US Banks and Credit Unions
banks-credit-unions
Every active FDIC-insured bank and federally insured credit union, largest by total assets first.
Middle of 14 cohorts. All cohorts 50 · best cohort 58.
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.
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% |
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% |
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.
4 tests almost nobody in this cohort passes
| 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 |
| 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 |
| 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 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 8,501–8,519 of 8,519 · page 86 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Heritage Hub heritagehubfederal.orgNCUA 24972 · Houston, TX | 67 | No | 32 | |
| Mt Zion Woodlawn no website on recordNCUA 18562 · Cincinnati, OH; no web address reported on the NCUA call report | — | No | — | |
| East End Baptist Tabernacle no website on recordNCUA 23896 · Bridgeport, CT; no web address reported on the NCUA call report | — | No | — | |
| Service Station Dealers no website on recordNCUA 24733 · Phila, PA; no web address reported on the NCUA call report | — | No | — | |
| Community no website on recordNCUA 7256 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| Berea no website on recordNCUA 23888 · Brooklyn, NY; no web address reported on the NCUA call report | — | No | — | |
| John Wesley Ame Zion Church no website on recordNCUA 22323 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| Mt Gilead no website on recordNCUA 6506 · Washington, DC; no web address reported on the NCUA call report | — | No | — | |
| Southern Baptist Church of New York no website on recordNCUA 23177 · New York, NY; no web address reported on the NCUA call report | — | No | — | |
| Imperial imperialcreditunion.orgNCUA 66300 · Springfield, IL | 34 | Gated | 13 | |
| McDowell County no website on recordNCUA 18950 · Welch, WV; no web address reported on the NCUA call report | — | No | — | |
| Bethel A.m.e. Church no website on recordNCUA 65680 · Chicago, IL; no web address reported on the NCUA call report | — | No | — | |
| Holy Trinity Baptist no website on recordNCUA 17269 · Philadelphia, PA; no web address reported on the NCUA call report | — | No | — | |
| Fair Break fairbreak.orgNCUA 24961 · Earle, AR | 55 | Gated | 19 | |
| Bank of China no website on recordFDIC 33652 · Flushing, New York; no web address reported to the FDIC | — | No | — | |
| Nola Bank no website on recordFDIC 59364 · New Orleans, Louisiana; no web address reported to the FDIC | — | No | — | |
| Private Bank & Trust no website on recordFDIC 59385 · Gainesville, Georgia; no web address reported to the FDIC | — | No | — | |
| Banco Cooperativo de Puerto Rico no website on recordFDIC 90709 · San Juan, Puerto Rico; no web address reported to the FDIC | — | No | — | |
| French-American Banking Corporation (NYIC) no website on recordFDIC 90846 · New York City, New York; no web address reported to the FDIC | — | 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