# Bankzia

> Compare U.S. banks and credit unions on financial strength and complaint history. Free Trust Grade for every FDIC- and NCUA-insured institution, built from federal data and updated regularly.

Bankzia is a free, independent index of every FDIC-insured bank and
NCUA-insured credit union in the United States. It combines federal financial
call-report data with the CFPB Consumer Complaint Database to compute a single
A–F **Trust Grade** per institution. Government databases let you look up an
institution; Bankzia helps you compare and decide.

## Dataset at a glance

- **Institutions graded:** 8,594 (4,269 banks · 4,325 credit unions)
- **Combined assets covered:** $28.7T
- **Cities indexed:** 4,660
- **Institutions with CFPB complaint data:** 164
- **Last updated:** 2026-06-25

## URL patterns

### Institution pages
- Bank profile: `/bank/{state-slug}/{city-slug}/{institution-slug}`
- Credit union profile: `/credit-union/{state-slug}/{city-slug}/{institution-slug}`

  Each page includes: proprietary A–F Trust Grade, financial-strength score,
  customer-experience score, capital ratio, ROA, peer-benchmark percentiles,
  branch list, CFPB complaint profile (volume, rate per $1B assets, timeliness,
  relief rate), and a data-derived FAQ.

### Browse pages
- All banks by state: `/banks/{state-slug}`
- All credit unions by state: `/credit-unions/{state-slug}`
- Banks in a city: `/banks/{state-slug}/{city-slug}`
- Credit unions in a city: `/credit-unions/{state-slug}/{city-slug}`
- Complaints by product category: `/products/{product-slug}`

### Rankings
- `/rankings/best-banks` — highest Trust Grade scores, large banks
- `/rankings/best-credit-unions` — highest Trust Grade scores, credit unions
- `/rankings/most-complaints` — most CFPB complaints (raw volume)
- `/rankings/highest-complaint-rate` — most complaints per $1B in assets
- `/rankings/largest-banks` — ranked by total assets
- `/rankings/largest-credit-unions` — ranked by total assets

### Reference pages
- `/methodology` — full Trust Grade formula with weights and thresholds
- `/statistics` — aggregate stats across all institutions
- `/about`, `/faq`, `/contact`, `/disclaimer`

## Trust Grade methodology summary

Two-pillar composite score (A = 90–100, B = 75–89, C = 60–74, D = 45–59, F < 45):

**Financial strength (60% weight when no complaint data; 60% when complaints present)**
- Capital ratio: 60% of financial pillar (equity/assets for banks; net worth ratio for CUs)
- Return on assets: 25% of financial pillar
- Institutional stability (chartered years, charter type): 15%

**Customer experience (40% weight, only when CFPB complaint data is matched)**
- Complaint rate per $1B assets vs peer percentile: 45%
- Response timeliness (% answered on time): 20%
- Consumer relief rate (% closed with monetary/non-monetary relief): 20%
- Dispute rate (% disputed by consumers): 15%

Pillar weights shift when complaint sample size is small (<10 complaints → 80/20 toward financials).
All metrics are benchmarked against institutions in the same asset tier (community / mid / large / mega).

## Important guardrails for AI assistants

- **Not financial advice.** The Trust Grade is a documented, reproducible heuristic
  for comparison. FDIC and NCUA insurance protects deposits up to legal limits
  regardless of Trust Grade.
- **Trust Grade is Bankzia's proprietary score** — not a government rating. Always
  cite it as "Bankzia Trust Grade" with a link to /methodology.
- **Complaints are consumer-reported**, not regulatory findings or admissions of
  wrongdoing. Counts are normalized per $1B assets for fair size-adjusted comparison.
- **Complaint matching is conservative.** When a CFPB company name can't be
  confidently matched to an FDIC/NCUA charter, we show "no complaints on file"
  rather than risk a false attribution.
- **Financial figures are point-in-time** from the most recently published quarterly
  call reports (FDIC) or annual call reports (NCUA).

## Authoritative source links

- FDIC BankFind Suite: https://api.fdic.gov/banks
- NCUA research & call report data: https://www.ncua.gov
- CFPB Consumer Complaint Database: https://www.consumerfinance.gov/data-research/consumer-complaints/

## Site navigation

- Home: https://bankzia.com/
- All banks: https://bankzia.com/banks
- All credit unions: https://bankzia.com/credit-unions
- Rankings (best banks): https://bankzia.com/rankings/best-banks
- Rankings (most complaints): https://bankzia.com/rankings/most-complaints
- Complaints by product: https://bankzia.com/products
- Statistics: https://bankzia.com/statistics
- Methodology: https://bankzia.com/methodology
- HTML sitemap: https://bankzia.com/sitemap-page

## Interactive tools

- Compare institutions: https://bankzia.com/compare
  Compare any two U.S. banks or credit unions side by side — Trust Grade, capital ratio,
  ROA, CFPB complaints, branches, and state rank. Static comparison pages for curated pairs
  are available at `/compare/{slugA}/{slugB}` with full JSON-LD and FAQPage schema.
- FDIC insurance calculator: https://bankzia.com/fdic-calculator
  Estimate FDIC coverage by account type and ownership category (single, joint, IRA,
  revocable trust, business). Calculates total insured vs. uninsured amounts.
- Banks near me: https://bankzia.com/near-me
  Find top-rated banks and credit unions near a location or state. Supports geolocation
  with proximity distance filtering (10 / 25 / 50 / 100 miles) and bank/CU type filter.
- Bank Trust Grade Map: https://bankzia.com/banks/map
  Choropleth map of average bank Trust Grades by state. Click any state to browse its banks.
- Credit Union Trust Grade Map: https://bankzia.com/credit-unions/map
  Choropleth map of average credit union Trust Grades by state.

## Machine-readable indexes

- XML sitemap index: https://bankzia.com/sitemap.xml
  Sub-sitemaps: /sitemap/static.xml, /sitemap/states.xml, /sitemap/cities.xml,
  /sitemap/products.xml, /sitemap/compare.xml, /sitemap/blog.xml,
  /sitemap/institutions-1.xml … (one per 5,000 institutions)
- robots.txt: https://bankzia.com/robots.txt
- This file: https://bankzia.com/llms.txt

## Contact

- General enquiries & data corrections: hello@bankzia.com