Skip to main content

Security report for lku.lt

LKU · Finance · Lithuania

Medium risk. 6 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

LKU is a Lithuanian credit union group uniting 44 credit unions and serving over 130,000 members nationwide. The organization offers a broad range of financial services including consumer, housing, agricultural, and business loans, deposits, payment cards, and electronic banking. The website is professionally designed, content-rich, and targets private individuals, businesses, and agricultural clients in Lithuania. Technically, the site is built on WordPress with modern plugins and tracking tools, optimized for SEO and mobile use. Security posture is good with HTTPS, reCAPTCHA, and cookie consent mechanisms, though some security headers and explicit incident response policies are missing. WHOIS data is unavailable due to query limits or privacy protection, but the site’s partnerships and branding indicate legitimacy. Overall, the site presents a trustworthy and professional financial cooperative with room for security policy enhancements.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

6 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

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching lku.lt

This scan found 16 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
65
Security headers
95
Email security
85
DNS health
85
Network security
100
GDPR outside view
10
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

LKU holds a strong market position as a leading credit union group in Lithuania, leveraging cooperative principles and local community ties. Its business model focuses on providing accessible financial services to individuals, businesses, and agricultural sectors. Revenue streams likely include interest from loans, fees for payment services, and deposit products. The organization benefits from partnerships with major financial and technology providers such as Mastercard and the European Investment Fund. Growth indicators include recent news of expanding services and increasing loan and deposit volumes. The partnership ecosystem is robust, supporting service diversification and compliance. Strategic observations suggest continued focus on digital transformation and sustainability financing.

Security posture

The website demonstrates a moderate to good security maturity level with enforced HTTPS, use of Google reCAPTCHA on forms, and cookie consent compliant with GDPR. However, the absence of explicit security headers like Content-Security-Policy and lack of published security or incident response policies indicate gaps in security governance. No vulnerability disclosure or security.txt files were found, limiting transparency for security researchers. Data protection practices appear adequate with privacy policies and consent mechanisms, but incident response readiness and security culture indicators could be improved. Overall, the security posture is sufficient for a financial cooperative but would benefit from formalized policies and enhanced header configurations.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy.
  2. Publish a clear security policy and incident response contact information on the website.
  3. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  4. Regularly audit and update third-party scripts and plugins to mitigate vulnerabilities.
  5. Enhance transparency and trust by providing more detailed business registration and certification information.

Contact details published on the site

Addresses
Legal name
LKU
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
LKU
Description
LKU kredito unijų grupė vienija 45 kredito unijas visoje Lietuvoje, kurios teikia visas svarbiausias finansines paslaugas.
Key services
Consumer loans, Housing loans, Agricultural loans, Business loans, Deposits (term and savings), Payment cards (debit and credit), Electronic banking, Insurance, Factoring
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.7.2, jQuery 3.7.1, PixelYourSite plugin, MailerLite for newsletter, Google Tag Manager, Google reCAPTCHA v2, Yoast SEO plugin
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA implemented on forms
  • Cookie consent banner present
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics (via Google Tag Manager), Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Facebook Pixel
Tracking pixels
Facebook Pixel
Marketing tools
MailerLite, PixelYourSite
Transparency
good

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 in Lithuanian language
  2. Strong focus on credit union financial services for private, business, and agricultural clients
  3. Multiple loan calculators and application forms with GDPR-compliant consent checkboxes
  4. Use of modern web technologies and SEO best practices
  5. Presence of cookie consent and privacy policy consistent with GDPR
  6. No visible security.txt or explicit incident response contacts
  7. WHOIS data unavailable due to query limits or privacy protection
  8. Multiple trusted partner logos and social media presence
  9. No signs of WAF or blocking mechanisms
Technical notes

Notes

The website is built on a modern WordPress CMS platform with up-to-date plugins such as Yoast SEO and PixelYourSite for marketing and analytics. It uses jQuery and Google Tag Manager for tracking and performance monitoring. The site is mobile-optimized and includes accessibility features, though some could be improved. Performance is moderate with asynchronous loading of scripts and CDN usage for assets. Technical debt appears low, but security header implementation is incomplete. Hosting provider details are not explicitly identified. Overall, the technical infrastructure supports a professional and functional online presence with opportunities for security and performance enhancements.
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

Reviews of this site

Share your experience with lku.lt. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review lku.lt.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.