paducah, KY; no web address reported on the NCUA call report | — | No | — | |
| D C Fire Department no website on recordNCUA 6088 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| Rincones Presbyterian rpcu.onlineNCUA 61946 · Chacon, NM | 42 | Gated | 7 | |
| Griffith Institute Employees springvillefcu.orgNCUA 14505 · Springville, NY | 49 | No | 20 | |
| Molex Employees molexfcu.comNCUA 23109 · Lisle, IL | 64 | No | 1 | |
| Coburn coburncu.comNCUA 60409 · Beaumont, TX | 63 | No | 1 | |
| Gibbons and Reed Employees grcreditunion.comNCUA 14917 · Salt Lake City, UT | 34 | Gated | 11 | |
| Pace Resources paceresourcesfcu.virtualNCUA 19501 · York, PA | 33 | Gated | 1 | |
| Transact Bank, National Association transactbank.comFDIC 13986 · Denver, Colorado | 51 | Gated | 11 | |
| Vulcraft Employees vulcraftfcu.comNCUA 23287 · St Joe, IN | 45 | No | 1 | |
| Decatur Postal decaturpostalcreditunionNCUA 65841 · Decatur, IL | 33 | Gated | 1 | |
| Peoria City Employees peoriacu.comNCUA 60873 · Peoria, IL | 28 | Gated | 1 | |
| Southeast Missouri Community southeastcreditunion.comNCUA 67716 · Park Hills, MO | 56 | No | 5 | |
| Alabama Postal alabamapostalcu.comNCUA 64645 · Birmingham, AL | 44 | No | 1 | |
| Teachers tcuok.orgNCUA 65774 · Oklahoma City, OK | 51 | No | 25 | |
| Topeka Police toppdcu.comNCUA 67785 · Topeka, KS | 53 | No | 17 | |
| For Members Only akafmofcu.orgNCUA 24946 · Chicago, IL | 42 | Gated | 8 | |
| Valley Pride no website on recordNCUA 23467 · Kingston, PA; no web address reported on the NCUA call report | — | No | — | |
| Meadow Grove meadowgrovefcu.orgNCUA 24759 · Meadow Grove, NE | 32 | Gated | 27 | |
| Ware County School Employees warecountyschoolemployeeNCUA 15265 · Waycross, GA | 33 | Gated | 1 | |
| Utica Police Department no website on recordNCUA 2208 · Utica, NY; no web address reported on the NCUA call report | — | No | — | |
| Rapides rapidesfederalcu.comNCUA 12225 · Alexandria, LA | 53 | Gated | 21 | |
| Denocos denocos.comNCUA 12028 · Crescent City, CA | 53 | Gated | 9 | |
| Sugar Valley sugarvalleyfcu.orgNCUA 3558 · Scottsbluff, NE | 64 | No | 13 | |
| Johnstown School Employees jsefcu.comNCUA 3120 · Johnstown, PA | 66 | No | 10 | |
| Skel-Tex no website on recordNCUA 60396 · Skellytown, TX; no web address reported on the NCUA call report | — | No | — | |
| Louisiana Baptist labaptistfcu.comNCUA 21968 · Alexandria, LA | 60 | No | 8 | |
| Brosnan Yard no website on recordNCUA 22400 · Macon, GA; no web address reported on the NCUA call report | — | No | — | |
| Pawtucket Municipal Employees no website on recordNCUA 16016 · Pawtucket, RI; no web address reported on the NCUA call report | — | No | — | |
| Montoursville Area montoursvilleareafcu.comNCUA 18144 · Montoursville, PA | 57 | No | 1 | |
| Valley Educators itsme247.comNCUA 63468 · Alamosa, CO | 58 | No | 1 | |
| District 58 no website on recordNCUA 15211 · Chase, LA; no web address reported on the NCUA call report | — | No | — | |
| Huntington West VA Firemens no website on recordNCUA 795 · Huntington, WV; no web address reported on the NCUA call report | — | No | — | |
| Transit Authority Division B divbfcu.comNCUA 798 · New York, NY | 33 | Gated | 1 | |
| Hollyfrontier Employee's no website on recordNCUA 67078 · Bountiful, UT; no web address reported on the NCUA call report | — | No | — | |
| Columbiana County School Empl ccsecreditunion.comNCUA 63676 · Lisbon, OH | 51 | No | 8 | |
| Allen Hospital Personnel allencu.comNCUA 67831 · Waterloo, IA | 53 | Gated | 16 | |
| Peoria Bell peoriabell.orgNCUA 65905 · Peoria, IL | 56 | No | 6 | |
| Central Kansas Education ckecusalina.comNCUA 61765 · Salina, KS | 52 | No | 18 | |
| Health Alliance myhacu.orgNCUA 17679 · Somerville, MA | 53 | Gated | 20 | |
| New Haven Firefighters no website on recordNCUA 65862 · New Haven, CT; no web address reported on the NCUA call report | — | No | — | |
| Tri-County no website on recordNCUA 67855 · Grinnell, KS; no web address reported on the NCUA call report | — | No | — | |
| Dexter Public Schools no website on recordNCUA 67703 · Dexter, MO; no web address reported on the NCUA call report | — | No | — | |
| NCE ncecreditunion.netNCUA 67578 · Corpus Christi, TX | 47 | Gated | 32 | |
| St. Paschal Baylons no website on recordNCUA 11992 · Highland Height, OH; no web address reported on the NCUA call report | — | No | — | |
| Effingham Highway no website on recordNCUA 81553 · Effingham, IL; no web address reported on the NCUA call report | — | No | — | |
| St. James Parish stjpcu.comNCUA 62624 · Cincinnati, OH | 59 | No | 30 | |
| Memorial memorialfcu.orgNCUA 14824 · Gulfport, MS | 52 | Gated | 17 | |
| Rig Employees no website on recordNCUA 60582 · Macon, GA; no web address reported on the NCUA call report | — | No | — | |
| Macon Firemen's no website on recordNCUA 67687 · Macon, GA; no web address reported on the NCUA call report | — | No | — | |
| Latvian latviancu.comNCUA 63891 · Minneapolis, MN | 55 | Gated | 32 | |
| Norwood Town Employees norwoodecu.comNCUA 17112 · Norwood, MA | 56 | Gated | 22 | |
| Local 355 MD no website on recordNCUA 14815 · Baltimore, MD; no web address reported on the NCUA call report | — | No | — | |
| West Hudson Teachers no website on recordNCUA 2127 · North Arlington, NJ; no web address reported on the NCUA call report | — | No | — | |
| Moffat County Schools mcsfcu.orgNCUA 15230 · Craig, CO | 33 | Gated | 1 | |
| Newell newellfcu.orgNCUA 19045 · Newell, PA | 45 | No | 1 | |
| South Texas Regional strfcu.comNCUA 7024 · Laredo, TX | 48 | Gated | 32 | |
| Ohio County Public Schools ocpsfcu.virtualcu.netNCUA 19881 · Wheeling, WV | 54 | Gated | 20 | |
| South Side Community southsidecommunityfcu.orNCUA 24704 · Chicago, IL | 33 | Gated | 1 | |
| Southern Gas southerngasfcu.comNCUA 23327 · Little Rock, AR | 59 | No | 18 | |
| Regional Water Authority Employees no website on recordNCUA 66044 · New Haven, CT; no web address reported on the NCUA call report | — | No | — | |
| Watertown Postal watertownpostalfcu.orgNCUA 6112 · Watertown, NY | 65 | No | 1 | |
| Northeast Schools and Hospital nshcu.virtualcu.netNCUA 64462 · Newport, VT | 52 | Gated | 22 | |
| South Carolina Methodist Conf scmccu.orgNCUA 60715 · Columbia, SC | 47 | Gated | 7 | |
| Carbondale Highway no website on recordNCUA 65427 · Carbondale, IL; no web address reported on the NCUA call report | — | No | — | |
| Schenectady County Employees schcofcu.orgNCUA 16278 · Schenectady, NY | 45 | No | 32 | |
| Appalachian Power Employees appalachianpowerefcu.virNCUA 1463 · Huntington, WV | 33 | Gated | 1 | |
| Ellis no website on recordNCUA 67797 · Ellis, KS; no web address reported on the NCUA call report | — | No | — | |
| Fort Morgan Schools no website on recordNCUA 10180 · Fort Morgan, CO; no web address reported on the NCUA call report | — | No | — | |
| Tel-U-Watt teluwatt.comNCUA 146 · Minot, ND | 33 | Gated | 1 |
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