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Security report for deltacommunitycu.com

Delta Community Credit Union · Finance · United States

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

73/100

Risk levelMedium

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

Delta Community Credit Union is a well-established financial institution serving the metro Atlanta area since 1940. The website offers a comprehensive range of personal, business, and commercial banking services including checking, savings, loans, mortgages, credit cards, retirement investments, and insurance products. The credit union positions itself as a trusted regional financial partner with a strong community focus and a variety of member benefits. The site is professionally designed with clear navigation and a mobile-optimized experience, reflecting a mature digital presence. Technically, the website is built on Adobe Experience Manager, leveraging modern web technologies and multiple analytics and marketing tools such as Google Tag Manager, Facebook Pixel, TikTok Pixel, and others. The site enforces HTTPS and includes a Content Security Policy, indicating a good security posture. Privacy and cookie policies are present with consent mechanisms, supporting compliance with GDPR and other privacy regulations. Security-wise, the site demonstrates best practices including secure login forms, privacy notices, and trusted certifications like NCUA and Equal Housing Lender badges. No critical vulnerabilities or exposed sensitive data were detected. However, the WHOIS data for the domain is unavailable, which limits domain registration trust analysis but does not detract from the overall legitimacy of the site. Overall, Delta Community Credit Union's website is a secure, professional, and user-friendly platform that effectively supports its business objectives and member services. Strategic recommendations include enhancing security headers, publishing a security.txt file, and providing explicit incident response contacts to further strengthen trust 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

4 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.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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.

    • 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

      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

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

Keep watching deltacommunitycu.com

This scan found 21 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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  • 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
49
Security headers
70
Email security
85
DNS health
80
Network security
100
GDPR outside view
53
Average
73

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

Delta Community Credit Union operates as a large credit union focused on the finance sector, targeting individuals and businesses primarily in metro Atlanta, Georgia. Its competitive advantage lies in its long-standing history since 1940, comprehensive financial product offerings, and strong community involvement. The business model centers on member-focused banking services with revenue streams from loans, deposits, credit cards, and investment products. The credit union maintains a robust partnership ecosystem including insurance providers and digital service platforms. Growth indicators include expansion into 20 counties and new branch openings. The company leverages digital marketing and analytics extensively to engage customers and optimize service delivery.

Security posture

The website exhibits a mature security posture with HTTPS enforcement, Content Security Policy, and secure login mechanisms. It uses multiple tracking and analytics scripts, which are common but require ongoing monitoring for vulnerabilities. The presence of privacy policies and cookie consent indicates compliance awareness. However, the absence of a published security.txt and incident response contact details suggests room for improvement in transparency and vulnerability management. No immediate vulnerabilities or exposed sensitive data were found, indicating a low risk of compromise. The site’s security culture is supported by visible trust badges and disclaimers.

Recommendations

  1. Implement additional HTTP security headers such as X-Frame-Options, X-Content-Type-Options, and Referrer-Policy to enhance protection against clickjacking and MIME sniffing.
  2. Publish a security.txt file at the root domain to provide clear vulnerability disclosure and incident response information.
  3. Provide explicit contact information for security incidents or abuse reports to improve incident response readiness.
  4. Enhance cookie policy transparency by detailing cookie types, purposes, and retention periods in the cookie consent mechanism.
  5. Regularly audit and update third-party scripts and tracking pixels to mitigate risks from external dependencies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Delta Community Credit Union
Description
Personal and business banking services for metro Atlanta since 1940. We offer mortgages, checking, savings, and commercial lending with personal service.
Key services
Checking accounts, Savings accounts, Certificates of Deposit, Mortgages and home loans, Vehicle loans, Personal loans, Credit cards, Retirement and investment services, Insurance products, Business and commercial banking
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), Google Tag Manager, Facebook Pixel, TikTok Pixel, Reddit Pixel, DoubleClick, Bing Ads, Innovid, Resonate Analytics, jQuery, Bootstrap
Frameworks
Bootstrap
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • Secure login forms with password fields
  • Privacy notices and disclaimers
  • Modal warnings for third-party links and email

Analytics and tracking

Services
Google Analytics, Resonate Analytics, Adobe Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
DoubleClick, Bing Ads, Innovid, Flashtalking
Tracking pixels
Facebook Pixel, TikTok Pixel, Reddit Pixel, The Trade Desk (TTD), Resonate Analytics
Marketing tools
Adobe Launch
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge
  2. Comprehensive financial services content targeting metro Atlanta region
  3. Strong use of modern web technologies and analytics
  4. Good privacy and cookie policy presence with consent mechanisms
  5. No visible security vulnerabilities or exposed sensitive data
  6. WHOIS data unavailable, limiting domain registration trust analysis
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, ensuring scalability and content management efficiency. It uses Bootstrap for responsive design and integrates numerous third-party analytics and marketing tools, including Google Tag Manager, Facebook Pixel, TikTok Pixel, and others. Performance is moderate with room for optimization, but mobile optimization and accessibility are excellent. The site uses modern security practices such as HTTPS and Content Security Policy. Technical risks include reliance on multiple external scripts which require continuous security monitoring. Overall, the technical infrastructure supports a professional and secure user experience aligned with business goals.
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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