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 8,201–8,300 of 8,519 · page 83 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Lefors no website on recordNCUA 13777 · Lefors, TX; no web address reported on the NCUA call report | — | No | — | |
| Acba Fed Credit Union (3226) acbafcu.comNCUA 3226 · Pittsburgh, PA | 60 | No | 7 | |
| Maun maunfcu.orgNCUA 24925 · Kendall Park, NJ | 65 | Gated | 32 | |
| Franklin Regional Schools frsfcu.comNCUA 18582 · Jeannette, PA | 56 | No | 7 | |
| Southeast Louisiana Veterans Health slvhcsfcu.comNCUA 5839 · New Orleans, LA | 33 | Gated | 1 | |
| Longview no website on recordNCUA 1130 · White Oak, TX; no web address reported on the NCUA call report | — | No | — | |
| United Neighborhood unitedneighborhoodfcu.oNCUA 24683 · Augusta, GA | 33 | Gated | 1 | |
| LCO lcofcu.comNCUA 24648 · Hayward, WI | 45 | Gated | 19 | |
| Waterloo Firemen's no website on recordNCUA 65193 · Waterloo, IA; no web address reported on the NCUA call report | — | No | — | |
| Teamsters Local 697 teamsters697creditunion.NCUA 20957 · Wheeling, WV | 33 | Gated | 1 | |
| B. P. S. no website on recordNCUA 13062 · Beeville, TX; no web address reported on the NCUA call report | — | No | — | |
| Flint no website on recordNCUA 16085 · Reynolds, GA; no web address reported on the NCUA call report | — | No | — | |
| South Bend Transit sbtransitfcu.netNCUA 4487 · South Bend, IN | 64 | No | 5 | |
| Federal Employees no website on recordNCUA 67414 · Texarkana, TX; no web address reported on the NCUA call report | — | No | — | |
| Our Mother of Mercy Parish Houston omomfcu.orgNCUA 17067 · Houston, TX | 33 | Gated | 1 | |
| Williamson County Catholic wcccu.usNCUA 63459 · Herrin, IL | 66 | No | 1 | |
| Choctaw choctawfcu.orgNCUA 22314 · Choctaw, MS | 28 | Gated | 1 | |
| Councill no website on recordNCUA 9554 · Normal, AL; no web address reported on the NCUA call report | — | No | — | |
| Long Beach Teachers no website on recordNCUA 3256 · Long Beach, NY; no web address reported on the NCUA call report | — | No | — | |
| New England Lee no website on recordNCUA 16383 · Boston, MA; no web address reported on the NCUA call report | — | No | — | |
| OPC no website on recordNCUA 20951 · Durkee, OR; no web address reported on the NCUA call report | — | No | — | |
| Orem City Employees cu.orem.orgNCUA 13965 · Orem, UT | 33 | Gated | 1 | |
| Jafari No-Interest jafaricu.comNCUA 68675 · Houston, TX | 46 | No | 3 | |
| Tribe tribefcu-dn.financial-nNCUA 24960 · Eagan, MN | 33 | Gated | 1 | |
| J C Federal Employees no website on recordNCUA 67691 · Jefferson City, MO; no web address reported on the NCUA call report | — | No | — | |
| Sp Trainmen no website on recordNCUA 9496 · Houston, TX; no web address reported on the NCUA call report | — | No | — | |
| Great Neck School Employees no website on recordNCUA 5163 · Great Neck, NY; no web address reported on the NCUA call report | — | No | — | |
| Choptank Electric Coop Employ no website on recordNCUA 20656 · Denton, MD; no web address reported on the NCUA call report | — | No | — | |
| Antioch no website on recordNCUA 96660 · Cleveland, OH; no web address reported on the NCUA call report | — | No | — | |
| Aurora Firefighters' no website on recordNCUA 61425 · Aurora, IL; no web address reported on the NCUA call report | — | No | — | |
| Navarro no website on recordNCUA 67407 · Corsicana, TX; no web address reported on the NCUA call report | — | No | — | |
| Macon-Bibb Employees Credit Union maconbibbecu.orgNCUA 67688 · Macon, GA | 43 | Gated | 30 | |
| N.i.c.e. nicefederalcu.orgNCUA 24039 · Geneva, IL | 60 | No | 9 | |
| Mercer mercercreditunion.comNCUA 65995 · Aledo, IL | 65 | No | 6 | |
| U.p. Employees upemployees.orgblockedNCUA 24435 · North Little Ro, AR; not measured: HTTP 403 | — | No | — | |
| I R E B no website on recordNCUA 9952 · Brooklyn, NY; no web address reported on the NCUA call report | — | No | — | |
| Public Service E.d. Trenton no website on recordNCUA 10741 · Mercerville, NJ; no web address reported on the NCUA call report | — | No | — | |
| Glover no website on recordNCUA 12613 · Honolulu, HI; no web address reported on the NCUA call report | — | No | — | |
| High Street Baptist Church no website on recordNCUA 11986 · Roanoke, VA; no web address reported on the NCUA call report | — | No | — | |
| Erie Police eriepolicefcu1.comNCUA 8626 · Erie, PA | 69 | No | 3 | |
| Boston Customs bostoncustomsfcu.orgNCUA 524 · Boston, MA | 50 | No | 30 | |
| Haven no website on recordNCUA 24982 · San Francisco, CA; no web address reported on the NCUA call report | — | No | — | |
| Medical Employees of Staten Island no website on recordNCUA 12546 · Staten Island, NY; no web address reported on the NCUA call report | — | No | — | |
| Upstate Milk Employees no website on recordNCUA 20547 · Lancaster, NY; no web address reported on the NCUA call report | — | No | — | |
| T E A teafcu.orgNCUA 18462 · Houma, LA | 59 | No | 12 | |
| Metropolitan Teachers metrotcu.orgNCUA 68135 · Nashville, TN | 45 | No | 1 | |
| Arkansas Teachers artfcu.orgNCUA 24433 · Little Rock, AR | 45 | Gated | 19 | |
| Stoughton Town Employees stoughtontownemployeesfcNCUA 17437 · Stoughton, MA | 33 | Gated | 1 | |
| W B R T wbrtfcu.comblockedNCUA 12735 · Port Allen, LA; not measured: HTTP 403 | — | No | — | |
| Wedevelopment wedevelopmentfcu.comNCUA 24937 · Kansas City, MO | 62 | No | 32 | |
| Planters no website on recordNCUA 21367 · Suffolk, VA; no web address reported on the NCUA call report | — | No | — | |
| B.E.A. no website on recordNCUA 65759 · Bethalto, IL; no web address reported on the NCUA call report | — | No | — | |
| School Employees secusuperior.comNCUA 66662 · Superior, WI | 68 | No | 1 | |
| Lehrer Interests no website on recordNCUA 67641 · Garwood, TX; no web address reported on the NCUA call report | — | No | — | |
| Plumbers & Fitters Local 675 no website on recordNCUA 24284 · Honolulu, HI; no web address reported on the NCUA call report | — | No | — | |
| North Adams M E namefcu.comNCUA 13274 · North Adams, MA | 57 | Gated | 18 | |
| Trinity Baptist Church no website on recordNCUA 19619 · Florence, SC; no web address reported on the NCUA call report | — | No | — | |
| Faith Cooperative faithcfcu.comNCUA 12859 · Dallas, TX | 40 | Gated | 28 | |
| Penn Hills Municipal no website on recordNCUA 16636 · Pittsburgh, PA; no web address reported on the NCUA call report | — | No | — | |
| Mt Pleasant Area School Emp no website on recordNCUA 17136 · Mount Pleasant, PA; no web address reported on the NCUA call report | — | No | — | |
| Nucor Employees no website on recordNCUA 15752 · Fort Payne, AL; no web address reported on the NCUA call report | — | No | — | |
| Salem School System salemschoolscreditunion.NCUA 65346 · Salem, IL | 33 | Gated | 1 | |
| Bulab Employees no website on recordNCUA 20874 · Memphis, TN; no web address reported on the NCUA call report | — | No | — | |
| Urban Upbound uufcu.orgNCUA 24823 · Long Island Cit, NY | 45 | Gated | 22 | |
| Quincy Postal Employees no website on recordNCUA 63378 · Quincy, IL; no web address reported on the NCUA call report | — | No | — | |
| The Morning Star tmsfcu.comNCUA 24943 · Lame Deer, MT | 44 | No | 1 | |
| Symphony no website on recordNCUA 18861 · Boston, MA; no web address reported on the NCUA call report | — | No | — | |
| Federation of Greene County Empl. no website on recordNCUA 22131 · Eutaw, AL; no web address reported on the NCUA call report | — | No | — | |
| Mt Taylor no website on recordNCUA 13654 · Milan, NM; no web address reported on the NCUA call report | — | No | — | |
| North Alabama Papermakers no website on recordNCUA 22070 · Stevenson, AL; no web address reported on the NCUA call report | — | No | — | |
| Eddyville Cooperative no website on recordNCUA 66274 · Eddyville, NE; no web address reported on the NCUA call report | — | No | — | |
| Air Tech no website on recordNCUA 66546 · Milwaukee, WI; no web address reported on the NCUA call report | — | No | — | |
| Clifton Nj Postal Employees no website on recordNCUA 277 · Clifton, NJ; no web address reported on the NCUA call report | — | No | — | |
| W T N M Atlantic no website on recordNCUA 7677 · Denver City, TX; no web address reported on the NCUA call report | — | No | — | |
| 1St Class Express no website on recordNCUA 67022 · Waukesha, WI; no web address reported on the NCUA call report | — | No | — | |
| Atlantic City Police no website on recordNCUA 3420 · Northfield, NJ; no web address reported on the NCUA call report | — | No | — | |
| M G Employees no website on recordNCUA 21787 · Marysville, OH; no web address reported on the NCUA call report | — | No | — | |
| G E a Employees no website on recordNCUA 17675 · Pearisburg, VA; no web address reported on the NCUA call report | — | No | — | |
| Mississippi College Employees no website on recordNCUA 24895 · Clinton, MS; no web address reported on the NCUA call report | — | No | — | |
| Arabi Sugar Workers no website on recordNCUA 19985 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Haulpak no website on recordNCUA 4025 · Peoria, IL; no web address reported on the NCUA call report | — | No | — | |
| Newark Post Office Employees no website on recordNCUA 66159 · Newark, NJ; no web address reported on the NCUA call report | — | No | — | |
| Glamorgan Employees no website on recordNCUA 19416 · Lynchburg, VA; no web address reported on the NCUA call report | — | No | — | |
| Israel Methcomm imfcu.comNCUA 15673 · Chicago, IL | 59 | No | 12 | |
| Evanston Firemens no website on recordNCUA 62338 · Evanston, IL; no web address reported on the NCUA call report | — | No | — | |
| Fountain Valley no website on recordNCUA 64108 · Fountain Valley, CA; no web address reported on the NCUA call report | — | No | — | |
| Pearl Municipal pearlcu.comNCUA 24880 · Pearl, MS | 45 | No | 1 | |
| East End Food Cooperative eefcfcu.orgNCUA 24483 · Pittsburgh, PA | 58 | No | 10 | |
| B. Braun no website on recordNCUA 23725 · Allentown, PA; no web address reported on the NCUA call report | — | No | — | |
| Aurora Postal Employees no website on recordNCUA 65906 · Aurora, IL; no web address reported on the NCUA call report | — | No | — | |
| Trenton Teachers no website on recordNCUA 2932 · Trenton, NJ; no web address reported on the NCUA call report | — | No | — | |
| Sloan Public Schools no website on recordNCUA 20292 · Cheektowaga, NY; no web address reported on the NCUA call report | — | No | — | |
| I.m. Detroit District no website on recordNCUA 62167 · Detroit, MI; no web address reported on the NCUA call report | — | No | — | |
| Flexpak no website on recordNCUA 13599 · Woods Cross, UT; no web address reported on the NCUA call report | — | No | — | |
| James Ward, Jr. no website on recordNCUA 14537 · Jennings, LA; no web address reported on the NCUA call report | — | No | — | |
| St. Luke's Community no website on recordNCUA 23525 · Houston, TX; no web address reported on the NCUA call report | — | No | — | |
| Tayco Employees no website on recordNCUA 10177 · South Shore, KY; no web address reported on the NCUA call report | — | No | — | |
| Danfoss Employees danfosscu.comNCUA 62950 · Plymouth, MN | 44 | Gated | 8 | |
| Urban Beginnings Choice ubcfcu.orgNCUA 24781 · Fort Wayne, IN | 28 | Gated | 1 | |
| Guernsey Community no website on recordNCUA 9501 · Guernsey, WY; 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