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Security report for creditunion.ie

Irish League of Credit Unions · Finance · Ireland

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

57/100

Risk levelMedium

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

The Irish League of Credit Unions website serves as the national representative body for credit unions across Ireland and Northern Ireland, providing comprehensive information about credit union services including loans, mortgages, savings, insurance, and community engagement. The site targets credit union members and potential members, emphasizing a not-for-profit financial cooperative model. The business is well-positioned in the finance sector with a large organizational size and a consistent brand presence. The website content is professionally presented with clear navigation and relevant information aligned with the organization's mission. Technically, the website is built on ASP.NET Web Forms and Kentico CMS, utilizing modern tools such as Google Tag Manager for analytics and OneTrust for cookie consent management. The site demonstrates good mobile optimization and basic accessibility features, with moderate performance. SEO practices are well implemented with appropriate meta tags and social media integration. From a security perspective, the website enforces HTTPS and employs cookie consent mechanisms, with CSRF tokens present in forms. However, explicit security headers are not detected, and there is no publicly available security policy or incident response contact information. No vulnerabilities or exposed sensitive data were found in the analysis. Privacy compliance is strong, with clear privacy and cookie policies and GDPR adherence. Overall, the website is trustworthy and professional, with a high legitimacy score based on domain registration consistency and business alignment. Strategic recommendations include enhancing security headers, publishing a security policy and vulnerability disclosure, and providing incident response contacts to further strengthen the security posture and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
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

5 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

Need hands-on remediation? Email guard@offseq.com

Keep watching creditunion.ie

This scan found 18 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.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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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
0
Security headers
30
Email security
85
DNS health
85
Network security
100
GDPR outside view
43
Average
57

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

The Irish League of Credit Unions operates as a key financial cooperative entity in Ireland, focusing on providing accessible financial services through credit unions. Their business model centers on community-based, not-for-profit financial services, which differentiates them from traditional banks. The organization benefits from regulatory oversight by the Central Bank of Ireland and UK authorities for Northern Ireland, enhancing credibility. Their market positioning as a national body gives them competitive advantages in advocacy and service standardization. Revenue streams likely include service fees and insurance intermediation. The target customer segment includes individuals seeking community-focused financial products. The partnership ecosystem includes associated companies and service providers like Arekibo for digital development. Growth indicators include expanding mortgage lending and digital service adoption. The website supports these insights with comprehensive service offerings and active social media engagement.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS enforcement and cookie consent management via OneTrust, indicating compliance with privacy regulations. The presence of CSRF tokens in forms shows attention to input security. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options represents an area for improvement. No public security policy or incident response contacts were found, which could hinder timely vulnerability reporting and response. No vulnerabilities or exposed sensitive data were detected in the HTML content. Overall, the security maturity is good but could be enhanced by adopting additional best practices and transparency measures.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  2. Publish a dedicated security policy page outlining security practices and compliance.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  4. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerable components are included.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Irish League of Credit Unions
Description
Credit unions offer members the chance to have control over their own finances by making their own savings work for them.
Key services
Loans, Mortgages, Current Accounts, Savings, Insurance, Education, Other Services
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, OneTrust Cookie Consent, enquire.js, ASP.NET Web Forms, jQuery (implied by WebForms scripts)
Frameworks
ASP.NET Web Forms
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced (implied by og:url https://creditunion.ie/)
  • Cookie consent mechanism with OneTrust
  • No exposed sensitive data in HTML
  • CSRF token present in forms

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
OneTrust Cookie Consent
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content and navigation.
  2. Strong presence of privacy and cookie policies with consent mechanisms.
  3. No direct contact emails or phone numbers found in HTML; contact likely via contact form or social media.
  4. Use of modern tracking and consent tools like Google Tag Manager and OneTrust.
  5. No explicit security policy or incident response information publicly available.
  6. Website uses ASP.NET Web Forms and Kentico CMS platform.
  7. Social media presence across major platforms including Facebook, Twitter, LinkedIn, Instagram, and YouTube.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on a mature ASP.NET Web Forms framework integrated with Kentico CMS, indicating a stable but somewhat legacy technology stack. The use of Google Tag Manager and OneTrust reflects modern digital marketing and privacy compliance practices. Performance is moderate, with deferred JavaScript loading and responsive design supporting good mobile usability. The site architecture includes structured navigation with dropdown menus and accessible search functionality. Technical debt may exist due to older framework usage, suggesting opportunities for modernization to improve performance and maintainability. No critical technical risks were identified that would impact business operations currently.
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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