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

St. Cloud Financial Credit Union

scfcu.org

Credit unionsBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
266 of 2,219
its rank by overall score
Place in its category
13th of 85 credit unions
Closing balance

Named in

4of 60 answers

by 4 of 4 assistants

Statement note

What this means for St. Cloud Financial Credit Union

AI assistants name St. Cloud Financial Credit Union in 6.7% of answers, which is more often than the typical company in its sector. Its overall score is 40 out of 100, ranking 266th of 2,219 companies. The website passes 4 out of 14 technical checks showing some AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned St. Cloud Financial Credit Union by name. AI assistants named it in 4 of the 60 answers. Counting only how often it is named, it ranks 98th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility19
  • Citations1
  • Sentiment100
  • Site quality73
  • AI readiness29
Summary of account
Named by AI in
6.7%
4 of 60 answers
Share of mentions
66.7%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 3
Rank in its sector
36 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

St. Cloud Financial Credit Union came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Are community-driven credit unions a good choice for small business banking?0/4
  2. 02Credit union vs. online bank for auto loans—what are the main differences?0/4
  3. 03Is joining a local credit union worth it for better savings account rates?0/4
  4. 04Recommended financial products for young adults just starting out with a local credit union0/4
  5. 05Alternatives to traditional banks for people prioritizing local impact and service0/4
  6. 06What are the best checking account options for families seeking community-focused banking in Minnesota?0/4
  7. 07What are some options outside of credit unions for community-focused banking?0/4
  8. 08Ways to use credit union financial counseling services for managing debt0/4
  9. 09What fees should I expect when opening a checking account at a Minnesota-based credit union?0/4
  10. 10How can a community credit union help with rebuilding credit after financial hardship?0/4
  11. 11Are loan interest rates generally lower at credit unions compared to national banks?0/4
  12. 12Why might a shared branch credit union debit card get declined at certain ATMs?0/4
  13. 13How do community credit unions compare to regional banks for personal banking services?0/4
  14. 14What should you do if you can't access your mobile banking app from a community credit union?0/4
  15. 15Best local credit unions for first-time home buyers in central Minnesota4/4
Total namedOpenAI: 1/15Claude: 1/15Perplexity: 1/15Gemini: 1/15All assistants: 4/60
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 Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Best local credit unions for first-time home buyers in central Minnesota”

For central Minnesota, the strongest local starting points are:

St. Cloud Federal Credit Union (SCFCU) — A St. Cloud-based lender offering home mortgages and local service; its mortgage team is a natural first call for buyers in the St. Cloud area.

Blaze Credit Union — A Minnesota credit union with mortgage lending, broad branch access, and first-time-buyer guidance; useful if you want a larger local institution with more digital support.

Central Minnesota Credit Union (CMCU) — A regional Minnesota credit union serving central and northern communities; worth com …

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
    Minnesota National Bank
    1

Share of mentions

CompanyShare
  1. St. Cloud Financial Credit Union
    66.7%
  2. Magnifi Financial Credit Union
    16.7%
  3. Minnesota National Bank
    16.7%
  4. Spire Credit Union
    0.0%
  5. Great River Federal Credit Union
    0.0%
  6. Highland Bank
    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
    experian.com
    8
  2. 02
    bankrate.com
    6
  3. 03
    blazecu.com
    5
  4. 04
    mymncu.org
    5
  5. 05
    mnvalleyfcu.coop
    4
  6. 06
    finance.yahoo.com
    4
  7. 07
    nerdwallet.com
    4
  8. 08
    lendbuzz.com
    3
  9. 09
    wpcu.coop
    3
  10. 10
    scfcu.org (its own website)
    3

St. Cloud Financial Credit Union is in the study as a credit union.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
1/15
Gemini
1/15
OpenAI
1/15
Perplexity
1/15
Market comparisonSection 06

How St. Cloud Financial 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
19

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

Citations
1

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

Sentiment
100

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
29

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
40
Ranks 36 of 394. Typical company: 28
Named in answers
6.7%
Ranks 98 of 394. Typical company: 0.0%
AI readiness
29
Ranks 82 of 394. Typical company: 29
Against its categorySection 08

Compared with credit unions

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

Overall score
40
Ranks 11 of 85. Typical company: 31
Named in answers
6.7%
Ranks 28 of 85. Typical company: 3.3%
AI readiness
29
Ranks 12 of 85. Typical company: 21
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 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. St. Cloud Financial 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
  • 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
77 of 100
  • robots.txtPassed

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

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced 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
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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 32 of 100 · 97% of checks could run · checked on October 9, 2026 · scfcu.org · 2,200 companies scanned

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

AI readinessSection 10

The checks behind the AI readiness score

4 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%
  • PassedXML 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

  • PassedExplicit 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 rules for 13 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*partly
  • ClaudeBot*partly
  • Anthropic-AI*partly
  • Google-Extended*partly
  • Applebot-Extended*partly
  • Meta-ExternalAgent*partly
  • FacebookBot*partly
  • Bytespider*partly
  • CCBot*partly
  • Diffbotpartly
  • Omgilibot*partly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbot*partly
  • YouBot*partly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBot*partly
  • 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 40 of 100 badge for St. Cloud Financial Credit Union

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/scfcu.org"><img src="https://aeo-audit.rezolve.com/finance/badges/scfcu.org.svg" alt="Overall score 40 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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