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 8,001–8,100 of 8,519 · page 81 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| A.s.h. Employees no website on recordNCUA 64967 · Anna, IL; no web address reported on the NCUA call report | — | No | — | |
| Kearny Municipal Employees no website on recordNCUA 10614 · Kearny, NJ; no web address reported on the NCUA call report | — | No | — | |
| Local 606 Electrical Workers local606fcu.orgNCUA 16979 · Orlando, FL | 57 | No | 1 | |
| Container Mutual no website on recordNCUA 67933 · Fernandina Beac, FL; no web address reported on the NCUA call report | — | No | — | |
| Omega Psi Phi Fraternity oppffcu.comNCUA 24234 · Toccoa, GA | 46 | No | 32 | |
| S.t.e.c. no website on recordNCUA 18816 · Nursery, TX; no web address reported on the NCUA call report | — | No | — | |
| Polk County polkcountycreditunion.coNCUA 65039 · Des Moines, IA | 33 | Gated | 1 | |
| Old Spanish Trail no website on recordNCUA 61963 · Westlake, LA; no web address reported on the NCUA call report | — | No | — | |
| Sikeston Public Schools spscu.comNCUA 63830 · Sikeston, MO | 33 | Gated | 1 | |
| Tombigbee tombigb.virtualcu.netNCUA 17681 · Amory, MS | 46 | Gated | 10 | |
| Poly Scientific Employees no website on recordNCUA 13544 · Blacksburg, VA; no web address reported on the NCUA call report | — | No | — | |
| Madison Fire Department mfdcu.orgNCUA 66499 · Madison, WI | 53 | No | 10 | |
| HSM hsmfcu.orgNCUA 22740 · Hickory, NC | 46 | Gated | 1 | |
| C C M H ccmhfcu.orgNCUA 21057 · Parkersburg, WV | 53 | Gated | 13 | |
| LEE leefcu.comNCUA 15174 · Washington, DC | 33 | Gated | 1 | |
| Morton mortoncu.comNCUA 65466 · South Hutchinso, KS | 45 | No | 11 | |
| Options optionscreditunion.comNCUA 65111 · Littleton, CO | 57 | Gated | 32 | |
| The New Haven Police and Municipal nhpdfcu.comNCUA 10729 · New Haven, CT | 56 | Gated | 28 | |
| Parlin Dupont Employees parlindupontefcu.comNCUA 2246 · Sayreville, NJ | 54 | Gated | 32 | |
| Redeemer redeemerfcu.orgNCUA 24867 · Plano, TX | 54 | No | 21 | |
| St. Pats Employees stpatscu.comNCUA 19017 · Missoula, MT | 54 | Gated | 20 | |
| Iron Workers iwfcu.comNCUA 15797 · Pittsburgh, PA | 53 | No | 32 | |
| Pampa Municipal no website on recordNCUA 67621 · Pampa, TX; no web address reported on the NCUA call report | — | No | — | |
| Deming Schools Employees dsecu.orgNCUA 61559 · Deming, NM | 34 | Gated | 29 | |
| Port of Houston Warehouse phwfcu.orgNCUA 21029 · Houston, TX | 60 | No | 9 | |
| Penn-Trafford School Emp. no website on recordNCUA 17014 · Trafford, PA; no web address reported on the NCUA call report | — | No | — | |
| Frio County no website on recordNCUA 20267 · Pearsall, TX; no web address reported on the NCUA call report | — | No | — | |
| Chemco no website on recordNCUA 61277 · Mc Intosh, AL; no web address reported on the NCUA call report | — | No | — | |
| E L C O no website on recordNCUA 22083 · Elberton, GA; no web address reported on the NCUA call report | — | No | — | |
| Community Partners communitypartnersfcu.comNCUA 24905 · Newton, MS | 50 | No | 18 | |
| Decatur Policemen no website on recordNCUA 60293 · Decatur, IL; no web address reported on the NCUA call report | — | No | — | |
| Lynn Teachers lynnteacherscu.orgNCUA 67882 · Lynn, MA | 53 | Gated | 20 | |
| Nickel Steel nickelsteelfcu.comNCUA 9000 · Lima, OH | 57 | Gated | 32 | |
| Garland County Educators gcefcuhotsprings.orgNCUA 18814 · Hot Springs, AR | 43 | Gated | 11 | |
| Corning Glass Works Harrodsbg no website on recordNCUA 11285 · Harrodsburg, KY; no web address reported on the NCUA call report | — | No | — | |
| Farmers Branch City Employees fbcefcu.virtualcu.netNCUA 20303 · Farmers Branch, TX | 33 | Gated | 1 | |
| Sixth Avenue Baptist sixthavebaptistfcu.orgNCUA 15938 · Birmingham, AL | 57 | No | 15 | |
| Sabine School Employees no website on recordNCUA 21615 · Many, LA; no web address reported on the NCUA call report | — | No | — | |
| Newark Police no website on recordNCUA 4611 · Newark, NJ; no web address reported on the NCUA call report | — | No | — | |
| Hutchinson Postal & Community hutchpccu.comNCUA 67829 · Hutchinson, KS | 37 | No | 17 | |
| Winslow School Employees no website on recordNCUA 11459 · Winslow, AZ; no web address reported on the NCUA call report | — | No | — | |
| Dakota Rail Line no website on recordNCUA 9907 · Huron, SD; no web address reported on the NCUA call report | — | No | — | |
| Brookland brooklandfcu.orgNCUA 24623 · West Columbia, SC | 63 | No | 1 | |
| Pioneer Community pioneercreditunion.netNCUA 24682 · Palisade, NE | 33 | Gated | 1 | |
| Moore County Schools mcsfcreditunion.comNCUA 11458 · Dumas, TX | 43 | No | 7 | |
| TVH tvhfcu.orgNCUA 6311 · Tuskegee, AL | 54 | No | 3 | |
| Water's Edge wefcu.orgNCUA 8593 · Biloxi, MS | 64 | No | 1 | |
| Corpus Christi S.p. ccspcu.comNCUA 67485 · Corpus Christi, TX | 47 | No | 16 | |
| First Care firstcarecreditunion.comNCUA 22322 · Roanoke, VA | 33 | Gated | 1 | |
| Light Commerce lightcommercecu.orgNCUA 68529 · Houston, TX | 49 | Gated | 31 | |
| I.b.e.w. Local #146 ibew146cu.comNCUA 65840 · Decatur, IL | 45 | Gated | 32 | |
| Orleans Parish Sheriff's no website on recordNCUA 66259 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Tri-County tricountyfederalcreditunNCUA 21875 · Delevan, NY | 33 | Gated | 1 | |
| Northside L nslfcu.comNCUA 2467 · Broadview, IL | 50 | No | 11 | |
| Cooperative Extension Service cesfcu.orgNCUA 24431 · Little Rock, AR | 55 | Gated | 8 | |
| Hb Telco hbtelcofcu.comNCUA 9888 · Huron, SD | 44 | No | 9 | |
| Charleston Postal charlestonpostalfcu.comNCUA 24743 · Charleston, WV | 44 | No | 1 | |
| Local 265 Ibew itsme247.comNCUA 15522 · Lincoln, NE; the reported address pointed at a page, the site root is scanned | 58 | No | 1 | |
| S. C. H. D. Dist #7 no website on recordNCUA 18423 · Orangeburg, SC; no web address reported on the NCUA call report | — | No | — | |
| Natural Resources Conservation Services nrcscreditunion.orgNCUA 2158 · Fort Worth, TX | 62 | No | 32 | |
| Urbana Municipal Employees umecu-urbana.comNCUA 64568 · Urbana, IL | 39 | Gated | 8 | |
| Multi-Schools multischoolsfcu.orgNCUA 2612 · Wampum, PA | 45 | No | 1 | |
| P.H.I. phifcu.comNCUA 21879 · Lafayette, LA | 50 | Gated | 8 | |
| Sisseton-Wahpeton sisseton-wahpetonfcu.comNCUA 23309 · Agency Village, SD | 42 | No | 11 | |
| Cheswick Atomic Division cadfcu.comNCUA 15234 · Harwick, PA | 60 | No | 7 | |
| Revere Firefighters no website on recordNCUA 24956 · Revere, MA; no web address reported on the NCUA call report | — | No | — | |
| Morgan City no website on recordNCUA 15009 · Morgan City, LA; no web address reported on the NCUA call report | — | No | — | |
| Oak Lawn Municipal Employees olmecu.virtualcu.netNCUA 62717 · Oak Lawn, IL | 33 | Gated | 1 | |
| Santa Maria Associated Employees smcreditunion.orgNCUA 12508 · Santa Maria, CA | 66 | No | 8 | |
| Kraftsman no website on recordNCUA 14185 · Hopewell, VA; no web address reported on the NCUA call report | — | No | — | |
| East Baton Rouge Teachers ebrteachersfcu.orgNCUA 7253 · Baton Rouge, LA | 33 | Gated | 1 | |
| Greensburg Teachers no website on recordNCUA 63715 · Greensburg, PA; no web address reported on the NCUA call report | — | No | — | |
| Paterson Police patersonpolicefcu.comNCUA 8339 · Paterson, NJ | 33 | Gated | 1 | |
| Burlington Municipal Employees wwwmybmecu.comNCUA 65239 · Burlington, IA | 33 | Gated | 1 | |
| N. J. Latvian njlatviancreditunion.comNCUA 20463 · Freehold, NJ | 53 | No | 8 | |
| Middlesex-Essex Postal Employees no website on recordNCUA 19446 · North Reading, MA; no web address reported on the NCUA call report | — | No | — | |
| Valley Agricultural valleyagfcu.orgNCUA 17841 · Santa Paula, CA | 58 | No | 12 | |
| Delta Refining Co Emp no website on recordNCUA 9310 · Memphis, TN; no web address reported on the NCUA call report | — | No | — | |
| Peoria Fire Fighters no website on recordNCUA 60190 · Peoria, IL; no web address reported on the NCUA call report | — | No | — | |
| Beka no website on recordNCUA 21575 · Lindale, GA; no web address reported on the NCUA call report | — | No | — | |
| Our Lady of Snows no website on recordNCUA 67715 · Henley, MO; no web address reported on the NCUA call report | — | No | — | |
| W T Community no website on recordNCUA 10859 · Cincinnati, OH; no web address reported on the NCUA call report | — | No | — | |
| Alcoa Municipal Employees no website on recordNCUA 20513 · Alcoa, TN; no web address reported on the NCUA call report | — | No | — | |
| Normal City Employees ncefcu.comNCUA 14972 · Normal, IL | 33 | Gated | 1 | |
| Montell no website on recordNCUA 20228 · Sulphur, LA; no web address reported on the NCUA call report | — | No | — | |
| Gas & Electric Employees geecu.orgNCUA 65040 · Mason City, IA | 46 | Gated | 30 | |
| Shelby/Bolivar County shelbycu.orgNCUA 9974 · Boyle, MS | 33 | Gated | 1 | |
| Locoga locogafcu.comNCUA 13516 · Valdosta, GA | 31 | Gated | 1 | |
| Nueva Esperanza Community nuevaesperanzaccu.orgNCUA 68603 · Toledo, OH | 48 | Gated | 14 | |
| AVH no website on recordNCUA 22953 · Natrona Heights, PA; no web address reported on the NCUA call report | — | No | — | |
| Meridian Postal no website on recordNCUA 24894 · Meridian, MS; no web address reported on the NCUA call report | — | No | — | |
| Coxsackie Correctional Emp. no website on recordNCUA 888 · Coxsackie, NY; no web address reported on the NCUA call report | — | No | — | |
| University of Pennsylvania Students upennsfcu.orgNCUA 24290 · Philadelphia, PA | 45 | No | 1 | |
| MUW muwfederalcreditunion.coNCUA 16770 · Columbus, MS | 33 | Gated | 1 | |
| DSRM National Bank no website on recordFDIC 34331 · Albuquerque, New Mexico; no web address reported to the FDIC | — | No | — | |
| McDonald Community no website on recordNCUA 1599 · Mc Donald, OH; no web address reported on the NCUA call report | — | No | — | |
| Arkansas Kraft Employees no website on recordNCUA 17849 · Morrilton, AR; no web address reported on the NCUA call report | — | No | — | |
| Trenton Nj Firemen no website on recordNCUA 4906 · Trenton, NJ; no web address reported on the NCUA call report | — | No | — | |
| New Covenant Dominion newcovenantcreditunion.oNCUA 24784 · Bronx, NY | 33 | Gated | 1 | |
| Chicago Avenue Garage cagfcu.orgNCUA 2495 · Chicago, IL | 64 | No | 5 |
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