Independent technical audit

creditunions.fyi

Overall AI readiness score

A combined result across all audit signals.

Excellent

AI readiness audit: 10/27/2026Public technical data

About the site

CreditUnions is a directory that lists federally insured US credit unions and the data they file with the NCUA. Each listing shows the charter, field of membership, total assets and member counts, with sections by state, city and category. It helps people find a credit union they are actually eligible to join.

Category:: Finance and banking
Platform:: Next.js

Written by AI from the site’s llms.txt and homepage.

Overall AI readiness assessment

How ready creditunions.fyi is for AI systems

100/100

CreditUnions was independently audited by llmsmap. creditunions.fyi currently scores 100/100 for AI readiness. The result combines AI-specific files, crawler policy, sitemap discovery, structured homepage data, and—when available—the mobile Google Lighthouse technical profile.

Audit context

llms.txt is accessible and contains 2,324 tokens. An expanded llms-full.txt is also available with 6,236 tokens, giving agents more direct context. A separate ai.txt policy is published.

robots.txt is available. 11 of 11 tracked AI bots are not blocked. Declared sitemaps: 1. The homepage exposes Schema.org types Organization, WebPage, WebSite, Dataset, Service and others; 10 OpenGraph tags were found and markup completeness is 100%.

The mobile Lighthouse profile adds Performance 98/100, Accessibility 100/100, Best Practices 100/100, SEO 100/100, and experimental Agentic Browsing 100/100. These signals have a limited weight: they complement rather than replace llms.txt, robots.txt, and structured-data checks.

Confirmed strengths

Accessible llms.txt
Expanded llms-full.txt
Published AI policy
1 sitemap declaration
Schema.org: Organization, WebPage
Complete social metadata

Priority improvements

1Keep machine-readable files and markup aligned with future site changes.

llms.txt tokens2,324

llms-full.txt tokens6,236

ai.txt

sitemap.xml

Google Lighthouse technical profile

A mobile Lighthouse measurement. Google’s experimental Agentic Browsing category is explained separately and does not replace the broader llmsmap AI-readiness score.

Mobile · Lighthouse

Performance

100

Accessibility

100

Best Practices

100

Technical SEO

100

Agentic Browsing

What these results mean

The mobile page renders efficiently; its largest visible content block appeared in 2.1 s.

Accessibility scored 100/100, Best Practices 100/100, and technical SEO 100/100. The experimental Agentic Browsing category scored 100/100. It measures signals Google currently tests for software agents and is shown separately from the llmsmap AI-readiness score.

Free the main thread and accelerate the first view

Split long JavaScript tasks, defer non-critical scripts and styles, and shorten blocking request chains. This helps the primary content appear sooner and makes controls usable earlier.

Reduce code that loads without helping the page

Remove unused CSS and JavaScript, load heavy widgets on demand, and limit third-party scripts. Less code means less parsing and background work on the device.

FCP1.4 s

First content

LCP2.1 s

Main content

CLS0.009

Layout stability

TBT40 ms

Blocking time

SI3.4 s

Visual speed

Metric glossary

FCP · First content: When the first text or image appeared on screen.
LCP · Main content: When the largest visible element in the first viewport rendered.
CLS · Layout stability: How much content shifted unexpectedly while loading; lower is better.
TBT · Blocking time: How long the browser main thread could not respond quickly to input.
SI · Visual speed: How quickly the visible viewport filled with content.

10/27/2026Lighthouse 13.5.0Mobile profile

AI readiness checks

Machine-readable files, crawler policy, discovery, and homepage markup.

llms.txt

File found and accessible

https://creditunions.fyi/llms.txt

llms-full.txt

Full version is available

https://creditunions.fyi/llms-full.txt

ai.txt

AI rules are defined

https://creditunions.fyi/ai.txt

robots.txt

File found

https://creditunions.fyi/robots.txt

Sitemap in robots.txt1

1 sitemap found

Schema.org (JSON-LD)

Types: Organization, WebPage, WebSite, Dataset, Service, FAQPage

OpenGraph100%

10 OG tags found

AI bot access

Based on robots.txt analysis

GPTBotAllowed

OAI-SearchBotAllowed

ChatGPT-UserAllowed

Google-ExtendedAllowed

ClaudeBotAllowed

Claude-SearchBotAllowed

Claude-UserAllowed

BytespiderAllowed

CCBotAllowed

PerplexityBotAllowed

Perplexity-UserAllowed

Sitemaps

Declared discovery routes for crawlers and agents.

https://creditunions.fyi/sitemap.xml

OpenGraph tags

Social preview metadata found on the homepage.

Markup completeness: 100%

og:titleCredit unions you can join | CreditUnions

og:descriptionCreditUnions lists 34 credit unions from the NCUA register. Filter by field of membership to see who can join.

og:urlhttps://creditunions.fyi

og:site_nameCreditUnions

og:localeen

og:imagehttps://creditunions.fyi/og

og:image:width1200

og:image:height630

og:image:altCredit unions you can join | CreditUnions

og:typewebsite

Schema.org markup

Structured entities and properties exposed on the homepage.

Types found: 6 · Properties: 10

OrganizationWebPageWebSiteDatasetServiceFAQPage

nameCreditUnions

urlhttps://creditunions.fyi/

logohttps://creditunions.fyi/brand/logo.svg

contactPoint{"@type":"ContactPoint","contactType":"customer support","email":"hello@creditunions.fyi"}

descriptionCreditUnions lists 34 credit unions from the NCUA register. Filter by field of membership to see who can join.

inLanguageen

author{"@id":"https://creditunions.fyi/#organization"}

publisher{"@id":"https://creditunions.fyi/#organization"}

potentialAction{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://creditunions.fyi/search?q={search_term_str

dateModified2026-10-21T15:19:28.656Z

# CreditUnions

> Which credit union can you join? Compare eligibility.

> **Not financial advice.** CreditUnions lists federally insured credit unions and the data they file with the NCUA. It is not financial advice and a listing is not a recommendation. Figures come from the most recent quarterly call report and were last checked on the date shown on each listing; they change, so confirm everything with the credit union before you join. To report a mistake, write to hello@creditunions.fyi.

CreditUnions lists 34 credit unions. Updated 2026-10-21. Every page has a markdown copy: add `.md` to its URL, or send `Accept: text/markdown`. The home page copy is [index.md](https://creditunions.fyi/index.md).

## Regions

- [New York](https://creditunions.fyi/new-york.md): 5 credit unions
- [California](https://creditunions.fyi/california.md): 3 credit unions
- [District of Columbia](https://creditunions.fyi/district-of-columbia.md): 2 credit unions
- [Pennsylvania](https://creditunions.fyi/pennsylvania.md): 2 credit unions
- [Tennessee](https://creditunions.fyi/tennessee.md): 2 credit unions
- [Arizona](https://creditunions.fyi/arizona.md): 1 credit union
- [Colorado](https://creditunions.fyi/colorado.md): 1 credit union
- [Florida](https://creditunions.fyi/florida.md): 1 credit union
- [Georgia](https://creditunions.fyi/georgia.md): 1 credit union
- [Idaho](https://creditunions.fyi/idaho.md): 1 credit union
- [Illinois](https://creditunions.fyi/illinois.md): 1 credit union
- [Indiana](https://creditunions.fyi/indiana.md): 1 credit union
- [Kentucky](https://creditunions.fyi/kentucky.md): 1 credit union
- [Louisiana](https://creditunions.fyi/louisiana.md): 1 credit union
- [Massachusetts](https://creditunions.fyi/massachusetts.md): 1 credit union
- [Michigan](https://creditunions.fyi/michigan.md): 1 credit union
- [Minnesota](https://creditunions.fyi/minnesota.md): 1 credit union
- [North Carolina](https://creditunions.fyi/north-carolina.md): 1 credit union
- [Ohio](https://creditunions.fyi/ohio.md): 1 credit union
- [Oregon](https://creditunions.fyi/oregon.md): 1 credit union
- [Texas](https://creditunions.fyi/texas.md): 1 credit union
- [Utah](https://creditunions.fyi/utah.md): 1 credit union
- [Virginia](https://creditunions.fyi/virginia.md): 1 credit union
- [Washington](https://creditunions.fyi/washington.md): 1 credit union
- [Wisconsin](https://creditunions.fyi/wisconsin.md): 1 credit union

## Credit unions by city

- [Washington, District of Columbia](https://creditunions.fyi/district-of-columbia/washington.md): 2 credit unions
- [Philadelphia, Pennsylvania](https://creditunions.fyi/pennsylvania/philadelphia.md): 2 credit unions
- [Phoenix, Arizona](https://creditunions.fyi/arizona/phoenix.md): 1 credit union
- [Anaheim, California](https://creditunions.fyi/california/anaheim.md): 1 credit union
- [San Diego, California](https://creditunions.fyi/california/san-diego.md): 1 credit union
- [Santa Ana, California](https://creditunions.fyi/california/santa-ana.md): 1 credit union
- [Colorado Spring, Colorado](https://creditunions.fyi/colorado/colorado-spring.md): 1 credit union
- [Tampa, Florida](https://creditunions.fyi/florida/tampa.md): 1 credit union
- [Atlanta, Georgia](https://creditunions.fyi/georgia/atlanta.md): 1 credit union
- [Chubbuck, Idaho](https://creditunions.fyi/idaho/chubbuck.md): 1 credit union
- [Chicago, Illinois](https://creditunions.fyi/illinois/chicago.md): 1 credit union
- [South Bend, Indiana](https://creditunions.fyi/indiana/south-bend.md): 1 credit union
- [Frankfort, Kentucky](https://creditunions.fyi/kentucky/frankfort.md): 1 credit union
- [Barksdale Afb, Louisiana](https://creditunions.fyi/louisiana/barksdale-afb.md): 1 credit union
- [Rockland, Massachusetts](https://creditunions.fyi/massachusetts/rockland.md): 1 credit union
- [Grand Rapids, Michigan](https://creditunions.fyi/michigan/grand-rapids.md): 1 credit union
- [Plymouth, Minnesota](https://creditunions.fyi/minnesota/plymouth.md): 1 credit union
- [Bethpage, New York](https://creditunions.fyi/new-york/bethpage.md): 1 credit union
- [Endicott, New York](https://creditunions.fyi/new-york/endicott.md): 1 credit union
- [New York, New York](https://creditunions.fyi/new-york/new-york.md): 1 credit union
- [Smithtown, New York](https://creditunions.fyi/new-york/smithtown.md): 1 credit union
- [Westbury, New York](https://creditunions.fyi/new-york/westbury.md): 1 credit union
- [Raleigh, North Carolina](https://creditunions.fyi/north-carolina/raleigh.md): 1 credit union
- [Beavercreek, Ohio](https://creditunions.fyi/ohio/beavercreek.md): 1 credit union
- [Portland, Oregon](https://creditunions.fyi/oregon/portland.md): 1 credit union
- [Kingsport, Tennessee](https://creditunions.fyi/tennessee/kingsport.md): 1 credit union
- [Oak Ridge, Tennessee](https://creditunions.fyi/tennessee/oak-ridge.md): 1 credit union
- [Universal City, Texas](https://creditunions.fyi/texas/universal-city.md): 1 credit union
- [Riverdale, Utah](https://creditunions.fyi/utah/riverdale.md): 1 credit union
- [Vienna, Virginia](https://creditunions.fyi/virginia/vienna.md): 1 credit union
- [Tukwila, Washington](https://creditunions.fyi/washington/tukwila.md): 1 credit union
- [Madison, Wisconsin](https://creditunions.fyi/wisconsin/madison.md): 1 credit union

## Categories

- [Credit unions](https://creditunions.fyi/category/credit-unions.md): 34 credit unions
- [Federal credit unions](https://creditunions.fyi/category/federal-credit-unions.md): 19 credit unions
- [State credit unions](https://creditunions.fyi/category/state-credit-unions.md): 15 credit unions
- [Community-charter credit unions](https://creditunions.fyi/category/community-charter-credit-unions.md): 7 credit unions

## Free tools

- [Credit union eligibility checker](https://creditunions.fyi/tools/credit-union-eligibility.md): Answer five questions about your work, community and family to see whether there is a credit union you can join.

## Membership guides

- [Common mistakes and questions about credit unions](https://creditunions.fyi/guides/common-mistakes-and-questions.md): People often assume they cannot join a credit union, skip the field-of-membership check, or confuse balance-sheet figures with rates and fees. Here is what to watch for.
- [Credit union rules in the United States](https://creditunions.fyi/guides/credit-union-rules-in-the-united-states.md) (United States): How the register describes US credit unions: federal and state charters, the field of membership, and the NCUA call report data behind each listing on this site.
- [How to choose a credit union](https://creditunions.fyi/guides/how-to-choose-a-credit-union.md): Check the field of membership first. If you cannot join, nothing else matters. Then compare charter type, assets and branch locations, and ask the credit union about fees and rates.
- [How to read a credit union listing](https://creditunions.fyi/guides/how-to-read-a-listing.md): Every listing on this site shows the charter number, field of membership, total assets and member count from the NCUA quarterly call report. Here is what each field means.

## About this site

- [About CreditUnions](https://creditunions.fyi/about.md): What CreditUnions is, where its data comes from, and how a listing is checked.
- [Contact CreditUnions](https://creditunions.fyi/contact.md): How to reach CreditUnions: our email address, how fast we reply, and how to add or fix a listing.
- [Link exchange with CreditUnions](https://creditunions.fyi/link-exchange.md): Swap links with CreditUnions for free. You link to us. We check the link. An approved site gets a partners page link, a guide mention, or a blog mention.
- [The credit union letter](https://creditunions.fyi/newsletter): A short email now and again: an eligibility rule worth knowing, a field-of-membership change, and one source note. No noise.

## Data sources

- [NCUA Credit Union and Corporate Call Report data (5300 quarterly)](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data): license US Government work, public domain (17 U.S.C. 105); licence recorded in NCUA's data inventory as https://www.usa.gov/government-works, refreshed quarterly
- [CreditUnions editors](https://creditunions.fyi/): license All rights reserved, refreshed manual

## API

- [OpenAPI 3.1 description](https://creditunions.fyi/api/v1/openapi.json): the read API as JSON
- [API guide](https://creditunions.fyi/developers): endpoints, examples, rate limits and how to credit the data
- [MCP server card](https://creditunions.fyi/.well-known/mcp/server-card.json): the MCP server at https://creditunions.fyi/mcp and its tools
- [Agent card](https://creditunions.fyi/.well-known/agent-card.json): the A2A agent at https://creditunions.fyi/a2a and its skills
- [Agent skills](https://creditunions.fyi/.well-known/agent-skills/index.json): a skill that explains the API and the MCP server
- [API catalog](https://creditunions.fyi/.well-known/api-catalog): the API description and the guide as an RFC 9727 linkset
- [WebMCP manifest](https://creditunions.fyi/webmcp): the tools as a manifest

## Optional

- [Every credit union with its facts](https://creditunions.fyi/llms-full.txt)
- [Sitemap](https://creditunions.fyi/sitemap.xml): every indexable page

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