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 8,401–8,500 of 8,519 · page 85 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Messiah Baptist Church mbcfcu.orgNCUA 21440 · East Orange, NJ | 60 | No | 11 | |
| Issaquena County no website on recordNCUA 19253 · Mayersville, MS; no web address reported on the NCUA call report | — | No | — | |
| Young Community youngcommunitycredituniNCUA 24950 · Louisville, KY | 33 | Gated | 1 | |
| White Plains P O Employees no website on recordNCUA 3110 · White Plains, NY; no web address reported on the NCUA call report | — | No | — | |
| Reavis - Stickney no website on recordNCUA 61056 · Burbank, IL; no web address reported on the NCUA call report | — | No | — | |
| Battery Employees no website on recordNCUA 17588 · Attica, IN; no web address reported on the NCUA call report | — | No | — | |
| New Life no website on recordNCUA 24853 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| U B C Southern Council Industria Wo no website on recordNCUA 22219 · Minden, LA; no web address reported on the NCUA call report | — | No | — | |
| MEA no website on recordNCUA 65896 · Monticello, IL; no web address reported on the NCUA call report | — | No | — | |
| Smartchoice smartchoicecu.comblockedNCUA 64731 · Spring Valley, IL; not measured: HTTP 403 | — | No | — | |
| Mount Carmel Baptist no website on recordNCUA 16525 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| S T S P no website on recordNCUA 15089 · Lacombe, LA; no web address reported on the NCUA call report | — | No | — | |
| C T a F C ctafccreditunion.orgNCUA 18882 · Chicago, IL | 33 | Gated | 1 | |
| Holy Redeemer Community of Se Wis. holyredeemerccu.comNCUA 68044 · Milwaukee, WI | 51 | No | 1 | |
| Steamfitters Phila no website on recordNCUA 18234 · West Chester, PA; no web address reported on the NCUA call report | — | No | — | |
| Fidelis fidelisfcu.orgNCUA 11380 · New York, NY | 39 | Gated | 1 | |
| Sts Peter & Paul no website on recordNCUA 18823 · Brooklyn, NY; no web address reported on the NCUA call report | — | No | — | |
| Empowerment Community Development ecdfcu.comNCUA 24769 · Houston, TX | 51 | Gated | 31 | |
| St. Gregory Parish stgregorycu.orgNCUA 60680 · Chicago, IL | 34 | Gated | 13 | |
| Citizens Choice citizenscfcu.orgNCUA 17715 · Natchez, MS | 64 | No | 9 | |
| Los Angeles Lee no website on recordNCUA 16570 · Los Angeles, CA; no web address reported on the NCUA call report | — | No | — | |
| Musicians musiciansdfw.orgNCUA 17361 · Arlington, TX | 47 | No | 32 | |
| Municipal Employees no website on recordNCUA 10011 · Bogalusa, LA; no web address reported on the NCUA call report | — | No | — | |
| Our Family Social no website on recordNCUA 64938 · Omaha, NE; no web address reported on the NCUA call report | — | No | — | |
| Harris Employees no website on recordNCUA 67563 · Cordele, GA; no web address reported on the NCUA call report | — | No | — | |
| Immaculate Heart of Mary no website on recordNCUA 63143 · Lafayette, LA; no web address reported on the NCUA call report | — | No | — | |
| Richland Parish Schools richland.k12.la.usNCUA 22785 · Rayville, LA; the reported address pointed at a page, the site root is scanned | 52 | No | 30 | |
| Union no website on recordNCUA 7301 · Farmerville, LA; no web address reported on the NCUA call report | — | No | — | |
| Olivet Baptist no website on recordNCUA 68165 · Cordova, TN; no web address reported on the NCUA call report | — | No | — | |
| Kief Protective Mutual Benefit Ass. no website on recordNCUA 61265 · Bloomfield, CT; no web address reported on the NCUA call report | — | No | — | |
| Avenue Baptist Brotherhood no website on recordNCUA 11658 · Shreveport, LA; no web address reported on the NCUA call report | — | No | — | |
| Mini-Cassia Empl. no website on recordNCUA 82527 · Burley, ID; no web address reported on the NCUA call report | — | No | — | |
| North Little Rock Educators nlrsd.orgblockedNCUA 24434 · North Little Ro, AR; the reported address pointed at a page, the site root is scanned; not measured: HTTP 406 | — | No | — | |
| African Diaspora adfcu.orgNCUA 24975 · Saint Ann, MO | 61 | No | 14 | |
| Gary Municipal Employees no website on recordNCUA 16126 · Gary, IN; no web address reported on the NCUA call report | — | No | — | |
| Delancey Street no website on recordNCUA 21393 · San Francisco, CA; no web address reported on the NCUA call report | — | No | — | |
| U S Employees no website on recordNCUA 6672 · Fairmont, WV; no web address reported on the NCUA call report | — | No | — | |
| Camden Firemen's no website on recordNCUA 24903 · Moorestown, NJ; no web address reported on the NCUA call report | — | No | — | |
| Quindaro Homes no website on recordNCUA 8216 · Kansas City, KS; no web address reported on the NCUA call report | — | No | — | |
| Lonza no website on recordNCUA 14617 · Williamsport, PA; no web address reported on the NCUA call report | — | No | — | |
| F a B Church fabfcu.comNCUA 9527 · Savannah, GA | 45 | No | 1 | |
| Akron no website on recordNCUA 10253 · Akron, CO; no web address reported on the NCUA call report | — | No | — | |
| St. Mark st.markcu.orgNCUA 61566 · Chicago, IL | 33 | Gated | 1 | |
| First Frontier no website on recordNCUA 24270 · Lynbrook, NY; no web address reported on the NCUA call report | — | No | — | |
| Brunswick County Teachers no website on recordNCUA 10636 · Lawrenceville, VA; no web address reported on the NCUA call report | — | No | — | |
| Unified Homeowners of Illinois uhifcu.virtualcu.netNCUA 24767 · Chicago, IL | 52 | Gated | 25 | |
| St. Mary Parish School Emp. no website on recordNCUA 22417 · Franklin, LA; no web address reported on the NCUA call report | — | No | — | |
| Eagle Can Employees no website on recordNCUA 17126 · Wellsburg, WV; no web address reported on the NCUA call report | — | No | — | |
| St. Athanasius no website on recordNCUA 65136 · Jesup, IA; no web address reported on the NCUA call report | — | No | — | |
| Alton Municipal Employees no website on recordNCUA 10308 · Alton, IL; no web address reported on the NCUA call report | — | No | — | |
| Paris District no website on recordNCUA 67499 · Paris, TX; no web address reported on the NCUA call report | — | No | — | |
| Mt. Zion no website on recordNCUA 67024 · Zion, IL; no web address reported on the NCUA call report | — | No | — | |
| M.w.p.h. Grand Lodge of Illinois no website on recordNCUA 24123 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| Israel Memorial a M E no website on recordNCUA 10803 · Newark, NJ; no web address reported on the NCUA call report | — | No | — | |
| Services no website on recordNCUA 96066 · Naperville, IL; no web address reported on the NCUA call report | — | No | — | |
| Valley Wide no website on recordNCUA 14657 · Vernal, UT; no web address reported on the NCUA call report | — | No | — | |
| West Side Baptist Church no website on recordNCUA 21683 · Saint Louis, MO; no web address reported on the NCUA call report | — | No | — | |
| H a L E no website on recordNCUA 10778 · Indianapolis, IN; no web address reported on the NCUA call report | — | No | — | |
| Spc Brooklyn no website on recordNCUA 18858 · Brooklyn, NY; no web address reported on the NCUA call report | — | No | — | |
| St. Martin DE Porres Parish no website on recordNCUA 14058 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| W. Virginia State Convention no website on recordNCUA 68112 · Hilltop, WV; no web address reported on the NCUA call report | — | No | — | |
| New Orleans Public Belt Railroad no website on recordNCUA 1665 · New Orleans, LA; no web address reported on the NCUA call report | — | No | — | |
| Mahoning Valley mahoningvalleyfcu.comNCUA 14469 · Youngstown, OH | 59 | No | 1 | |
| St. Ludmila S no website on recordNCUA 65062 · Cedar Rapids, IA; no web address reported on the NCUA call report | — | No | — | |
| Mount Pleasant Baptist Church no website on recordNCUA 24640 · Alexandria, VA; no web address reported on the NCUA call report | — | No | — | |
| Cleveland Church of Christ no website on recordNCUA 22151 · Cleveland, OH; no web address reported on the NCUA call report | — | No | — | |
| Wright-Dunbar Area no website on recordNCUA 96691 · Dayton, OH; no web address reported on the NCUA call report | — | No | — | |
| Paul Quinn paulquinnfcu.orgNCUA 23658 · Jamaica, NY | 56 | Gated | 5 | |
| Urban Empowerment ue-fcu.comNCUA 20060 · New York, NY | 66 | No | 3 | |
| Shiloh Englewood shilohenglewoodfcu.comNCUA 15454 · Chicago, IL | 51 | Gated | 9 | |
| Meriden Postal Employees no website on recordNCUA 153 · Meriden, CT; no web address reported on the NCUA call report | — | No | — | |
| Presto Lewiston Employees no website on recordNCUA 67108 · Lewiston, UT; no web address reported on the NCUA call report | — | No | — | |
| Cogic cogiccu.orgNCUA 65780 · Lafayette, LA | 33 | Gated | 1 | |
| Union Baptist Greenburgh ubgfcu.comNCUA 16790 · White Plains, NY | 33 | Gated | 1 | |
| St. Helena Parish sthelenacreditunion.comNCUA 66296 · Chicago, IL | 53 | No | 19 | |
| Sunflower no website on recordNCUA 3868 · Valley Center, KS; no web address reported on the NCUA call report | — | No | — | |
| First Baptist Church (Stratford) no website on recordNCUA 21614 · Stratford, CT; no web address reported on the NCUA call report | — | No | — | |
| Heekin Can Empl no website on recordNCUA 96821 · Cincinnati, OH; no web address reported on the NCUA call report | — | No | — | |
| Pinn Memorial no website on recordNCUA 16728 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Gideon no website on recordNCUA 24614 · Waukegan, IL; no web address reported on the NCUA call report | — | No | — | |
| Pilgrim Baptist no website on recordNCUA 65231 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| Sargent no website on recordNCUA 9613 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| Greater Centennial greatercentennialfcu.coNCUA 19775 · Mount Vernon, NY | 33 | Gated | 1 | |
| Far Rockaway Postal no website on recordNCUA 4246 · Far Rockaway, NY; no web address reported on the NCUA call report | — | No | — | |
| Bristol VA School System no website on recordNCUA 11567 · Bristol, VA; no web address reported on the NCUA call report | — | No | — | |
| Catholics United no website on recordNCUA 68547 · Hutchinson, KS; no web address reported on the NCUA call report | — | No | — | |
| Natco Employees no website on recordNCUA 16614 · West Warwick, RI; no web address reported on the NCUA call report | — | No | — | |
| Iberia Parish no website on recordNCUA 4416 · New Iberia, LA; no web address reported on the NCUA call report | — | No | — | |
| S I Philadelphia no website on recordNCUA 11783 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Mt. Jezreel no website on recordNCUA 24246 · Silver Spring, MD; no web address reported on the NCUA call report | — | No | — | |
| Berean bereancreditunion.comNCUA 66089 · Chicago, IL | 47 | Gated | 13 | |
| Saint John a M E no website on recordNCUA 18528 · Niagara Falls, NY; no web address reported on the NCUA call report | — | No | — | |
| Wayland Temple Baptist no website on recordNCUA 22007 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Paramount Baptist Church no website on recordNCUA 24073 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| M.a.b.c. no website on recordNCUA 24266 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Beckstrand and Associates no website on recordNCUA 67140 · Salt Lake City, UT; no web address reported on the NCUA call report | — | No | — | |
| Heard A.m.e. no website on recordNCUA 23615 · Roselle, NJ; no web address reported on the NCUA call report | — | No | — | |
| Pmi Employees no website on recordNCUA 17691 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| Stephens County Community no website on recordNCUA 20890 · Toccoa, GA; no web address reported on the NCUA call report | — | No | — | |
| Mount Vernon Baptist Church no website on recordNCUA 63595 · Durham, NC; 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