Finance Industry

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Finance industry.

73 scored listings in Finance.

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Aidvantage / Maximus A Maximus-operated federal student-loan servicing brand that took over large account portfolios from Navient and other transfers. Aidvantage scores low because a public contractor mediates federal debt obligations and borrower access to repayment programs without borrower choice. Maximus-operated federal student-loan servicer
FMALIGNANT-3 tentative score
High confidence (AI) None found0
Alliant Credit Union A large digital credit union and not-for-profit financial cooperative whose members are owners, offering national online banking and consumer credit products. Alliant Credit Union scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though material opacity and surveillance capture still limits the evaluation. digital credit union
BQUALIFIED45 tentative score
High confidence (AI) None found0
Ally Financial A public online bank and auto-finance company selling deposits, loans, investing, credit products, and auto finance. Ally scores a little better than megabanks on branchless consumer banking and online savings utility, but remains a shareholder-governed lender with credit, data, and auto-finance asymmetries. public financial institution
DEXTRACTIVE12 tentative score
Medium confidence (AI) Limited-1
Amalgamated Bank A public benefit bank offering deposits, lending, and investment services, with labor-aligned history but shareholder governance and finance-sector constraints. Amalgamated Bank remains weak because of person-dependent governance and ideological disavowal, even where the product or service has practical value. public benefit bank
DEXTRACTIVE30 tentative score
High confidence (AI) None found0
American Express A public card issuer and network selling premium cards, merchant acceptance, rewards, travel, and business payment products. American Express provides high-service card utility but is built around merchant fees, prestige/status capture, annual fees, rewards complexity, and transaction-data power. public financial institution
FMALIGNANT-7 tentative score
Medium confidence (AI) Limited-1
AnnualCreditReport.com The federally authorized site for free credit reports from Equifax, Experian, and TransUnion. AnnualCreditReport.com scores well relative to credit bureaus because it gives people no-cost access to records used against them, though the site still depends on the same private bureau infrastructure. federally authorized free credit-report access site
BQUALIFIED44 tentative score
High confidence (AI) None found0
G Bank of America A public megabank selling checking, credit cards, mortgages, investing, wealth management, and commercial banking. Bank of America provides broad access but remains a shareholder-governed financial giant with fee opacity, data concentration, fossil-finance exposure, and weak customer control. public financial institution
FMALIGNANT-11 tentative score
Medium confidence (AI) Limited-1
BC Partners A private-equity firm whose portfolio has included PetSmart under a BC Partners-led ownership structure. Its model provides capital and control rights to investors, while ordinary workers, customers, and affected animals have weak formal power. private-equity firm
DEXTRACTIVE7 tentative score
High confidence (AI) None found0
BECU A large member-owned, not-for-profit credit union based in Washington, offering consumer banking, loans, credit cards, and financial-health programs. BECU scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though material opacity and surveillance capture still limits the evaluation. credit union
BQUALIFIED45 tentative score
High confidence (AI) None found0
Beneficial State Bank A nonprofit-owned community development bank with B Corp, CDFI, Fossil-Free, and values-banking commitments, serving customers in California, Oregon, and Washington. Beneficial State Bank scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development bank
AGOOD50 tentative score
High confidence (AI) None found0
Berkshire Hathaway A public holding company spanning insurance, rail, utilities, manufacturing, retail, and services, including GEICO. Berkshire has durable operating businesses, but its structure is shareholder-centered, unusually person-dependent, and materially exposed to high-carbon infrastructure. public conglomerate and holding company
DEXTRACTIVE1 tentative score
High confidence (AI) None found0
G Block / Cash App A public payments company operating Cash App, Square seller tools, Afterpay, and Bitcoin-related services. Block provides useful payment rails for small sellers and users, but Cash App fraud failures, compliance problems, data capture, and payment-app dependence make it a low-scoring financial platform. public financial institution
FMALIGNANT-8 tentative score
Medium confidence (AI) Limited-1
G Capital One A public bank and credit-card issuer selling cards, banking, auto finance, and digital financial products. Capital One has some consumer-friendly banking features, but credit-card economics, surveillance/data power, and the CFPB savings-rate lawsuit make it a weak mainstream-finance option. public financial institution
FMALIGNANT-5 tentative score
Medium confidence (AI) Material-2
CEFCU A member-owned credit union with Illinois roots and branches serving households through deposits, lending, cards, and digital banking. It scores this way because cooperative ownership is preferable to shareholder banking, but broad conventional financial products and ordinary account monitoring keep it in the qualified range. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
G Chime A private fintech banking app offering checking-like accounts, cards, early pay, overdraft-style advances, and partner-bank deposit services. Chime is less structurally legitimate than a credit union because customers do not own it, and refund-delay enforcement plus data-driven app dependence make the model weaker than its friendly presentation. private fintech company
DEXTRACTIVE8 tentative score
Medium confidence (AI) None found0
Citigroup A public global bank selling credit cards, banking, wealth, payments, institutional finance, and cross-border financial services. Citi is useful as a global-bank comparator, but shareholder control, credit-card fee economics, data concentration, compliance risk, and systemic scale keep it low. public financial institution
DEXTRACTIVE0 tentative score
Medium confidence (AI) Limited-1
City First Bank A Black-led, CDFI-certified, B Corp, public-benefit community development bank under Broadway Financial, focused on affordable housing, nonprofits, small businesses, and underinvested communities. City First Bank scores well because the institution is less hostile to people with weak bargaining power and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development bank
BQUALIFIED43 tentative score
High confidence (AI) None found0
Clean Energy Credit Union A federally chartered, member-owned credit union focused solely on clean-energy lending, using deposits to finance solar, EVs, efficiency, and other low-carbon projects. Clean Energy Credit Union scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. federally chartered credit union
AGOOD53 tentative score
High confidence (AI) None found0
Consumers Credit Union (Illinois) An Illinois member-owned credit union offering consumer banking, loans, and branch access. It scores this way because member ownership and not-for-profit structure are better aligned than investor banks, while ordinary financial-products and digital account monitoring limit the profile. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
G Discover Bank A public bank and credit-card issuer selling cards, deposit accounts, personal loans, and legacy student-loan servicing. Discover has real consumer utility, but shareholder control, card economics, student-loan servicing enforcement history, data concentration, and lobbying keep it low. public financial institution
FMALIGNANT-5 tentative score
Medium confidence (AI) None found0
Encore Capital / Midland Credit Management A public debt-buying and collection company behind Midland Credit Management. Encore/Midland scores very low because it profits from buying charged-off debts and pursuing repayment through collection systems that target financially stressed people. public debt buyer and debt-collection company
FMALIGNANT-12 tentative score
High confidence (AI) None found0
Equifax A public credit reporting company whose security, dispute-handling, and reporting failures have affected millions of consumers. Equifax scores low because of documented human harm, surveillance capture, and identity capture, with extractive economics and centralized governance reinforcing the negative evaluation. consumer credit reporting company
FMALIGNANT-10 tentative score
Medium confidence (AI) None found0
G Experian A public credit reporting company with complaint-handling, marketing email opt-out, credit-report accuracy, and consumer-dependence concerns. Experian scores low because of documented human harm, surveillance capture, and identity capture, with extractive economics and centralized governance reinforcing the negative evaluation. consumer credit reporting company
FMALIGNANT-13 tentative score
Medium confidence (AI) None found0
FICO A public analytics company best known for FICO credit scores used in lending and other financial decisions. FICO scores low because a privately owned scoring infrastructure shapes access to credit, housing, and insurance while ordinary people have little direct power over the model. public credit-scoring and analytics company
DEXTRACTIVE4 tentative score
High confidence (AI) None found0
First Tech Federal Credit Union / DCU A large national technology-sector credit union formed from the legal combination of First Tech and Digital Federal Credit Union. It keeps member-owned credit-union advantages over banks, but merger complexity, national scale, and integration opacity make it less accountable than smaller or clearer community-development credit unions. merged national credit union
CPERFORMATIVE41 tentative score
Medium confidence (AI) None found0
Golden 1 Credit Union A large California member-owned credit union offering consumer banking, credit cards, mortgages, auto loans, and statewide financial services. Golden 1 rates above investor banks because every member is an owner, but its scale and conventional product mix keep it below the strongest mission-locked financial cooperatives. large state credit union
BQUALIFIED47 tentative score
Medium confidence (AI) None found0
GL Goldman Sachs A public investment bank and financial institution with extraction, market conduct, financing impacts, and prior major enforcement history. Goldman Sachs scores low because of documented human harm, person-dependent governance, and material opacity, with weak stakeholder ownership and centralized governance reinforcing the negative evaluation. public financial institution
FMALIGNANT-13 tentative score
Medium confidence (AI) None found0
HOPE Credit Union A Deep South community development credit union within HOPE, providing banking, lending, policy, and advocacy infrastructure for under-resourced communities. HOPE Credit Union scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development credit union
AGOOD55 tentative score
High confidence (AI) None found0
JAB Holding Company A private investment holding company with coffee, restaurant, bakery, pet, and consumer-brand investments, including Panera Brands. It can build consumer businesses at scale, but control remains investment-centered and far from workers, customers, franchisees, or suppliers. private investment holding company
DEXTRACTIVE6 tentative score
Medium confidence (AI) Limited-1
G JPMorgan Chase A public megabank selling checking, credit cards, mortgages, wealth, investment banking, payments, and business banking. Chase is a central mainstream-bank comparison, but its shareholder control, fee/credit asymmetry, fossil-finance exposure, transaction-data power, and systemic scale make it a low-scoring financial institution. public financial institution
FMALIGNANT-11 tentative score
Medium confidence (AI) Limited-1
KKR A global investment firm and private-equity manager that owns or controls portfolio companies, including Simon & Schuster through acquisition funds. KKR can provide capital and operational discipline, but the model is organized around investor returns rather than stakeholder governance by workers, customers, readers, or affected communities. public private-equity and investment firm
DEXTRACTIVE5 tentative score
High confidence (AI) None found0
G Mastercard A public card-network company operating global card and payment infrastructure. Mastercard provides useful payment rails, but merchant-fee power, interchange litigation exposure, transaction-data concentration, and network tollbooth economics keep it low. public financial institution
FMALIGNANT-4 tentative score
Medium confidence (AI) Limited-1
MOHELA A nonprofit student-loan servicer handling federal and private student-loan accounts, including major federal servicing responsibilities. MOHELA scores low because borrowers generally do not choose their servicer and servicing failures can directly affect debt, credit, forgiveness, and monthly survival. nonprofit federal and private student-loan servicer
DEXTRACTIVE3 tentative score
High confidence (AI) None found0
Mountain America Credit Union A large Mountain West credit union offering banking, credit cards, auto loans, mortgages, and business services. Mountain America remains better aligned than shareholder banks, but its broad conventional lending model and large-scale regional expansion make it a middle credit-union case rather than an especially transformative one. large regional credit union
CPERFORMATIVE40 tentative score
Medium confidence (AI) None found0
National Foundation for Credit Counseling A nonprofit network of credit-counseling agencies providing debt, credit, housing, bankruptcy, and financial counseling. NFCC scores well because it offers a lower-extraction path for people under debt pressure, though counseling networks still vary by agency and program. nonprofit credit-counseling network
AGOOD53 tentative score
High confidence (AI) None found0
Navient A public student-loan company with a long enforcement record around servicing and collection practices. Navient scores at the bottom because CFPB and state actions document borrower harm in a bankruptcy-resistant debt system where people had little practical choice over servicing. public student-loan servicing and debt-collection company
FMALIGNANT-20 tentative score
High confidence (AI) None found0
Navy Federal Credit Union The largest U.S. credit union, member-owned and not-for-profit, serving military members, veterans, and families, but with serious mortgage-disparity and overdraft-fee concerns. Navy Federal Credit Union remains weak because of documented human harm, material opacity, and surveillance capture, even where the product or service has practical value. military-affiliated credit union
DEXTRACTIVE30 tentative score
High confidence (AI) None found0
Nelnet A public education-finance company and major student-loan servicer. Nelnet scores low because borrower accounts, repayment status, credit effects, and public-program access are managed through a shareholder-governed servicer that borrowers usually did not choose. public student-loan servicing and education-finance company
FMALIGNANT-2 tentative score
High confidence (AI) None found0
OnPoint Community Credit Union A large Oregon-based member-owned credit union serving Oregon and Southwest Washington through branches and digital banking. It scores this way because credit-union ownership keeps more value with members than shareholder banks, while scale and ordinary financial-data monitoring keep it below the strongest community-development institutions. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
Oregon Community Credit Union A member-owned Oregon credit union, also known as OCCU, offering banking, loans, and community financial services. It scores this way because cooperative ownership is a better structure than shareholder banking, while scale and conventional account monitoring limit the ceiling. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
G PayPal A public digital-payments company operating PayPal, Venmo, merchant services, checkout, transfers, credit, and wallet products. PayPal is convenient payment infrastructure, but account freezes, fraud/dispute asymmetry, payment surveillance, and fee opacity make it a low-scoring platform. public financial institution
FMALIGNANT-12 tentative score
Medium confidence (AI) Limited-1
PenFed Credit Union A large federal credit union offering banking, credit cards, mortgages, auto loans, and other consumer-finance products nationally. PenFed is structurally better than a shareholder bank, but its military-adjacent identity, national scale, and conventional credit-product mix weaken the credit-union advantage. large federal credit union
DEXTRACTIVE34 tentative score
Medium confidence (AI) None found0
G PNC Bank A public regional bank selling deposits, lending, cards, wealth, and small-business banking through PNC Financial Services Group. PNC is useful banking infrastructure, but shareholder control, overdraft-fee exposure, fossil-finance reporting, lobbying, and private account-rule power keep it far below credit unions. public financial institution
FMALIGNANT-3 tentative score
Medium confidence (AI) None found0
PRA Group A public debt buyer and collection company purchasing defaulted receivables and collecting from consumers. PRA Group scores very low because its business model monetizes distressed debt and legal/collection leverage against people already in financial trouble. public debt buyer and debt-collection company
FMALIGNANT-12 tentative score
High confidence (AI) None found0
Rivermark Community Credit Union A member-owned credit union serving Oregon and Southwest Washington with branches and digital banking. It scores this way because cooperative ownership improves alignment compared with banks, though the institution remains a conventional financial-services provider. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
Roark Capital A private-equity firm with heavy exposure to franchised restaurant, consumer, and service brands, including Subway and Inspire Brands. The model concentrates power in investment funds and franchise systems while pushing labor, health, and animal-product costs outward. private-equity firm
DEXTRACTIVE4 tentative score
High confidence (AI) None found0
G Robinhood A public trading and financial app offering brokerage accounts, options, crypto, retirement accounts, cards, and cash-management products. Robinhood rates badly because retail-finance access is paired with gamified trading history, enforcement over misleading information and outages, weak user bargaining, and data-heavy product design. public fintech brokerage
FMALIGNANT-8 tentative score
Medium confidence (AI) None found0
Rogue Credit Union A Southern Oregon member-owned credit union serving households through branches, lending, and digital banking. It scores this way because member ownership and regional focus beat shareholder banking, while ordinary finance-sector opacity and surveillance remain real constraints. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
SchoolsFirst Federal Credit Union A large California credit union serving school employees and their families with banking, lending, and financial services. SchoolsFirst scores well because a member-owned not-for-profit structure is tied to a bounded education-worker constituency, though large-scale administration and ordinary privacy limits still matter. education-worker credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
Seattle Credit Union A Seattle-based member-owned credit union offering consumer banking, lending, and community-focused financial services. Seattle Credit Union scores strongly because member ownership and CDFI/community-development commitments put more power and surplus toward members and underserved borrowers, though ordinary financial-data monitoring still limits the profile. community development credit union
AGOOD52 tentative score
Medium confidence (AI) None found0
Self-Help Credit Union A community development credit union in the Self-Help family of nonprofit organizations, serving working families and historically underserved communities through branches, lending, and ownership-building finance. Self-Help Credit Union scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development credit union
AGOOD55 tentative score
High confidence (AI) None found0
SoFi A public fintech bank selling student-loan refinancing, personal loans, banking, investing, credit cards, and app-based financial services. SoFi can offer useful lower-cost accounts, but its shareholder-governed lending and refinancing model still converts education and household needs into private credit relationships. public financial institution
DEXTRACTIVE2 tentative score
Medium confidence (AI) Material-2
Sound Credit Union A Puget Sound member-owned credit union offering banking, lending, and business services through branches and digital channels. Sound Credit Union rates above banks because cooperative ownership restrains extraction, but it is a conventional regional credit union rather than a deeply mission-locked alternative institution. regional credit union
BQUALIFIED45 tentative score
Medium confidence (AI) None found0
Southern Bancorp A large rural community development banking organization and CDFI model serving underserved and distressed communities in the Mid-South. Southern Bancorp scores well because the institution is less hostile to people with weak bargaining power and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development bank
BQUALIFIED44 tentative score
High confidence (AI) None found0
Spring Bank A Bronx-based FDIC-insured community bank, CDFI, and Certified B Corp focused on low- and moderate-income New York City communities and financial inclusion. Spring Bank scores well because the institution is less hostile to people with weak bargaining power and the model leaves more value with stakeholders, though surveillance capture still limits the evaluation. community development bank
BQUALIFIED42 tentative score
High confidence (AI) None found0
State Employees' Credit Union (NC) A very large North Carolina not-for-profit, member-owned credit union serving state employees, retirees, and families with statewide branches and lending. SECU scores near the top of large credit unions because its public-employee constituency, branch access, and cooperative form keep more value with members despite scale and ordinary account-data monitoring. large state credit union
AGOOD52 tentative score
Medium confidence (AI) None found0
Sunrise Banks A Minnesota community development bank, Certified B Corp, CDFI, and GABV member with community-impact and net-zero financing products. Sunrise Banks scores well because the model leaves more value with stakeholders and the institution is less hostile to people with weak bargaining power, though surveillance capture still limits the evaluation. community development bank
BQUALIFIED42 tentative score
High confidence (AI) None found0
Sycamore Partners A private-equity firm focused on consumer, distribution, and retail investments, including Staples. The model can keep distressed retailers operating, but control is fund-centered and structurally oriented toward investor returns rather than customers, workers, or communities. private-equity firm
DEXTRACTIVE7 tentative score
High confidence (AI) None found0
G Synchrony Bank A public consumer-finance company and bank focused on private-label credit cards, retail financing, savings, and payment products. Synchrony rates very poorly because store-card economics, add-on-product enforcement history, data leverage, and private credit-rule power are built around weak customer bargaining. public financial institution
FMALIGNANT-3 tentative score
Medium confidence (AI) None found0
G TD Bank (U.S.) A U.S. retail and commercial banking subsidiary of TD Bank Group, selling deposits, cards, loans, small-business banking, and wealth services. TD Bank rates badly because large-scale private account power is combined with overdraft and anti-money-laundering enforcement history, fossil-finance exposure, and weak customer control. public financial institution
FMALIGNANT-10 tentative score
Medium confidence (AI) None found0
b The Institute of Student Loan Advisors A nonprofit organization providing free student-loan advice and borrower education. TISLA scores well because it reduces confusion and extraction in a debt system where borrowers are otherwise pushed toward servicers, paid consultants, or misinformation. nonprofit free student-loan advice organization
AGOOD54 tentative score
High confidence (AI) None found0
TPG A public alternative asset manager whose funds own portfolio companies, including DIRECTV after the AT&T stake purchase. The firm can restructure businesses, but its basic accountability runs to investors and fund economics rather than subscribers, workers, or affected communities. public alternative asset manager
DEXTRACTIVE7 tentative score
High confidence (AI) None found0
TransUnion A public credit reporting and tenant-screening company with accuracy, housing-effect, recurring-payment, and enforcement-history concerns. TransUnion scores low because of documented human harm, surveillance capture, and identity capture, with extractive economics and centralized governance reinforcing the negative evaluation. consumer credit reporting company
FMALIGNANT-7 tentative score
Medium confidence (AI) None found0
Transworld Systems A private accounts-receivable management and debt-collection company serving healthcare, education, government, financial, and commercial clients. Transworld Systems scores very low because collection infrastructure converts institutional billing failures into pressure on individuals with weak bargaining power. private debt-collection and accounts-receivable company
FMALIGNANT-10 tentative score
High confidence (AI) None found0
G Truist A public bank holding company selling consumer banking, credit, wealth, insurance, and commercial banking. Truist has ordinary banking utility, but shareholder governance, fee/credit asymmetry, fossil-finance exposure, lobbying, and account-data power leave it in the low-scoring bank cluster. public financial institution
FMALIGNANT-3 tentative score
Medium confidence (AI) None found0
G U.S. Bank A public regional-megabank selling deposits, credit cards, mortgages, payment services, wealth, and commercial banking through U.S. Bancorp. U.S. Bank provides useful access but rates poorly because shareholder governance, unauthorized-account enforcement history, fossil-finance exposure, lobbying, and financial-data power dominate the customer relationship. public financial institution
FMALIGNANT-7 tentative score
Medium confidence (AI) None found0
Unitus Community Credit Union A Portland-based member-owned credit union with Oregon and Southwest Washington branches. It scores this way because cooperative financial ownership is meaningfully better aligned than shareholder banking, though conventional credit-union scale and account-data practices limit the score. regional credit union
BQUALIFIED48 tentative score
Medium confidence (AI) None found0
Verity Credit Union A Seattle-area member-owned credit union offering banking and lending with an explicit values and community orientation. Verity scores well because cooperative ownership is paired with stronger public-benefit signaling than a normal bank, while ordinary finance-sector opacity and digital monitoring keep it below the top cooperative examples. B Corp credit union
BQUALIFIED47 tentative score
Medium confidence (AI) None found0
G Visa A public card-network company operating global payment rails for cards and digital transactions. Visa provides reliable payment infrastructure, but merchant-fee power, debit antitrust allegations, transaction-data concentration, and network tollbooth economics keep it low. public financial institution
FMALIGNANT-4 tentative score
Medium confidence (AI) Limited-1
VyStar Credit Union A large Florida-Georgia member-owned credit union offering consumer banking, lending, and business financial services. VyStar benefits from cooperative ownership, but its broad scale and ordinary consumer-finance model leave more accountability and execution concerns than the stronger community-development credit unions. large regional credit union
CPERFORMATIVE39 tentative score
Medium confidence (AI) None found0
WECU A Whatcom County and Northwest Washington not-for-profit financial cooperative offering banking, loans, and digital services. WECU scores well because member ownership and regional community focus are meaningfully better than bank-shareholder control, though conventional finance-sector opacity and account monitoring remain. regional credit union
BQUALIFIED45 tentative score
Medium confidence (AI) None found0
G Wells Fargo A public megabank selling checking, credit cards, mortgages, auto loans, wealth, and business banking. Wells Fargo is a necessary comparison anchor because its fake-accounts and consumer-harm enforcement history shows how badly mainstream banking incentives can distort customer relationships. public financial institution
FMALIGNANT-11 tentative score
Medium confidence (AI) Limited-1
WSECU A Washington member-powered, not-for-profit credit union offering statewide banking and lending. WSECU rates well because member ownership and community reinvestment are stronger than shareholder banking, but its scale and conventional product mix still leave ordinary finance-sector opacity and surveillance concerns. regional credit union
BQUALIFIED47 tentative score
Medium confidence (AI) None found0