Steinbach Credit Union

Steinbach Credit Union (SCU) is a member-owned financial cooperative founded in 1941 and headquartered in Steinbach, Manitoba, Canada, operating three branches (Steinbach plus Linden Ridge and Lagimodiere in Winnipeg). With more than CA$10 billion in assets and over 115,000 consumer, business, and agricultural members, SCU is the largest credit union in Manitoba and among the ten largest in Canada. As a provincially chartered co-operative it is regulated in Manitoba with deposits guaranteed by the Manitoba Deposit Guarantee Corporation. SCU offers personal and business banking, mortgages, wealth management, and insurance, and delivers digital banking through an online portal (online.scu.mb.ca) and a mobile app built on the Celero core banking platform. Like nearly all Canadian credit unions, SCU exposes NO public first-party developer API or portal: Canada's federal Consumer-Driven Banking framework (Budget 2024 / Fall Economic Statement 2024, overseen by the Financial Consumer Agency of Canada) is legislated but not yet operational, so open finance remains voluntary. Consumer-permissioned data access to SCU accounts today is aggregator-mediated (e.g. Flinks, the National Bank-owned Canadian aggregator, and Plaid), and interbank money movement runs on the shared Canadian rails via Interac e-Transfer.

Steinbach Credit Union is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Canada, Credit Union, and Cooperative.

Steinbach Credit Union’s developer surface includes authentication, support, documentation, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

21.1/100 emerging ▬ flat Agent 15/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Financial Services Banking Canada Credit Union CooperativeManitobaInterac Open Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 21.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 4.5 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 5.7 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 26.2 — up to +14.8 composite points
Access Clarity scores 27.6 — up to +14.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/steinbach-credit-union/apis.yml: open an issue on github.com/api-evangelist/steinbach-credit-union to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Steinbach Credit Union Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Steinbach Credit Union Domain Security

TLSv1.3 · HSTS

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Steinbach Credit Union Scopes

7 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: steinbach-credit-union
url: https://raw.githubusercontent.com/api-evangelist/steinbach-credit-union/refs/heads/main/apis.yml
name: Steinbach Credit Union
kind: company
description: 'Steinbach Credit Union (SCU) is a member-owned financial cooperative founded in 1941 and headquartered in Steinbach,
  Manitoba, Canada, operating three branches (Steinbach plus Linden Ridge and Lagimodiere in Winnipeg). With more than CA$10
  billion in assets and over 115,000 consumer, business, and agricultural members, SCU is the largest credit union in Manitoba
  and among the ten largest in Canada. As a provincially chartered co-operative it is regulated in Manitoba with deposits
  guaranteed by the Manitoba Deposit Guarantee Corporation. SCU offers personal and business banking, mortgages, wealth management,
  and insurance, and delivers digital banking through an online portal (online.scu.mb.ca) and a mobile app built on the Celero
  core banking platform. Like nearly all Canadian credit unions, SCU exposes NO public first-party developer API or portal:
  Canada''s federal Consumer-Driven Banking framework (Budget 2024 / Fall Economic Statement 2024, overseen by the Financial
  Consumer Agency of Canada) is legislated but not yet operational, so open finance remains voluntary. Consumer-permissioned
  data access to SCU accounts today is aggregator-mediated (e.g. Flinks, the National Bank-owned Canadian aggregator, and
  Plaid), and interbank money movement runs on the shared Canadian rails via Interac e-Transfer.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Manitoba
- Interac
- Open Banking
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Manitoba
- Interac
- Open Banking
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/steinbach-credit-union-domain-security.yml
- type: Authentication
  url: authentication/steinbach-credit-union-authentication.yml
- type: OAuthScopes
  url: scopes/steinbach-credit-union-scopes.yml
- type: Conformance
  url: conformance/steinbach-credit-union-conformance.yml
- type: WellKnown
  url: well-known/steinbach-credit-union-well-known.yml
- type: LLMsTxt
  url: llms/steinbach-credit-union-llms.txt
- type: Login
  url: https://online.scu.mb.ca/
- type: Website
  url: https://scu.mb.ca/
- type: LinkedIn
  url: https://www.linkedin.com/company/steinbach-credit-union
- type: PrivacyPolicy
  url: https://scu.mb.ca/privacy
- type: TermsOfService
  url: https://scu.mb.ca/legal
- type: Support
  url: https://scu.mb.ca/contact-us
- type: Documentation
  url: https://scu.mb.ca/ways-to-bank/interac-e-transfer
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

Steinbach Credit Union API — frequently asked questions

How do I authenticate with the Steinbach Credit Union API?

Steinbach Credit Union documents its authentication (oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Steinbach Credit Union Authentication.

Is the Steinbach Credit Union API ready for AI agents?

Steinbach Credit Union has a Kin Score of 21.1 out of 100 (emerging) and an Agent Readiness score of 15.1 (agent-aware), scored by API Evangelist on 2026-11-06.

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