Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
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Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

MSU Federal Credit Union

msufcu.org

Credit unionsBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
2,165 of 2,219
its rank by overall score
Place in its category
83rd of 85 credit unions
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for MSU Federal Credit Union

AI assistants do not name this credit union in any of their 60 answers. Its overall score is 21 out of 100, ranking 2,165th of 2,219, while the typical company in its sector scores 28. Its website passes 1 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned MSU Federal Credit Union by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 188th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
21Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality60
  • AI readiness7
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
no answer named it or its 5 peers
AI readiness
1/14
technical checks passed. Typical for its sector: 3
Rank in its sector
376 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

MSU Federal Credit Union came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Are credit union mortgage rates generally lower than those at national banks?0/4
  2. 02How does a credit union differ from a traditional bank for managing savings and checking accounts?0/4
  3. 03What financial tools do credit unions provide for first-time homebuyers?0/4
  4. 04Is joining a credit union worth it for getting lower interest rates on auto loans?0/4
  5. 05Are credit unions a smart choice for building credit with a secured credit card?0/4
  6. 06What are the best credit unions for college students looking for low fees and digital banking options?0/4
  7. 07Which credit unions in the U.S. offer comprehensive financial services for families?0/4
  8. 08What should I do if I’m locked out of my credit union's online banking platform?0/4
  9. 09Ways to set up automatic bill pay through a credit union account?0/4
  10. 10Credit unions vs. online-only banks: which is better for personal loans and day-to-day banking?0/4
  11. 11Alternatives to credit unions for people seeking low-cost financial services?0/4
  12. 12Why did my debit card transaction get declined at a credit union?0/4
  13. 13How can credit unions help students manage finances while attending college?0/4
  14. 14Best options if you don’t qualify for credit union membership in your area?0/4
  15. 15What typical monthly fees do credit unions charge for checking accounts in the U.S.?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

PayeesSection 02

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Share of mentions

CompanyShare
  1. MSU Federal Credit Union
    0.0%
  2. Lake Trust Credit Union
    0.0%
  3. CASE Credit Union
    0.0%
  4. Lansing Automakers Federal Credit Union (LAFCU)
    0.0%
  5. Michigan State University Federal Credit Union (U of M Credit Union)
    0.0%
  6. ELGA Credit Union
    0.0%
ReferrersSection 03

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    13
  2. 02
    cnbc.com
    8
  3. 03
    experian.com
    7
  4. 04
    wsj.com
    6
  5. 05
    nerdwallet.com
    6
  6. 06
    forbes.com
    5
  7. 07
    investopedia.com
    5
  8. 08
    finance.yahoo.com
    4
  9. 09
    usnews.com
    4
  10. 10
    sofi.com
    4

MSU Federal Credit Union is in the study as a credit union.

By assistantSection 04

Which AI assistants named the company

Answers naming it, out of answers received

Claude
0/15
Gemini
0/15
OpenAI
0/15
Perplexity
0/15
Market comparisonSection 05

How MSU Federal Credit Union compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
0

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
60

How well built the website's own pages are

AI readiness
7

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 06

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
21
Ranks 376 of 394. Typical company: 28
Named in answers
0.0%
Ranks 188 of 394. Typical company: 0.0%
AI readiness
7
Ranks 362 of 394. Typical company: 29
Against its categorySection 07

Compared with credit unions

85 companies in this category. The gold tick on each bar is the typical company.

Overall score
21
Ranks 83 of 85. Typical company: 31
Named in answers
0.0%
Ranks 51 of 85. Typical company: 3.3%
AI readiness
7
Ranks 78 of 85. Typical company: 21
AI agentsSection 08

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers

Some checks could not run. With them, up to level 1 would be possible.

The website turns away requests that do not come from a browser. AI agents that say what they are meet the same refusal.

Can an AI agent check out here?

Not by itself. MSU Federal Credit Union publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPCould not check
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
100 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapCould not check

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersCould not check

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationCould not check

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdCould not check

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 23 of 100 · 70% of checks could run · checked on October 9, 2026 · www.msufcu.org · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 09

The checks behind the AI readiness score

1 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • Not metToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 10

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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