Public record
Software health reportschema 0.34.0 · metrics 2.10.0 · 2026-09-09 23:55 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★ 42 stars⑂ 6 forkssince Feb 2026View on GitHub ↗
KindLibraryCommand-line toolMCP serverhow this is determined
#ai#banking#claude#fintech#llm#mcp#model-context-protocol#open-banking#plaid#psd2#teller#tink#typescript

elcukro/bank-mcp holds a health index of 56 out of 100, placing it in the Moderate band. It scores highest on Engineering Quality (78/100) and lowest on Sustainability & Governance (39/100). It was last updated 109 days ago. A single contributor accounts for most of its recent work.

56
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.

56
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 54 is calibrated to 56 on the published index scale (record calibration 2026-08-02).

Ownership

elcukroPersonal account
9 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/server0.2.13697198 days agomcpbankingpsd2enable-bankingaillmclaude

Metrics by category

Vitality

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

46Weak · 21% of overall

Development activity

24At Risk
How it's scored
9.9/36Push recency — last push 109 days ago
0.7/36Commit cadence — 1/52 weeks with commits
12.9/18Commit volume — 26 commits in the last year
0/10OpenSSF Scorecard: Maintained — 0 commit(s) and 0 issue activity found in the last 90 days -- score normalized to 0
Inputs used
commits_last_year26
human_commit_share0.808
days_since_last_push109
active_weeks_last_year1

Release discipline

78Good
How it's scored
27/27Ships releases — 3 releases published
16.2/36Release recency — latest release 199 days ago
27/27Release cadence — a release every ~0.1 days
0/10OpenSSF Scorecard: Signed-Releases — no data
Inputs used
releases_count3
latest_release_tagv0.1.3
releases_from_tagsno
days_since_latest_release199
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?

56Moderate · 17% of overall

Popularity & adoption

32At Risk
How it's scored
26.2/60Stars — 42 stars
5.8/25Forks — 6 forks
0/15Watchers — 0 watchers
Inputs used
forks6
stars42
watchers0
growth_stateunverified
growth_factor_pct100
growth_unverified_reasonno_history

Community health

92Excellent
How it's scored
22.5/22.5README
22.5/22.5License — recognized 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_badges5
has_contributingyes
has_issue_templateno
has_code_of_conductyes
readme_badge_servicesgithub.com, shields.io
has_pull_request_templateyes

Ecosystem adoption (downloads)

43Weak
How it's scored
34.2/80Monthly downloads — 369 downloads/month across npm
0/20Registry dependents — not reported by this ecosystem
Inputs used
packages@bank-mcp/server
dependents—
ecosystemsnpm
total_downloads—
monthly_downloads369
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?

39Weak · 23% of overall

Maintainer resilience (bus factor)

10Critical
How it's scored
9/54Bus factor — 1 contributor(s) cover half of all commits
0/22.5Commit distribution — top contributor authored 100% of commits
1.4/13.5Contributor breadth — 1 contributors
0/10OpenSSF Scorecard: Contributors — project has 0 contributing companies or organizations -- score normalized to 0
Inputs used
bus_factor1
contributors_sampled1
top_contributor_share1

Issue & PR responsiveness

27At Risk
How it's scored
0/42Issue resolution — no issues or no data
12.1/30PR acceptance — 19/47 decided PRs merged
0/13Newcomer PR acceptance — no first-time contributor's PR decided in 30d
0/15OpenSSF Scorecard: Code-Review — Found 0/21 approved changesets -- score normalized to 0
Inputs used
merged_prs19
open_issues0
closed_issues0
prs_merged_7d0
prs_decided_7d0
prs_merged_30d0
prs_decided_30d0
issue_closed_ratio—
closed_unmerged_prs28
first_time_authors_30d0
first_time_prs_merged_30d0
first_time_prs_decided_30d0
Excluded from scoring (no data or not applicable): Issue resolution, Newcomer PR acceptance. Remaining weights renormalized.

Ownership & stewardship

44Weak
How it's scored
10/30Ownership backing — personal (user) account
0/20Verified domain — not applicable to user accounts
7.2/25Owner reach — 9 followers of elcukro
17.7/25Track record — 5 public repos, account ~16 yr old
Inputs used
followers9
owner_typeUser
is_verified—
owner_loginelcukro
public_repos5
account_age_days6,189
Excluded from scoring (no data or not applicable): Verified domain. Remaining weights renormalized.

Package maintenance

91Excellent
How it's scored
25/25Published & resolvable — 1 package(s) on npm
26/35Publish recency — latest publish 198 days ago
20/20Version history — 7 published versions
20/20Not deprecated — active, not deprecated or yanked
Inputs used
packages@bank-mcp/server
ecosystemsnpm
any_deprecatedno
min_days_since_publish198

Engineering Quality

Are baseline engineering and documentation practices in place?

78Good · 19% of overall

Engineering practices

74Good
How it's scored
24/24CI workflows — 2 workflow(s)
24/24Tests present
0/16Linter config
0/9.6Pre-commit hooks
6.4/6.4.editorconfig
20/20OpenSSF Scorecard: CI-Tests — 19 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
10/10Topics — 13 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?

57Moderate · 16% of overall

Security posture

46Weak
How it's scored
7.5/7.5Binary-Artifacts — no binaries found in the repo
2.2/7.5Branch-Protection — branch protection is not maximal on development and all release branches
2.5/2.5CI-Tests — 19 out of 19 merged PRs checked by a CI test -- score normalized to 10
0/2.5CII-Best-Practices — no effort to earn an OpenSSF best practices badge detected
0/7.5Code-Review — Found 0/21 approved changesets -- score normalized to 0
0/2.5Contributors — project has 0 contributing companies or organizations -- score normalized to 0
10/10Dangerous-Workflow — no dangerous workflow patterns detected
7.5/7.5Dependency-Update-Tool — update tool detected
0/5Fuzzing — project is not fuzzed
2.5/2.5License — license file detected
0/7.5Maintained — 0 commit(s) and 0 issue activity found in the last 90 days -- score normalized to 0
5/5Packaging — packaging workflow detected
2.5/5Pinned-Dependencies — dependency not pinned by hash detected -- score normalized to 5
0/5SAST — SAST tool is not run on all commits -- score normalized to 0
5/5Security-Policy — security policy file detected
0/7.5Signed-Releases — no data
0/7.5Token-Permissions — detected GitHub workflow tokens with excessive permissions
0/7.5Vulnerabilities — 82 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.

Dependency advisories

100Exceptional
How it's scored
35/35Direct dependencies free of known advisories — no direct dependency carries a known advisory
25/25Indirect dependencies free of known advisories — no indirect dependency carries a known advisory
0/40No advisories left outstanding — no advisory carries a publication date
Inputs used
sourceosv
advisories0
affected_packages0
assessed_packages115
unassessed_packages0
affected_by_severitynone
direct_affected_packages0
Excluded from scoring (no data or not applicable): No advisories left outstanding. Remaining weights renormalized. Matched the npm:@bank-mcp/server@0.2.1 runtime dependency closure — what installing the published package pulls in — 115 packages. Reachability is not analyzed.

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.

58Moderate · 4% of overall

Agent context & guidance

40Weak
How it's scored
0/45Agent instructions — no CLAUDE.md / AGENTS.md / editor rules
0/15Machine-readable docs (llms.txt)
40/40Legible commit history — 21 of 21 human commits state their intent (structured subject or explanatory body)
Inputs used
has_llms_txtno
llms_txt_url—
legible_history_share1
agent_instruction_files—
agent_instruction_max_bytes—

Verify loop (build / test / typecheck)

66Good
How it's scored
0/18One-command bootstrap
22/22Automated tests
0/11Lint / format config
11/11Static type checking — tsconfig.json
10/10Reproducible environment — lockfile
10/10Demonstrated agent practice — 16 of the last 26 commits agent-authored or agent-credited
8/8Automated maintenance — 5 of the last 26 commits are automated dependency updates
5/10OpenSSF Scorecard: Pinned-Dependencies — dependency 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_share0.615
toolchain_manifests—
dependency_bot_commit_share0.192

Code legibility for models

100Exceptional
How it's scored
45/45Type-checkable code — TypeScript (statically typed)
55/55Manageable file sizes — 0/41 source files over 60KB
Inputs used
primary_languageTypeScript
largest_source_bytes16,227
source_files_sampled41
oversized_source_files0

Machine-readable interfaces

33At Risk
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

42GitHub stars
1contributors
26commits, last 12 months
109days since last push
3releases
1bus factor
0open issues
npmpackage ecosystems

Data collection warnings

  • Star history unavailable: GitHub GraphQL error: Resource not accessible by personal access token

More detail

Star and fork history 0 ★ / 6 ⇿
0Stars
6Forks

When each star and fork was added, collected from GitHub and bucketed by day. Cumulative growth sits directly above the daily additions it is made of, so the two read against each other: steady organic accretion looks nothing like an abrupt, short-lived burst. Where that difference is measurable, it is reported as growth authenticity.

123456612026-032026-062026-09
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 · 2026-09-09 23:55 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
0Vulnerabilities82 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
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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
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npm@types/chai5.2.3indirect
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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
Dependency advisories 0

Installing npm:@bank-mcp/server@0.2.1 pulls in 115 packages, direct and transitive: 0 carry known advisories, of which 0 are direct dependencies.

No known advisories affect the assessed dependencies.

An advisory means the version recorded in the dependency graph falls inside an advisory’s affected range. Reachability is not analysed, and the graph includes development and test pins — a finding may concern tooling rather than shipped software.

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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 v0.34.0 — full methodology · metrics wiki.

How one result sits in the wider record: aggregate statistics — npm.