Public record
Software health reportschema 0.11.0 · metrics 2.10.0 · 2026-07-17 11:44 UTC

elcukro / bank-mcp

Give your AI assistant secure, read-only access to your bank accounts. MCP server supporting Plaid, Teller, Enable Banking, and Tink.

TypeScriptMIT★ 30 stars⑂ 5 forkssince Feb 2026View on GitHub ↗
KindMCP serverLibraryhow this is determined

elcukro/bank-mcp holds a health index of 57 out of 100, placing it in the Moderate band. It scores highest on Engineering Quality (78/100) and lowest on Sustainability & Governance (43/100). It was last updated 54 days ago. A single contributor accounts for most of its recent work.

57
overall / 100
Moderate

Software health index

Metrics are grouped into weighted categories on one standardized 1–100 scale. Overall starts as their weighted mean, calibrated against the distribution of the public record so bands carry percentile meaning; when public evidence triggers the High-Risk Jurisdiction Policy, the rating is adjusted and receives an At Risk ceiling of 34.

57
Exceptional93-100The record's top tier (≈ top 5%); essentially all checked criteria met
Excellent80-92Strong across the board; minor gaps
Good65-79Healthy; gaps are limited and manageable
Moderate50-64Acceptable with notable gaps; review recommended
Weak35-49Material weaknesses across several areas
At Risk20-34Significant weaknesses; adoption warrants caution
Critical1-19Severe problems (abandoned, single-maintainer, no hygiene)
VitalityCommunity &AdoptionSustainability &GovernanceEngineeringQualitySecurityAI Readiness

Score profile

Each axis is a category. The shape matters more than the average — a healthy subject fills the whole shape, while a spike-and-crater profile means strength in one dimension is masking risk in another.

The weighted overall 55 is calibrated to 57 on the published index scale (record calibration 2026-08-02).

Ownership

elcukroPersonal account
10 followers5 public repossince Sep 2009

This repository is owned by a personal account. A single-owner project carries more continuity risk than an organization-backed one.

Package ecosystems

RegistryPackageVersionDownloads / moVersionsLast publishTags
npm@bank-mcp/server0.2.12807144 days agomcpbankingpsd2enable-bankingaillmclaude

Metrics by category

Vitality

Is the project alive — is code being written and are releases shipping?

55Moderate · 21% of overall
How it's scored
18/36Push recencylast push 54 days ago
0.7/36Commit cadence1/52 weeks with commits
12.9/18Commit volume26 commits in the last year
0/10OpenSSF Scorecard: Maintained0 commit(s) and 0 issue activity found in the last 90 days -- score normalized to 0
Inputs used
commits_last_year26
human_commit_share
days_since_last_push54
active_weeks_last_year1
How it's scored
27/27Ships releases3 releases published
27/36Release recencylatest release 145 days ago
27/27Release cadencea release every ~0.1 days
0/10OpenSSF Scorecard: Signed-Releasesno data
Inputs used
releases_count3
latest_release_tagv0.1.3
releases_from_tagsno
days_since_latest_release145
mean_days_between_releases0.1
Excluded from scoring (no data or not applicable): OpenSSF Scorecard: Signed-Releases. Remaining weights renormalized.

Community & Adoption

Does the project have users, downloads, attention, and a welcoming setup for contributors?

54Moderate · 17% of overall
How it's scored
23.7/60Stars30 stars
5/25Forks5 forks
0/15Watchers0 watchers
Inputs used
forks5
stars30
watchers0
growth_stateunverified
growth_factor_pct100
growth_unverified_reasonno_history

Community health

92Excellent
How it's scored
22.5/22.5README
22.5/22.5Licenserecognized license (MIT)
18/18CONTRIBUTING guide
13.5/13.5Code of conduct
0/7.2Issue template
6.3/6.3PR template
Inputs used
has_readmeyes
has_licenseyes
readme_badges
has_contributingyes
has_issue_templateno
has_code_of_conductyes
readme_badge_services
has_pull_request_templateyes
How it's scored
32.6/80Monthly downloads280 downloads/month across npm
0/20Registry dependentsnot reported by this ecosystem
Inputs used
packages@bank-mcp/server
dependents
ecosystemsnpm
total_downloads
monthly_downloads280
unverified_packages_excluded
Excluded from scoring (no data or not applicable): Registry dependents. Remaining weights renormalized.

Sustainability & Governance

Will the project survive its people — bus factor, responsiveness, who backs it, and package upkeep?

43Weak · 23% of overall
How it's scored
9/54Bus factor1 contributor(s) cover half of all commits
5.9/22.5Commit distributiontop contributor authored 74% of commits
2.7/13.5Contributor breadth2 contributors
0/10OpenSSF Scorecard: Contributorsproject has 0 contributing companies or organizations -- score normalized to 0
Inputs used
bus_factor1
contributors_sampled2
top_contributor_share0.737
How it's scored
0/42Issue resolutionno issues or no data
12.1/30PR acceptance19/47 decided PRs merged
0/13Newcomer PR acceptanceno first-time contributor's PR decided in 30d
0/15OpenSSF Scorecard: Code-ReviewFound 0/21 approved changesets -- score normalized to 0
Inputs used
merged_prs19
open_issues0
closed_issues0
prs_merged_7d
prs_decided_7d
prs_merged_30d
prs_decided_30d
issue_closed_ratio
closed_unmerged_prs28
first_time_authors_30d
first_time_prs_merged_30d
first_time_prs_decided_30d
Excluded from scoring (no data or not applicable): Issue resolution, Newcomer PR acceptance. Remaining weights renormalized.
How it's scored
10/30Ownership backingpersonal (user) account
0/20Verified domainnot applicable to user accounts
7.5/25Owner reach10 followers of elcukro
17.7/25Track record5 public repos, account ~16 yr old
Inputs used
followers10
owner_typeUser
is_verified
owner_loginelcukro
public_repos5
account_age_days6,134
Excluded from scoring (no data or not applicable): Verified domain. Remaining weights renormalized.

Package maintenance

100Exceptional
How it's scored
25/25Published & resolvable1 package(s) on npm
35/35Publish recencylatest publish 144 days ago
20/20Version history7 published versions
20/20Not deprecatedactive, not deprecated or yanked
Inputs used
packages@bank-mcp/server
ecosystemsnpm
any_deprecatedno
min_days_since_publish144

Engineering Quality

Are baseline engineering and documentation practices in place?

78Good · 19% of overall
How it's scored
24/24CI workflows2 workflow(s)
24/24Tests present
0/16Linter config
0/9.6Pre-commit hooks
6.4/6.4.editorconfig
20/20OpenSSF Scorecard: CI-Tests19 out of 19 merged PRs checked by a CI test -- score normalized to 10
Inputs used
has_ciyes
has_testsyes
has_editorconfigyes
has_linter_configno
has_precommit_configno

Documentation

85Excellent
How it's scored
30/30README
25/25Documentation directory
0/15Documentation / homepage site
10/10Repository description
10/10Topics13 topics
10/10Wiki
Inputs used
topicsai, banking, claude, fintech, llm, mcp, model-context-protocol, open-banking, plaid, psd2, teller, tink, typescript
has_wikiyes
homepage
docs_site
has_readmeyes
has_docs_diryes
has_descriptionyes

Security

Are visible security and supply-chain practices strong, without unresolved high-risk jurisdiction exposure?

46Weak · 16% of overall
How it's scored
7.5/7.5Binary-Artifactsno binaries found in the repo
2.2/7.5Branch-Protectionbranch protection is not maximal on development and all release branches
2.5/2.5CI-Tests19 out of 19 merged PRs checked by a CI test -- score normalized to 10
0/2.5CII-Best-Practicesno effort to earn an OpenSSF best practices badge detected
0/7.5Code-ReviewFound 0/21 approved changesets -- score normalized to 0
0/2.5Contributorsproject has 0 contributing companies or organizations -- score normalized to 0
10/10Dangerous-Workflowno dangerous workflow patterns detected
7.5/7.5Dependency-Update-Toolupdate tool detected
0/5Fuzzingproject is not fuzzed
2.5/2.5Licenselicense file detected
0/7.5Maintained0 commit(s) and 0 issue activity found in the last 90 days -- score normalized to 0
5/5Packagingpackaging workflow detected
2.5/5Pinned-Dependenciesdependency not pinned by hash detected -- score normalized to 5
0/5SASTSAST tool is not run on all commits -- score normalized to 0
5/5Security-Policysecurity policy file detected
0/7.5Signed-Releasesno data
0/7.5Token-Permissionsdetected GitHub workflow tokens with excessive permissions
0/7.5Vulnerabilities51 existing vulnerabilities detected
Inputs used
sourceopenssf_scorecard
checks_evaluated17
scorecard_versionv5.5.0
checks_inconclusive1
scorecard_aggregate4.6
Excluded from scoring (no data or not applicable): Signed-Releases. Remaining weights renormalized.

AI Readiness

How well is the repo equipped to be developed and maintained with AI coding agents? Carries a deliberately small weight (4%): agent tooling is a real maintenance signal, but a repository with none can still reach 100/100.

44Weak · 4% of overall
How it's scored
0/45Agent instructionsno CLAUDE.md / AGENTS.md / editor rules
0/15Machine-readable docs (llms.txt)
0/40Legible commit historyno data
Inputs used
has_llms_txtno
llms_txt_url
legible_history_share
agent_instruction_files
agent_instruction_max_bytes
Excluded from scoring (no data or not applicable): Legible commit history. Remaining weights renormalized.
How it's scored
0/18One-command bootstrap
22/22Automated tests
0/11Lint / format config
11/11Static type checkingtsconfig.json
10/10Reproducible environmentlockfile
0/10Demonstrated agent practiceno data
5/8Automated maintenancedependency automation configured, none observed in the sampled commits
5/10OpenSSF Scorecard: Pinned-Dependenciesdependency not pinned by hash detected -- score normalized to 5
Inputs used
has_nixno
has_testsyes
lockfilespackage-lock.json
has_dockerfileno
typed_languageyes
bootstrap_files
has_devcontainerno
has_linter_configno
typecheck_configstsconfig.json
agent_commit_share
toolchain_manifests
dependency_bot_commit_share0
Excluded from scoring (no data or not applicable): Demonstrated agent practice. Remaining weights renormalized.
How it's scored
45/45Type-checkable codeTypeScript (statically typed)
55/55Manageable file sizes0/41 source files over 60KB
Inputs used
primary_languageTypeScript
largest_source_bytes16,227
source_files_sampled41
oversized_source_files0
How it's scored
0/40API schema (OpenAPI/GraphQL/proto)not applicable to this kind of software
20/20MCP server
0/40Runnable examples
Inputs used
example_dirs
has_mcp_signalyes
api_schema_files
interfaces_expected_of
Excluded from scoring (no data or not applicable): API schema (OpenAPI/GraphQL/proto). Remaining weights renormalized.

Key facts

30GitHub stars
2contributors
26commits, last 12 months
54days since last push
3releases
1bus factor
0open issues
npmpackage ecosystems

More detail

OpenSSF Scorecard 4.6 / 10
4.6aggregate

Independent, tool-agnostic security assessment from the open-source OpenSSF Scorecard. Each check rewards a security practice, not a specific vendor's tool. Checks Scorecard could not determine are marked n/a and excluded from the security score (never counted as zero).Scorecard v5.5.0 · 2026-07-17 11:44 UTC

10Binary-Artifactsno binaries found in the repo
3Branch-Protectionbranch protection is not maximal on development and all release branches
10CI-Tests19 out of 19 merged PRs checked by a CI test -- score normalized to 10
0CII-Best-Practicesno effort to earn an OpenSSF best practices badge detected
0Code-ReviewFound 0/21 approved changesets -- score normalized to 0
0Contributorsproject has 0 contributing companies or organizations -- score normalized to 0
10Dangerous-Workflowno dangerous workflow patterns detected
10Dependency-Update-Toolupdate tool detected
0Fuzzingproject is not fuzzed
10Licenselicense file detected
0Maintained0 commit(s) and 0 issue activity found in the last 90 days -- score normalized to 0
10Packagingpackaging workflow detected
5Pinned-Dependenciesdependency not pinned by hash detected -- score normalized to 5
0SASTSAST tool is not run on all commits -- score normalized to 0
10Security-Policysecurity policy file detected
n/aSigned-Releasesno releases found
0Token-Permissionsdetected GitHub workflow tokens with excessive permissions
0Vulnerabilities51 existing vulnerabilities detected
Direct dependencies 4
RegistryPackageVersion constraintManifest
npm@clack/prompts^1.0.1package.json
npm@modelcontextprotocol/sdk^1.25.0package.json
npmjsonwebtoken^9.0.0package.json
npmzod^4.3.6package.json
All dependencies 261

Full resolved dependency set from the GitHub dependency graph: 4 direct and 257 indirect (transitive) packages. The transitive closure is complete when the repository commits a lockfile.

RegistryPackageVersionRelation
npm@clack/prompts1.0.1direct
npm@modelcontextprotocol/sdk1.26.0direct
npmjsonwebtoken9.0.3direct
npmzod4.3.6direct
npm@clack/core1.0.1indirect
npm@esbuild/aix-ppc640.27.3indirect
npm@esbuild/android-arm0.27.3indirect
npm@esbuild/android-arm640.27.3indirect
npm@esbuild/android-x640.27.3indirect
npm@esbuild/darwin-arm640.27.3indirect
npm@esbuild/darwin-x640.27.3indirect
npm@esbuild/freebsd-arm640.27.3indirect
npm@esbuild/freebsd-x640.27.3indirect
npm@esbuild/linux-arm0.27.3indirect
npm@esbuild/linux-arm640.27.3indirect
npm@esbuild/linux-ia320.27.3indirect
npm@esbuild/linux-loong640.27.3indirect
npm@esbuild/linux-mips64el0.27.3indirect
npm@esbuild/linux-ppc640.27.3indirect
npm@esbuild/linux-riscv640.27.3indirect
npm@esbuild/linux-s390x0.27.3indirect
npm@esbuild/linux-x640.27.3indirect
npm@esbuild/netbsd-arm640.27.3indirect
npm@esbuild/netbsd-x640.27.3indirect
npm@esbuild/openbsd-arm640.27.3indirect
npm@esbuild/openbsd-x640.27.3indirect
npm@esbuild/openharmony-arm640.27.3indirect
npm@esbuild/sunos-x640.27.3indirect
npm@esbuild/win32-arm640.27.3indirect
npm@esbuild/win32-ia320.27.3indirect
npm@esbuild/win32-x640.27.3indirect
npm@eslint-community/eslint-utils4.9.1indirect
npm@eslint-community/regexpp4.12.2indirect
npm@eslint/config-array0.23.2indirect
npm@eslint/config-helpers0.5.2indirect
npm@eslint/core1.1.0indirect
npm@eslint/object-schema3.0.2indirect
npm@eslint/plugin-kit0.6.0indirect
npm@hono/node-server1.19.9indirect
npm@humanfs/core0.19.1indirect
npm@humanfs/node0.16.7indirect
npm@humanwhocodes/module-importer1.0.1indirect
npm@humanwhocodes/retry0.4.3indirect
npm@jridgewell/sourcemap-codec1.5.5indirect
npm@rollup/rollup-android-arm-eabi4.58.0indirect
npm@rollup/rollup-android-arm644.58.0indirect
npm@rollup/rollup-darwin-arm644.58.0indirect
npm@rollup/rollup-darwin-x644.58.0indirect
npm@rollup/rollup-freebsd-arm644.58.0indirect
npm@rollup/rollup-freebsd-x644.58.0indirect
npm@rollup/rollup-linux-arm-gnueabihf4.58.0indirect
npm@rollup/rollup-linux-arm-musleabihf4.58.0indirect
npm@rollup/rollup-linux-arm64-gnu4.58.0indirect
npm@rollup/rollup-linux-arm64-musl4.58.0indirect
npm@rollup/rollup-linux-loong64-gnu4.58.0indirect
npm@rollup/rollup-linux-loong64-musl4.58.0indirect
npm@rollup/rollup-linux-ppc64-gnu4.58.0indirect
npm@rollup/rollup-linux-ppc64-musl4.58.0indirect
npm@rollup/rollup-linux-riscv64-gnu4.58.0indirect
npm@rollup/rollup-linux-riscv64-musl4.58.0indirect
npm@rollup/rollup-linux-s390x-gnu4.58.0indirect
npm@rollup/rollup-linux-x64-gnu4.58.0indirect
npm@rollup/rollup-linux-x64-musl4.58.0indirect
npm@rollup/rollup-openbsd-x644.58.0indirect
npm@rollup/rollup-openharmony-arm644.58.0indirect
npm@rollup/rollup-win32-arm64-msvc4.58.0indirect
npm@rollup/rollup-win32-ia32-msvc4.58.0indirect
npm@rollup/rollup-win32-x64-gnu4.58.0indirect
npm@rollup/rollup-win32-x64-msvc4.58.0indirect
npm@standard-schema/spec1.1.0indirect
npm@types/chai5.2.3indirect
npm@types/deep-eql4.0.2indirect
npm@types/esrecurse4.3.1indirect
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npm@vitest/expect4.0.18indirect
npm@vitest/mocker4.0.18indirect
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npm@vitest/runner4.0.18indirect
npm@vitest/snapshot4.0.18indirect
npm@vitest/spy4.0.18indirect
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npmchai6.2.2indirect
npmcontent-disposition1.0.1indirect
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npmcors2.8.6indirect
npmcross-spawn7.0.6indirect
npmdebug4.4.3indirect
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npmdepd2.0.0indirect
npmdunder-proto1.0.1indirect
npmecdsa-sig-formatter1.0.11indirect
npmee-first1.1.1indirect
npmencodeurl2.0.0indirect
npmes-define-property1.0.1indirect
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npmes-module-lexer1.7.0indirect
npmes-object-atoms1.1.1indirect
npmesbuild0.27.3indirect
npmescape-html1.0.3indirect
npmescape-string-regexp4.0.0indirect
npmeslint10.0.1indirect
npmeslint-scope9.1.1indirect
npmeslint-visitor-keys3.4.3indirect
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npmespree11.1.1indirect
npmesquery1.7.0indirect
npmesrecurse4.3.0indirect
npmestraverse5.3.0indirect
npmestree-walker3.0.3indirect
npmesutils2.0.3indirect
npmetag1.8.1indirect
npmeventsource3.0.7indirect
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npmexpress-rate-limit8.2.1indirect
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npmhasown2.0.2indirect
npmhono4.12.1indirect
npmhttp-errors2.0.1indirect
npmiconv-lite0.7.2indirect
npmignore5.3.2indirect
npmimurmurhash0.1.4indirect
npminherits2.0.4indirect
npmip-address10.0.1indirect
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npmis-extglob2.1.1indirect
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npmjwa2.0.1indirect
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npmmagic-string0.30.21indirect
npmmath-intrinsics1.1.0indirect
npmmedia-typer1.1.0indirect
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npmmime-db1.54.0indirect
npmmime-types3.0.2indirect
npmminimatch10.2.2indirect
npmms2.1.3indirect
npmnanoid3.3.11indirect
npmnatural-compare1.4.0indirect
npmnegotiator1.0.0indirect
npmobject-assign4.1.1indirect
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npmobug2.1.1indirect
npmon-finished2.4.1indirect
npmonce1.4.0indirect
npmoptionator0.9.4indirect
npmp-limit3.1.0indirect
npmp-locate5.0.0indirect
npmparseurl1.3.3indirect
npmpath-exists4.0.0indirect
npmpath-key3.1.1indirect
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npmpathe2.0.3indirect
npmpicocolors1.1.1indirect
npmpicomatch4.0.3indirect
npmpkce-challenge5.0.1indirect
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npmprelude-ls1.2.1indirect
npmproxy-addr2.0.7indirect
npmpunycode2.3.1indirect
npmqs6.15.0indirect
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npmrollup4.58.0indirect
npmrouter2.2.0indirect
npmsafe-buffer5.2.1indirect
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npmsemver7.7.4indirect
npmsend1.2.1indirect
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npmsetprototypeof1.2.0indirect
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npmshebang-regex3.0.0indirect
npmside-channel1.1.0indirect
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npmside-channel-map1.0.1indirect
npmside-channel-weakmap1.0.2indirect
npmsiginfo2.0.0indirect
npmsisteransi1.0.5indirect
npmsource-map-js1.2.1indirect
npmstackback0.0.2indirect
npmstatuses2.0.2indirect
npmstd-env3.10.0indirect
npmtinybench2.9.0indirect
npmtinyexec1.0.2indirect
npmtinyglobby0.2.15indirect
npmtinyrainbow3.0.3indirect
npmtoidentifier1.0.1indirect
npmtype-check0.4.0indirect
npmtype-is2.0.1indirect
npmtypescript5.9.3indirect
npmundici-types7.18.2indirect
npmunpipe1.0.0indirect
npmuri-js4.4.1indirect
npmvary1.1.2indirect
npmvite7.3.1indirect
npmvitest4.0.18indirect
npmwhich2.0.2indirect
npmwhy-is-node-running2.3.0indirect
npmword-wrap1.2.5indirect
npmwrappy1.0.2indirect
npmyocto-queue0.1.0indirect
npmzod-to-json-schema3.25.1indirect
Raw JSON report machine-readable

Feedback

Spotted something off in this report, or have thoughts to share? Wrong measurements, missed tooling, ideas, questions — anything is welcome. Every message is read and gets a response.

The message is kept through sign-in.

Scores are signals, not warranties. They reflect publicly visible practices on GitHub — not a code audit, and not a security guarantee.

Missing data is excluded and weights renormalized, never scored as zero. Methodology is versioned and open: metrics v2.10.0, schema v0.11.0 — full methodology · metrics wiki.

How one result sits in the wider record: aggregate statisticsnpm.