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
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

National Rural Utilities Cooperative Finance

nrucfc.coopNRUC

Small business banking and lendingBanking

Also in the US AI Visibility Study

Statement period
September 23 to 30, 2026
when the AI assistants were asked
Account no.
453 of 2,219
its rank by overall score
Place in its category
12th of 38 small business banking providers
Closing balance

Named in

21of 60 answers

by 4 of 4 assistants

Statement note

What this means for National Rural Utilities Cooperative Finance

AI assistants name National Rural Utilities Cooperative Finance in 35% of answers, while the typical company in its sector is named in 0% of answers. Its overall score is 37 out of 100, ranking 453rd of 2,219 companies. The company's website passes 2 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned National Rural Utilities Cooperative Finance by name. AI assistants named it in 21 of the 60 answers. Counting only how often it is named, it ranks 6th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
37Overall score
  • Visibility36
  • Citations4
  • Sentiment50
  • Site quality77
  • AI readiness14
Summary of account
Named by AI in
35.0%
21 of 60 answers
Share of mentions
40.4%
of the mentions of it and its 4 peers
AI readiness
2/14
technical checks passed. Typical for its sector: 3
Rank in its sector
72 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

National Rural Utilities Cooperative Finance came up on 11 of 15 questions. Open any window to read that answer.

  1. 01What should an electric utility consider if their current capital financing isn’t meeting their needs?0/4
  2. 02How can rural electric co-ops address challenges in securing long-term loans?2/4
  3. 03Are member-owned finance solutions better for rural utility cooperatives than commercial lending?2/4
  4. 04How to find trusted financial partners for electric co-op capital expenditure projects in the US3/4
  5. 05Differences between cooperative finance programs and federal utility loan options1/4
  6. 06Is it worth joining a cooperative finance organization for electric utilities?0/4
  7. 07What are the common fee structures for cooperative financial services to rural utilities?2/4
  8. 08How do member-owned financial services support grid modernization and renewable energy initiatives for utilities?2/4
  9. 09Best options besides member-owned finance organizations for rural utility infrastructure loans0/4
  10. 10How do rates and terms from cooperative financial organizations compare to commercial lenders for electric utilities?1/4
  11. 11How do nonprofit financial cooperatives compare to traditional banks for electric utility financing needs?1/4
  12. 12What are the best financing solutions for rural electric cooperatives managing infrastructure upgrades?2/4
  13. 13Most popular sources of capital for electric utility cooperatives in the US3/4
  14. 14Alternatives to cooperative financial services for electric utility project funding0/4
  15. 15Typical scenarios where electric co-ops use nonprofit finance cooperatives for project funding2/4
Total namedOpenAI: 2/15Claude: 8/15Perplexity: 1/15Gemini: 10/15All assistants: 21/60
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.

Transaction detailSection 02

What Gemini actually said

An answer that names the company

Gemininamed the company

“What are the common fee structures for cooperative financial services to rural utilities?”

Cooperative financial services for rural utilities, such as those provided by the National Rural Utilities Cooperative Finance Corporation (CFC), are designed to offer cost-based financial products rather than maximizing net income. This approach is influenced by their cooperative structure and non-profit, tax-exempt status.

Here are some common fee structures and financing approaches:

Cost-Based Financial Products: CFC's objective is to provide financial products at a cost that supports the rural utility industry, rather than to maximize its own profits. This differs from traditiona …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

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

Also named

CompanyTimes named
  1. 01
    CoBank
    18
  2. 02
    National Rural Utilities Cooperative Finance Corporation (CFC)
    4
  3. 03
    Farm Credit System
    1

Share of mentions

CompanyShare
  1. CoBank
    48.1%
  2. National Rural Utilities Cooperative Finance
    40.4%
  3. National Cooperative Services Corporation (NCSC)
    9.6%
  4. Farm Credit System
    1.9%
  5. Rural Utilities Service (RUS) – US Department of Agriculture
    0.0%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    cooperative.com
    47
  2. 02
    rd.usda.gov
    47
  3. 03
    electric.coop
    33
  4. 04
    cobank.com
    28
  5. 05
    nrucfc.coop (its own website)
    26
  6. 06
    eesi.org
    24
  7. 07
    federalreserve.gov
    14
  8. 08
    ncbaclusa.coop
    11
  9. 09
    cleanenergyworks.org
    11
  10. 10
    rmi.org
    9

National Rural Utilities Cooperative Finance is in the study as a small business banking provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
10/15
Claude
8/15
OpenAI
2/15
Perplexity
1/15
Market comparisonSection 06

How National Rural Utilities Cooperative Finance 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
36

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

Citations
4

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

Sentiment
50

How positively AI describes the company

Site quality
77

How well built the website's own pages are

AI readiness
14

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 07

Compared with banking companies

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

Overall score
37
Ranks 72 of 394. Typical company: 28
Named in answers
35.0%
Ranks 6 of 394. Typical company: 0.0%
AI readiness
14
Ranks 335 of 394. Typical company: 29
Against its categorySection 08

Compared with small business banking providers

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

Overall score
37
Ranks 12 of 38. Typical company: 29
Named in answers
35.0%
Ranks 1 of 38. Typical company: 1.7%
AI readiness
14
Ranks 34 of 38. Typical company: 29
AI agentsSection 09

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
Can an AI agent check out here?

Not by itself. National Rural Utilities Cooperative Finance 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
  • MPPNot present
  • 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
41 of 100
  • robots.txtPassed

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

    study: 86.1%
  • SitemapNot met

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

    study: 87.9%
  • Link headersNot met

    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 negotiationNot met

    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.mdNot met

    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 16 of 100 · 97% of checks could run · checked on October 5, 2026 · www.nrucfc.coop · 2,200 companies scanned

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

AI readinessSection 10

The checks behind the AI readiness score

2 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%
  • PassedToken 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 11

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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ShareSection 12

Share this result

Overall score 37 of 100 badge for National Rural Utilities Cooperative Finance

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/nrucfc.coop"><img src="https://aeo-audit.rezolve.com/finance/badges/nrucfc.coop.svg" alt="Overall score 37 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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