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 8,101–8,200 of 8,519 · page 82 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Ziegler no website on recordNCUA 5781 · Bloomington, MN; no web address reported on the NCUA call report | — | No | — | |
| Midwestern State University mwsucu.comNCUA 67549 · Wichita Falls, TX | 57 | Gated | 32 | |
| Dubuque Postal Employees dpecu.comNCUA 64917 · Dubuque, IA | 67 | No | 7 | |
| Upstate Telco upstatetelcofcu.orgNCUA 10746 · Gloversville, NY | 53 | No | 1 | |
| Hurd Employees no website on recordNCUA 68144 · Greeneville, TN; no web address reported on the NCUA call report | — | No | — | |
| Belton beltonfcu.comNCUA 15565 · Belton, TX | 31 | Gated | 32 | |
| C & R candrcreditunion.comNCUA 67783 · Clay Center, KS | 62 | No | 6 | |
| Lisbon Farmers Union no website on recordNCUA 64688 · Lisbon, ND; no web address reported on the NCUA call report | — | No | — | |
| Davison Employees wwwdavisonfcu.comNCUA 8967 · Sulphur, LA | 33 | Gated | 1 | |
| Thd District 17 no website on recordNCUA 67480 · Bryan, TX; no web address reported on the NCUA call report | — | No | — | |
| Fairmont School Employees sites.google.comNCUA 24612 · Fairmont, MN; the reported address pointed at a page, the site root is scanned | 62 | No | 1 | |
| Co-Ne co-nefcu.netNCUA 17250 · Julesburg, CO | 55 | Gated | 5 | |
| P.i.a.s. piascu.orgNCUA 67779 · Brentwood, TN | 33 | Gated | 1 | |
| Oak Farms Employees ofecu.comNCUA 67624 · Houston, TX | 33 | Gated | 1 | |
| Highway District 9 hwydist9.comNCUA 67469 · Waco, TX | 64 | No | 9 | |
| Intercorp intercorpcu.comNCUA 67651 · Amarillo, TX | 63 | No | 1 | |
| Trinity U.c.c. no website on recordNCUA 23245 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| Covenant Savings mycsfcu.orgNCUA 24532 · Killeen, TX | 44 | No | 1 | |
| McKeesport Area Public School Emp no website on recordNCUA 2003 · Mckeesport, PA; no web address reported on the NCUA call report | — | No | — | |
| Asbestos Workers Local 14 no website on recordNCUA 18446 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Delaware River & Bay Auth Emp no website on recordNCUA 16769 · New Castle, DE; no web address reported on the NCUA call report | — | No | — | |
| Transit Operations tofcu.orgNCUA 24539 · Minneapolis, MN | 52 | No | 11 | |
| S H P E sshpecu.orgNCUA 13248 · Greensburg, LA | 33 | Gated | 1 | |
| Growing Oaks growingoaksfcu.comNCUA 24919 · Goldsby, OK | 63 | No | 14 | |
| Goodyear San Angelo gysafcu.comNCUA 21710 · San Angelo, TX | 64 | No | 7 | |
| Chem Family no website on recordNCUA 61055 · Anniston, AL; no web address reported on the NCUA call report | — | No | — | |
| M D U Employees mdufcu.comNCUA 11331 · Glendive, MT | 57 | No | 4 | |
| T H P bsdc.onlinecu.comNCUA 4488 · Terre Haute, IN; the reported address pointed at a page, the site root is scanned | 33 | Gated | 1 | |
| G. C. A. no website on recordNCUA 20529 · Lake Charles, LA; no web address reported on the NCUA call report | — | No | — | |
| Plains plainsfcu.comNCUA 12274 · Plainview, TX | 52 | No | 6 | |
| Masters, Mates & Pilots (Mm&p) creditunion.bridgedeck.oNCUA 12440 · Linthicum, MD | 33 | Gated | 1 | |
| Western Springs wsfcunion.comNCUA 13481 · Western Springs, IL | 68 | No | 10 | |
| Yogaville no website on recordNCUA 23974 · Buckingham, VA; no web address reported on the NCUA call report | — | No | — | |
| Uintah no website on recordNCUA 67156 · Vernal, UT; no web address reported on the NCUA call report | — | No | — | |
| Bayonne City Employees no website on recordNCUA 6443 · Bayonne, NJ; no web address reported on the NCUA call report | — | No | — | |
| Louisiana Machinery Employees no website on recordNCUA 14376 · Monroe, LA; no web address reported on the NCUA call report | — | No | — | |
| Gaf Linden Employees gafcreditunion.orgNCUA 2348 · Parsippany, NJ | 38 | Gated | 1 | |
| Powell Schools psfcupowell.comblockedNCUA 12794 · Powell, WY; not measured: HTTP 403 | — | No | — | |
| Houston Belt & Terminal hbtfcu.comNCUA 6318 · Humble, TX | 43 | Gated | 24 | |
| Union Pacific Employees no website on recordNCUA 67417 · Beaumont, TX; no web address reported on the NCUA call report | — | No | — | |
| Fo Me Bo Co no website on recordNCUA 19432 · Wabash, IN; no web address reported on the NCUA call report | — | No | — | |
| Sunkist Employees sunkistefcu.wixsite.comNCUA 4393 · Valencia, CA | 33 | Gated | 1 | |
| Kennaford no website on recordNCUA 12900 · Bedford, PA; no web address reported on the NCUA call report | — | No | — | |
| F.F.E. ffe-fcu.orgNCUA 9102 · Fargo, ND | 58 | No | 19 | |
| Troy no website on recordNCUA 15928 · Troy, NY; no web address reported on the NCUA call report | — | No | — | |
| Belmont Municipal no website on recordNCUA 4192 · Belmont, MA; no web address reported on the NCUA call report | — | No | — | |
| Roberts Dairy Employees robertsdairyefcu.orgNCUA 2414 · Omaha, NE | 44 | Gated | 10 | |
| S R I Employees no website on recordNCUA 11123 · Birmingham, AL; no web address reported on the NCUA call report | — | No | — | |
| Radio Cab no website on recordNCUA 63903 · Portland, OR; no web address reported on the NCUA call report | — | No | — | |
| B. M. H. bmhfcu.comNCUA 23630 · Cleveland, TN | 59 | No | 4 | |
| Science Park scienceparkfcu.orgNCUA 3790 · New Haven, CT | 46 | Gated | 32 | |
| Mvp Postal and Printing mvpfcu.orgNCUA 8001 · Gaithersburg, MD | 60 | No | 7 | |
| Nebraska Rural Community nrcfcu.comNCUA 24695 · Morrill, NE | 33 | Gated | 1 | |
| Coast Guard Employees coastguardecu.netNCUA 62258 · New Orleans, LA | 53 | No | 1 | |
| Metrex no website on recordNCUA 14172 · Kenilworth, NJ; no web address reported on the NCUA call report | — | No | — | |
| Great Horizons greathorizonsfcu.orgNCUA 22695 · Munster, IN | 57 | No | 15 | |
| Christo Rey no website on recordNCUA 5524 · Ney, OH; no web address reported on the NCUA call report | — | No | — | |
| Saint Nicholas snfcu.orgNCUA 2583 · Wilkes Barre, PA | 45 | No | 19 | |
| Empirt 207 amimembernet.comNCUA 1343 · New York, NY; the reported address pointed at a page, the site root is scanned | 63 | No | 1 | |
| Highway District 2 dist2cu.comNCUA 67468 · Fort Worth, TX | 56 | No | 8 | |
| 1897 no website on recordNCUA 23125 · Salisbury, MD; no web address reported on the NCUA call report | — | No | — | |
| N.o. Port Commission Employees portnocu.comblockedNCUA 62936 · New Orleans, LA; not measured: HTTP 403 | — | No | — | |
| Emigrant Mercantile Bank no website on recordFDIC 57834 · New York, New York; no web address reported to the FDIC | — | No | — | |
| Otoe-Missouria otoemissouriafcu.orgNCUA 24910 · Red Rock, OK | 33 | Gated | 1 | |
| Smart Choice wwwsmartchoicecreditunion.cNCUA 68513 · Cleveland, TN | 33 | Gated | 1 | |
| Pocono Medical Center pmcfcu.orgNCUA 21240 · East Stroudsbur, PA | 45 | Gated | 7 | |
| Bridgeport Post Office bptpofcu.orgNCUA 3575 · Bridgeport, CT | 58 | No | 1 | |
| Springfield Firefighters no website on recordNCUA 65256 · Springfield, IL; no web address reported on the NCUA call report | — | No | — | |
| Puerto Rico Employee Groups premployeesfcu.comNCUA 12771 · San Juan, PR | 54 | Gated | 13 | |
| Des Moines Fire Department no website on recordNCUA 64943 · Des Moines, IA; no web address reported on the NCUA call report | — | No | — | |
| Vidor Teachers no website on recordNCUA 21368 · Vidor, TX; no web address reported on the NCUA call report | — | No | — | |
| Co-Operative coopfederal.comNCUA 1134 · Woodridge, NY | 50 | Gated | 1 | |
| Electrical Workers Local 130 ibewlu130.comunreachableNCUA 10393 · Metairie, LA; the reported address pointed at a page, the site root is scanned | — | No | — | |
| New Kensington Municipal no website on recordNCUA 15063 · New Kensington, PA; no web address reported on the NCUA call report | — | No | — | |
| Hershey Robinson Employees no website on recordNCUA 61518 · Robinson, IL; no web address reported on the NCUA call report | — | No | — | |
| Demopolis demopolisfcu.comNCUA 17311 · Demopolis, AL | 57 | No | 9 | |
| Del Rio S.p. no website on recordNCUA 67531 · Del Rio, TX; no web address reported on the NCUA call report | — | No | — | |
| Tva Mid-South no website on recordNCUA 16520 · Memphis, TN; no web address reported on the NCUA call report | — | No | — | |
| Concordia Parish School Emp no website on recordNCUA 17396 · Ferriday, LA; no web address reported on the NCUA call report | — | No | — | |
| Andalusia Mills Employees Credit As no website on recordNCUA 23990 · Andalusia, AL; no web address reported on the NCUA call report | — | No | — | |
| Machinists - Boilermakers mbfcu.comNCUA 14708 · Gladstone, OR | 50 | Gated | 32 | |
| U.s.b. Employees no website on recordNCUA 5960 · Wilmington, CA; no web address reported on the NCUA call report | — | No | — | |
| Lee County no website on recordNCUA 61393 · Keokuk, IA; no web address reported on the NCUA call report | — | No | — | |
| Utility Employees uefcuonline.comNCUA 1851 · Aberdeen, WA | 46 | No | 6 | |
| Fort Ligonier fortligonierfcu.comNCUA 12505 · Jerome, PA | 58 | No | 9 | |
| Wisconsin Latvian, Inc. wislat.comNCUA 66686 · Milwaukee, WI | 49 | No | 17 | |
| Unity of Eatonville unityofeatonvillefcu.coNCUA 24935 · Eatonville, FL | 33 | Gated | 1 | |
| U.P.S. no website on recordNCUA 96799 · Cincinnati, OH; no web address reported on the NCUA call report | — | No | — | |
| Chula Vista City Employees no website on recordNCUA 18405 · Chula Vista, CA; no web address reported on the NCUA call report | — | No | — | |
| Trumbull no website on recordNCUA 61838 · Trumbull, CT; no web address reported on the NCUA call report | — | No | — | |
| New Community newcommunityfcu.orgNCUA 24167 · Newark, NJ | 25 | Gated | 9 | |
| Kellogg Memphis Employees no website on recordNCUA 13634 · Memphis, TN; no web address reported on the NCUA call report | — | No | — | |
| Coffee County Teachers no website on recordNCUA 16014 · Douglas, GA; no web address reported on the NCUA call report | — | No | — | |
| Velma no website on recordNCUA 8962 · Velma, OK; no web address reported on the NCUA call report | — | No | — | |
| St. Ann's Arlington saafcu.orgNCUA 6184 · Arlington, VA | 47 | No | 7 | |
| S and J School Employees sjschoolsfcu.comNCUA 17331 · Wintersville, OH | 45 | No | 1 | |
| U S Pipe Bessemer Employees no website on recordNCUA 1601 · Bessemer, AL; no web address reported on the NCUA call report | — | No | — | |
| Columbus Club no website on recordNCUA 9044 · San Fernando, CA; no web address reported on the NCUA call report | — | No | — | |
| Superior Municipal Employees no website on recordNCUA 67237 · Superior, WI; no web address reported on the NCUA call report | — | No | — | |
| B I bifcu.orgNCUA 6240 · Sewickley, PA | 51 | Gated | 29 |
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