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Security report for fermoycreditunion.ie

Synergy Credit Union Ltd · 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

Synergy Credit Union Ltd is a well-established financial cooperative serving members primarily in Fermoy, Watergrasshill, and Cork City, Ireland. The organization offers a range of financial products including loans, savings accounts, current accounts, and financial planning services. Positioned as a trusted local credit union regulated by the Central Bank of Ireland, it targets community members seeking affordable and flexible financial solutions. The website reflects a professional and consistent brand image with clear navigation and relevant content tailored to its audience. Technically, the site employs modern web technologies such as jQuery, Bootstrap, Leaflet.js for mapping, and integrates analytics and marketing tools like Google Analytics, Facebook Pixel, and Cookiebot for privacy compliance. The CMS identified is Umbraco, indicating a robust content management infrastructure. Security posture is strong with HTTPS enforced, appropriate security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is well addressed with comprehensive cookie consent mechanisms and a clear privacy policy. Overall, the website demonstrates a mature digital presence with good performance and user experience, supporting the credit union's business objectives effectively.

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';…

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

Keep watching fermoycreditunion.ie

This scan found 17 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
0
Security headers
75
Email security
60
DNS health
65
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention fermoycreditunion.ie, from OffSeq Breach.

Total records
5
Employees
0
Customers
5
Third parties
0
Weak passwords
100%

3 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for fermoycreditunion.ie.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

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

Business context

Business profile

The credit union operates in the finance sector, focusing on community banking services. Its business model revolves around member deposits and loan issuance, with additional services like financial planning and insurance offerings. The presence of multiple branches and a mobile app indicates a medium-sized organization with regional reach. The company leverages partnerships with major platforms for analytics and marketing but maintains direct control over its core services. The website content and structure suggest a customer-centric approach with emphasis on transparency, regulatory compliance, and community engagement. Growth indicators include active news updates, promotional campaigns like bursaries and climate action funds, and digital onboarding options. The social media ecosystem is well integrated, enhancing outreach and member interaction.

Security posture

Security maturity is solid, with HTTPS and multiple security headers implemented, reducing risks of common web attacks. The use of CSRF tokens and secure cookie practices further strengthen defenses. No incident response or security policy pages were found, indicating an area for improvement in transparency and readiness. The cookie consent mechanism is robust, supporting GDPR compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. The integration of third-party scripts is standard but should be regularly audited to mitigate supply chain risks. Overall, the security posture aligns with industry best practices for financial institutions of this size and scope.

Recommendations

  1. Publish a dedicated security policy and incident response page to enhance transparency and preparedness.
  2. Implement a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Enhance website accessibility to meet higher standards for inclusivity.
  4. Regularly review and update third-party scripts and dependencies to avoid vulnerabilities.
  5. Consider adding more trust signals such as certifications or member testimonials to boost credibility.

Contact details published on the site

Addresses
Legal name
Synergy Credit Union Ltd
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Synergy Credit Union Ltd
Description
Synergy Credit Union with offices in Fermoy, Watergrasshill and Cork City. Offers flexible unsecured loans from car loans to home renovations up to €100,000.
Key services
Loans, Savings, Current Accounts, Financial Planning, Online Banking, Mobile App
Content quality
good
Branding
consistent

Technology

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

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • CSRF token usage (__RequestVerificationToken cookie)
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Google Ads, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, Facebook Ads
Tracking pixels
Facebook Pixel, Google Ads Conversion Tracking
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 professionally designed and well maintained
  2. Comprehensive cookie consent and privacy mechanisms implemented
  3. Multiple branch locations with detailed contact info and maps
  4. Use of modern web technologies and analytics tools
  5. No signs of blocking or WAF interference
  6. Strong regulatory compliance signals (Central Bank of Ireland regulation)
  7. No visible security vulnerabilities or exposed sensitive data
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, and Leaflet.js for interactive maps. Google Tag Manager orchestrates analytics and marketing tags, while Cookiebot manages cookie consent. The site loads multiple slick sliders for dynamic content presentation. Performance is moderate, with room for optimization in image loading and script management. Mobile optimization is good, ensuring usability across devices. SEO is supported by comprehensive meta tags and Open Graph data. Accessibility features are basic but present. The technical infrastructure supports a stable and user-friendly experience, though some modernization and performance tuning could further improve the site.
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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