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Security report for douglascu.ie

Elevate Credit Union Limited · Finance · Ireland

Medium risk. 3 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

61/100

Risk levelMedium

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

Elevate Credit Union Limited operates as a member-owned financial cooperative based in Ireland, providing a range of financial services including loans, mortgages, current accounts, savings, and insurance products. The organization targets local community members seeking an alternative to traditional banking, emphasizing personal and professional service. The website reflects a medium-sized, well-established entity with a history dating back to 1964, positioning itself as a trusted local financial institution regulated by the Central Bank of Ireland. Technically, the website is built on the Umbraco CMS platform, leveraging modern JavaScript libraries such as jQuery, Bootstrap, and Leaflet for interactive maps. It integrates Google Tag Manager and Cookiebot for analytics and privacy compliance. The site demonstrates good mobile optimization and SEO practices, although accessibility features could be enhanced. Performance is moderate, with a clean and professional design that supports user engagement through tools like a loan calculator and mobile app promotion. From a security perspective, the site enforces HTTPS with strong SSL configuration and includes security headers such as Content-Security-Policy and X-Frame-Options. Cookie consent mechanisms are in place, and no exposed sensitive data or vulnerable libraries were detected. However, the absence of a dedicated security policy and incident response contact information represents an area for improvement. Overall, the security posture is solid but could benefit from formalized policies and vulnerability disclosure mechanisms. The domain registration details align well with the business claims, indicating legitimacy and trustworthiness. The website provides comprehensive contact information, including verified emails and phone numbers, and maintains active social media profiles. Privacy and cookie policies are present and GDPR compliant, supporting user trust and regulatory adherence. Strategic recommendations include publishing explicit security policies, enhancing accessibility, and maintaining regular security audits to sustain and improve the site's security and compliance posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
63/ 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

3 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

  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 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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  • 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
0
Security headers
75
Email security
70
DNS health
60
Network security
100
GDPR outside view
63
Average
61

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

Elevate Credit Union holds a strong position as a local financial cooperative in Ireland, focusing on member-centric financial products and services. Its business model as a not-for-profit cooperative differentiates it from traditional banks, appealing to community members seeking personalized financial solutions. The credit union's revenue streams likely include interest from loans, fees from services, and insurance products. The presence of a mobile app and online banking services indicates a commitment to digital transformation and customer convenience. Partnerships with service providers like Progress and Mapbox enhance operational capabilities. Growth indicators include active news updates, community engagement, and digital tools. The company maintains a consistent brand image and leverages social media for outreach, supporting its market presence and member engagement.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, robust SSL configuration, and implementation of key security headers. Cookie consent and privacy compliance mechanisms are actively managed via Cookiebot, reflecting adherence to GDPR requirements. No critical vulnerabilities or exposed sensitive data were identified in the HTML content. However, the lack of a published security policy and incident response contacts limits transparency and preparedness for security incidents. The use of third-party scripts like Google Tag Manager and Cookiebot is standard but requires ongoing monitoring for vulnerabilities. Overall, the site balances usability and security effectively but should formalize its security governance and incident response frameworks to enhance resilience and trust.

Recommendations

  1. Publish a comprehensive security policy page detailing security practices and controls.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance website accessibility to meet WCAG standards for broader user inclusivity.
  5. Conduct regular security audits and update third-party libraries to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Elevate Credit Union Limited
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Elevate Credit Union Limited
Description
Elevate Credit Union Limited is a local, not for profit co-operative offering financial services including loans, mortgages, current accounts, savings, and insurance to its members.
Key services
Loans, Mortgages, Current Accounts, Savings, Insurance, Online Banking, Mobile App
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.6.0, Bootstrap, Slick Slider, Leaflet.js, Google Tag Manager, Cookiebot
Frameworks
Umbraco CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Secure login links to HTTPS domains

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cookiebot
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is a fully functional financial services site for a credit union.
  2. Strong presence of member-focused services and tools like loan calculator and mobile app.
  3. Good integration of social media and contact information.
  4. No signs of phishing or malware.
  5. No explicit security policy or incident response information found.
  6. Cookie consent and privacy policies are implemented and accessible.
Technical notes

Notes

The website is built on the Umbraco CMS platform, utilizing a modern tech stack including jQuery 3.6.0, Bootstrap for responsive design, Slick Slider for interactive carousels, and Leaflet.js for map integration. Google Tag Manager and Cookiebot are employed for analytics and privacy management. The site uses Mapbox for map tiles, indicating reliance on external APIs. Performance is moderate, with asynchronous loading of scripts and lazy loading of images improving load times. SEO is well addressed with proper meta tags and Open Graph data. Mobile optimization is good, supporting a positive user experience across devices. Technical risks include dependency on multiple third-party scripts which require vigilant security monitoring. Opportunities exist to improve accessibility and formalize security and compliance documentation.
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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