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 8,301–8,400 of 8,519 · page 84 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Paper Converters Local 286/1034 no website on recordNCUA 23556 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Latvian no website on recordNCUA 18422 · Melville, NY; no web address reported on the NCUA call report | — | No | — | |
| S E C U no website on recordNCUA 64269 · Keokuk, IA; no web address reported on the NCUA call report | — | No | — | |
| Greeneville Works Empls. Sav. Association. no website on recordNCUA 68126 · Greeneville, TN; no web address reported on the NCUA call report | — | No | — | |
| Northeast Regional mynrcu.comNCUA 64709 · Hannibal, MO | 59 | No | 9 | |
| Ibew Local Union 80 no website on recordNCUA 20004 · Norfolk, VA; no web address reported on the NCUA call report | — | No | — | |
| Stoppenbach no website on recordNCUA 66565 · Jefferson, WI; no web address reported on the NCUA call report | — | No | — | |
| Usem Mena usem.virtualcu.netNCUA 18343 · Mena, AR | 54 | Gated | 21 | |
| American Baptist Association abacu.orgNCUA 67622 · Angleton, TX | 54 | No | 12 | |
| Highway Employees no website on recordNCUA 67474 · Tyler, TX; no web address reported on the NCUA call report | — | No | — | |
| Taylorville School Employees no website on recordNCUA 65874 · Taylorville, IL; no web address reported on the NCUA call report | — | No | — | |
| Tricounty no website on recordNCUA 8097 · Harlowton, MT; no web address reported on the NCUA call report | — | No | — | |
| Korean Catholic no website on recordNCUA 22700 · Olney, MD; no web address reported on the NCUA call report | — | No | — | |
| Eagle no website on recordNCUA 3869 · Atchison, KS; no web address reported on the NCUA call report | — | No | — | |
| Flint River Employees no website on recordNCUA 23908 · Oglethorpe, GA; no web address reported on the NCUA call report | — | No | — | |
| Elizabeth Police Department E no website on recordNCUA 3356 · Elizabeth, NJ; no web address reported on the NCUA call report | — | No | — | |
| Xavier University no website on recordNCUA 12748 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Berylco Employees' no website on recordNCUA 62656 · Hamburg, PA; no web address reported on the NCUA call report | — | No | — | |
| B V M S N no website on recordNCUA 13821 · Walnutport, PA; no web address reported on the NCUA call report | — | No | — | |
| Public Service Edwardspt Pl E no website on recordNCUA 12619 · Linton, IN; no web address reported on the NCUA call report | — | No | — | |
| Judicial & Justice jjfcu.comNCUA 7045 · New Orleans, LA | 57 | No | 1 | |
| Vitelco Employees vitelcocu.comNCUA 23294 · Charlotte Amali, VI | 44 | No | 1 | |
| Gary Firefighters Association no website on recordNCUA 169 · Gary, IN; no web address reported on the NCUA call report | — | No | — | |
| Bykota no website on recordNCUA 20419 · Brooklyn, NY; no web address reported on the NCUA call report | — | No | — | |
| Scf Westchester N. Y. Employees no website on recordNCUA 21231 · White Plains, NY; no web address reported on the NCUA call report | — | No | — | |
| St. Augustine no website on recordNCUA 67750 · Kelso, MO; no web address reported on the NCUA call report | — | No | — | |
| Inland Motor Employees no website on recordNCUA 14898 · Radford, VA; no web address reported on the NCUA call report | — | No | — | |
| 540 I.b.e.w. no website on recordNCUA 96652 · Massillon, OH; no web address reported on the NCUA call report | — | No | — | |
| M.o.s.e.s. moses-ma.orgNCUA 23627 · Boston, MA; the reported address pointed at a page, the site root is scanned | 47 | Gated | 32 | |
| Kan Colo kan-colocreditunion.comNCUA 66036 · Hoisington, KS | 45 | Gated | 20 | |
| Park Manor Christian Church pmcccreditunion.comNCUA 60923 · Chicago, IL | 16 | Gated | 10 | |
| Salt Employees no website on recordNCUA 15001 · Grand Saline, TX; no web address reported on the NCUA call report | — | No | — | |
| Northern Sts Pwr Company Emp no website on recordNCUA 147 · Grand Forks, ND; no web address reported on the NCUA call report | — | No | — | |
| Bothwell Hospital Employees bhecu.comNCUA 61268 · Sedalia, MO | 35 | No | 32 | |
| Ocean County Employees no website on recordNCUA 18759 · Toms River, NJ; no web address reported on the NCUA call report | — | No | — | |
| A.u.b. Employees' no website on recordNCUA 68161 · Athens, TN; no web address reported on the NCUA call report | — | No | — | |
| Mt Zion Indianapolis mtzionfcu.orgNCUA 15757 · Indianapolis, IN | 42 | Gated | 6 | |
| College and University cucu1600.comNCUA 60688 · Chicago, IL | 47 | No | 8 | |
| Olathe no website on recordNCUA 12608 · Olathe, CO; no web address reported on the NCUA call report | — | No | — | |
| City of Fairmont no website on recordNCUA 18142 · Fairmont, WV; no web address reported on the NCUA call report | — | No | — | |
| Co - Lib no website on recordNCUA 64723 · Saint Louis, MO; no web address reported on the NCUA call report | — | No | — | |
| New York Episcopal communitygoodfcu.orgblockedNCUA 24942 · New York, NY; not measured: HTTP 403 | — | No | — | |
| Berrien Teachers no website on recordNCUA 14011 · Nashville, GA; no web address reported on the NCUA call report | — | No | — | |
| Ibew 141 no website on recordNCUA 14712 · Saint Clairsvil, OH; no web address reported on the NCUA call report | — | No | — | |
| Hammond Firefighters Association. no website on recordNCUA 82762 · Hammond, IN; no web address reported on the NCUA call report | — | No | — | |
| Salina Municipal no website on recordNCUA 67800 · Salina, KS; no web address reported on the NCUA call report | — | No | — | |
| Natchez Educators no website on recordNCUA 24896 · Natchez, MS; no web address reported on the NCUA call report | — | No | — | |
| Logan County School Employees no website on recordNCUA 24200 · Logan, WV; no web address reported on the NCUA call report | — | No | — | |
| Froid no website on recordNCUA 3602 · Froid, MT; no web address reported on the NCUA call report | — | No | — | |
| St. Philip's Church no website on recordNCUA 7172 · New York, NY; no web address reported on the NCUA call report | — | No | — | |
| Brentwood Baptist Church bbcfcu.orgNCUA 24463 · Houston, TX | 41 | Gated | 21 | |
| Hobart Ind School Employees no website on recordNCUA 8255 · Hobart, IN; no web address reported on the NCUA call report | — | No | — | |
| Cabot Employees no website on recordNCUA 62441 · Franklin, LA; no web address reported on the NCUA call report | — | No | — | |
| Plainfield Police & Firemen's no website on recordNCUA 2892 · Plainfield, NJ; no web address reported on the NCUA call report | — | No | — | |
| Manchester no website on recordNCUA 15296 · Manchester, MA; no web address reported on the NCUA call report | — | No | — | |
| Ethicon Suture no website on recordNCUA 61448 · River Forest, IL; no web address reported on the NCUA call report | — | No | — | |
| North Sanpete no website on recordNCUA 13224 · Fairview, UT; no web address reported on the NCUA call report | — | No | — | |
| Gary Police Department Employees no website on recordNCUA 3251 · Gary, IN; no web address reported on the NCUA call report | — | No | — | |
| Shaker Heights no website on recordNCUA 3787 · Shaker Heights, OH; no web address reported on the NCUA call report | — | No | — | |
| Akron School Employees asefcu.netNCUA 13367 · Akron, NY | 33 | Gated | 1 | |
| Clifford-Jacobs Employees no website on recordNCUA 60627 · Champaign, IL; no web address reported on the NCUA call report | — | No | — | |
| Mid Plains no website on recordNCUA 67812 · Glasco, KS; no web address reported on the NCUA call report | — | No | — | |
| Concora Wabash no website on recordNCUA 3006 · Wabash, IN; no web address reported on the NCUA call report | — | No | — | |
| St. John United stjohnunitedfcu.comNCUA 21355 · Buffalo, NY | 33 | Gated | 20 | |
| Maryknoll of L A no website on recordNCUA 10648 · Los Angeles, CA; no web address reported on the NCUA call report | — | No | — | |
| Texas Gulf Carolina Emp no website on recordNCUA 66320 · Aurora, NC; no web address reported on the NCUA call report | — | No | — | |
| Messiah Baptist-Jubilee mbjfcu.orgNCUA 24043 · Brockton, MA | 44 | No | 1 | |
| Morning Star no website on recordNCUA 14610 · Tulsa, OK; no web address reported on the NCUA call report | — | No | — | |
| Nrs Community Development starfcu.netNCUA 24583 · Birmingham, AL | 61 | No | 2 | |
| Bradford Area School Employees basecu.orgNCUA 24857 · Bradford, PA | 70 | No | 1 | |
| South Sanpete no website on recordNCUA 67130 · Manti, UT; no web address reported on the NCUA call report | — | No | — | |
| Mt. Airy Baptist Church no website on recordNCUA 24219 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| First Baptist Church of Vienna (VA) no website on recordNCUA 24535 · Vienna, VA; no web address reported on the NCUA call report | — | No | — | |
| Fellowship Baptist Church fellowshipchicagocu.comNCUA 64252 · Chicago, IL | 48 | Gated | 32 | |
| Teamsters Local Union #270 no website on recordNCUA 20550 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Littlefield School Employees no website on recordNCUA 12289 · Littlefield, TX; no web address reported on the NCUA call report | — | No | — | |
| Hardin County Hospital Employees no website on recordNCUA 68120 · Savannah, TN; no web address reported on the NCUA call report | — | No | — | |
| Amnh Employees no website on recordNCUA 930 · New York, NY; no web address reported on the NCUA call report | — | No | — | |
| Mount Vernon NY Postal Employees mtvernonpostalefcu.comNCUA 132 · Mount Vernon, NY | 55 | Gated | 25 | |
| Wcg Employees no website on recordNCUA 68153 · Martin, TN; no web address reported on the NCUA call report | — | No | — | |
| St. Michaels no website on recordNCUA 11340 · Craig, CO; no web address reported on the NCUA call report | — | No | — | |
| B.s. and C.p. Hospitals Employees no website on recordNCUA 20585 · Bronx, NY; no web address reported on the NCUA call report | — | No | — | |
| Pilgrim Cucc no website on recordNCUA 15817 · Houston, TX; no web address reported on the NCUA call report | — | No | — | |
| Harrison Teachers harrisonteachersfcu.comNCUA 2806 · Harrison, NY | 33 | Gated | 1 | |
| Abyssinian Baptist Church abyssinianfcu.orgNCUA 4170 · New York City, NY | 65 | No | 4 | |
| E R R L errffcu.comNCUA 4871 · Wyndmoor, PA | 33 | Gated | 1 | |
| Mojave Plant Employees no website on recordNCUA 11900 · Mojave, CA; no web address reported on the NCUA call report | — | No | — | |
| Phi Beta Sigma pbsfcu.orgNCUA 24262 · Washington, DC | 33 | Gated | 1 | |
| Becco Buffalo no website on recordNCUA 10225 · Tonawanda, NY; no web address reported on the NCUA call report | — | No | — | |
| Northern Montana Hospital no website on recordNCUA 19285 · Havre, MT; no web address reported on the NCUA call report | — | No | — | |
| G G W no website on recordNCUA 15588 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Terminals no website on recordNCUA 17969 · Carteret, NJ; no web address reported on the NCUA call report | — | No | — | |
| Fourth Ward no website on recordNCUA 7877 · Amite, LA; no web address reported on the NCUA call report | — | No | — | |
| Stratton Air National Guard no website on recordNCUA 10773 · Scotia, NY; no web address reported on the NCUA call report | — | No | — | |
| Texas Lee texaslee.orgNCUA 18218 · Houston, TX | 56 | No | 2 | |
| Washington Educational Assoc no website on recordNCUA 16256 · Franklinton, LA; no web address reported on the NCUA call report | — | No | — | |
| Arise Community ariseccu.orgNCUA 68740 · Minneapolis, MN | 55 | No | 32 | |
| Police no website on recordNCUA 66663 · Sheboygan, WI; no web address reported on the NCUA call report | — | No | — | |
| Church of the Master wwwchurchofthemasterfcu.comNCUA 5127 · New York, NY | 33 | Gated | 1 | |
| Pear Orchard no website on recordNCUA 17105 · Beaumont, TX; 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