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Security report for bethpagefcu.com

FourLeaf FCU · Finance · United States

Medium risk. 7 critical or high findings in SSL/TLS, Security headers and 1 other check.

Security score

59/100

Risk levelMedium

0–100, higher is better. How it is calculated

FourLeaf Federal Credit Union is a regional financial cooperative offering a comprehensive suite of banking products including checking, savings, credit cards, mortgages, and loans. The website targets consumers seeking personal banking and mortgage services, positioning itself as a trusted credit union in the finance sector. The business model focuses on member-centric financial services with a medium-sized operational scale in the United States. Technically, the website is built on WordPress with a modern theme and leverages a variety of third-party libraries and analytics tools such as Google Tag Manager, New Relic, and Mouseflow. The site demonstrates good mobile optimization, SEO practices, and moderate performance. Security best practices are observed with HTTPS enforcement and security headers, though some areas like published security policies and incident response information are lacking. The security posture is solid with no visible vulnerabilities or exposed sensitive data. Privacy compliance is well addressed with clear privacy and cookie policies and GDPR considerations. However, the absence of WHOIS registration data raises questions about domain legitimacy, warranting further investigation. Overall, the website presents a professional and trustworthy front for the credit union, with room for improvement in transparency and security disclosures. Strategic recommendations include publishing a dedicated security policy and incident response page, implementing a vulnerability disclosure program, enhancing accessibility features, and conducting regular audits of third-party scripts to maintain security and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 27 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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Keep watching bethpagefcu.com

This scan found 27 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
17
Security headers
25
Email security
80
DNS health
80
Network security
100
GDPR outside view
53
Average
59

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

FourLeaf FCU operates in the competitive financial services market, focusing on personal banking and mortgage lending. Its cooperative model emphasizes member benefits and community engagement. The company leverages digital channels effectively, maintaining active social media profiles and employing multiple marketing and analytics platforms to optimize customer engagement. The website content and branding are consistent and professional, supporting a strong market position. Growth indicators include a comprehensive product offering and digital maturity, though the unclear domain registration status could impact trust. Partnerships with major ad networks and tracking services suggest a robust marketing ecosystem. The business model relies on traditional financial products with digital enhancements to attract and retain members.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and multiple security headers implemented, reducing common web vulnerabilities. The use of monitoring tools like New Relic indicates active performance and error tracking. However, the lack of a publicly available security policy, incident response contacts, and vulnerability disclosure mechanisms represents gaps in transparency and preparedness. No signs of malware, phishing, or exposed credentials were detected. Privacy policies and cookie consent mechanisms are in place, supporting regulatory compliance. The absence of WHOIS data is a concern for domain legitimacy but does not directly impact site security. Overall, the security posture is strong but could be enhanced by improving policy disclosures and incident readiness.

Recommendations

  1. Publish a comprehensive security policy and incident response page to improve transparency and user trust.
  2. Implement a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  3. Enhance website accessibility features to meet compliance standards and improve user experience for all visitors.
  4. Regularly audit and update third-party scripts and libraries to mitigate potential vulnerabilities.
  5. Verify and update domain WHOIS registration information to ensure legitimacy and reduce suspicion.

Contact details published on the site

Addresses
Legal name
FourLeaf Federal Credit Union
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
FourLeaf FCU
Description
FourLeaf Federal Credit Union offers a full range of banking products, including checking, savings, credit cards, mortgages and loans.
Key services
Checking accounts, Savings accounts, Credit cards, Mortgages, Loans
Content quality
good
Branding
consistent

Technology

Stack
WordPress, jQuery, Google Tag Manager, New Relic, AddToAny, AOS (Animate On Scroll), Swiper, Floatbox, DataTables
Frameworks
WordPress theme: Digitalsilk
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML
  • Use of security monitoring tools (New Relic)

Analytics and tracking

Services
Google Analytics, Mouseflow, New Relic Browser
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Taboola, AppNexus (adnxs.com)
Tracking pixels
TikTok Pixel, Facebook Pixel, LinkedIn Insight Tag, Bing Ads, Google Analytics via GTM, Mouseflow
Marketing tools
AddToAny social sharing
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is accessible and fully functional with rich content
  2. No WAF or blocking mechanisms detected
  3. Uses multiple third-party marketing and analytics tools
  4. Strong branding and consistent design
  5. WHOIS data missing, domain registration status unclear
  6. Privacy and cookie policies present and GDPR compliant
  7. No explicit security policy or incident response information found
  8. No vulnerability disclosure or security.txt detected
  9. Contact information present but no direct emails found in HTML
  10. Social media presence on Facebook, LinkedIn, Instagram, YouTube
Technical notes

Notes

The website is built on a WordPress CMS platform using the Digitalsilk theme, integrating modern JavaScript libraries such as jQuery, AOS, Swiper, and DataTables for enhanced UI/UX. It employs Google Tag Manager for analytics and marketing tag management, alongside New Relic for performance monitoring. The site loads critical CSS and fonts efficiently and uses preloading strategies to optimize performance. Mobile optimization is good, with responsive design elements and accessibility considerations present but basic. SEO is supported by Yoast SEO plugin with proper meta tags and structured data (JSON-LD) for enhanced search engine understanding. Hosting provider details are not explicitly identified. Overall, the technical infrastructure is modern and well-maintained, with moderate performance and room for accessibility improvements.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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