# Randolph-Brooks FCU

**Canonical:** https://apis.io/providers/randolph-brooks/  
**Website:** https://www.rbfcu.org  
**APIs profiled:** 0

Randolph-Brooks Federal Credit Union (RBFCU) is a member-owned, not-for-profit federal credit union headquartered in Live Oak, Texas, federally insured by the NCUA and serving more than one million members across Texas and beyond. Chartered as a federal credit union rather than a state or national bank, RBFCU is one of the largest credit unions in the United States by membership and assets, offering retail banking, mortgages, auto loans, credit cards, and deposit products through branches and digital channels. As a member-focused retail institution, RBFCU publishes no first-party public developer program, API documentation, or downloadable OpenAPI/Swagger specifications; consumer-permissioned account data is reached through third-party aggregators (such as Plaid, MX, Finicity, or Akoya) rather than a directly documented open-finance API, and it publishes no stated CFPB Section 1033 data-access posture or documented FDX participation.

## Kin Score — 7.1 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 7.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Randolph Brooks Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Credit Union, Retail Banking, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/randolph-brooks/). Scores are computed from the provider's own public artifacts under a published rubric.