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Security report for mycreditunion.gov

National Credit Union Administration · Government · United States

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

Security score

71/100

Risk levelMedium

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

MyCreditUnion.gov is an official U.S. government website operated by the National Credit Union Administration (NCUA) providing comprehensive financial education resources focused on the non-profit credit union industry. The site targets consumers and credit union members seeking to improve their financial knowledge and manage their money effectively. It offers key services such as educational content, consumer assistance, share insurance information, complaint submission, and credit union location tools. The website is well-positioned as a trusted government resource with consistent branding and strong trust indicators including the .gov domain and official seals. Technically, the site is built on Drupal CMS and leverages modern web technologies including Google Tag Manager and Microsoft Clarity for analytics. It is optimized for mobile devices, accessibility, and SEO, delivering a fast and professional user experience. The technical infrastructure appears robust with no major performance or usability issues detected. From a security perspective, the website enforces HTTPS and maintains domain transfer protections. However, DNSSEC is not enabled and explicit security headers are not detected, representing areas for improvement. The site has a published vulnerability disclosure policy but lacks visible incident response contacts and cookie consent mechanisms, which may impact compliance with privacy regulations. Overall, the website demonstrates a high level of professionalism, trustworthiness, and content quality with minor gaps in privacy compliance and security hardening. Strategic recommendations include enabling DNSSEC, adding security headers, implementing cookie consent, and publishing incident response contacts to enhance security posture and regulatory 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

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.

    • 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

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Potential Subdomain Takeover

      Subdomain dev.mycreditunion.gov points to unregistered service dev-alb-709134219.us-east-1.elb.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory
    • High

      Potential Subdomain Takeover

      Subdomain staging.mycreditunion.gov points to unregistered service staging-1275236811.us-east-1.elb.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching mycreditunion.gov

This scan found 20 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

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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
77
Security headers
80
Email security
70
DNS health
45
Network security
100
GDPR outside view
53
Average
71

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 National Credit Union Administration operates MyCreditUnion.gov as a government educational platform focused on financial literacy for credit union members. The business model is non-commercial, providing free resources to the public. The site benefits from strong government backing, enhancing credibility and market position. Its partnership ecosystem includes related NCUA domains and official social media channels. The platform supports growth in consumer financial education and protection, aligning with government mandates. Revenue streams are not applicable as it is a government service. The site’s strategic advantage lies in its authoritative content and official status, which supports consumer trust and engagement.

Security posture

The website exhibits a mature security posture with mandatory HTTPS and domain transfer protections. The absence of DNSSEC and security headers like Content-Security-Policy and Strict-Transport-Security are notable gaps. No vulnerabilities or exposed sensitive data were found in the HTML content. The presence of a vulnerability disclosure policy indicates proactive security management. However, the lack of incident response contact details and cookie consent mechanisms suggests incomplete compliance with best practices and privacy regulations. Overall, the security maturity is good but can be enhanced by addressing these gaps to reduce risk and improve user trust.

Recommendations

  1. Enable DNSSEC to strengthen DNS security and prevent spoofing.
  2. Implement standard security headers such as Content-Security-Policy, X-Content-Type-Options, and Strict-Transport-Security.
  3. Add a cookie consent banner or mechanism to comply with privacy regulations and inform users about tracking.
  4. Publish clear incident response contact information to facilitate vulnerability reporting and incident management.
  5. Regularly review and update privacy and security policies to maintain compliance and transparency.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
National Credit Union Administration
Description
MyCreditUnion.gov is a financial education resource focused on the non-profit credit union industry from the National Credit Union Administration to help you manage and protect your money.
Key services
Financial education content, Consumer assistance center, Share insurance information and estimator, Complaint submission portal, Credit union locator
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Microsoft Clarity, Drupal CMS, JSON-LD structured data, Google Analytics
Frameworks
USA.gov design system
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
excellent
SEO
excellent

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Domain status serverTransferProhibited
  • No exposed sensitive data in HTML
  • Use of official .gov domain
  • Vulnerability disclosure policy present

Analytics and tracking

Services
Google Analytics, Microsoft Clarity
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Clarity
Transparency
basic

Site quality

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

Key observations

  1. Official U.S. government financial education website for credit unions.
  2. Content is comprehensive, well-structured, and professionally presented.
  3. No signs of malicious or suspicious content.
  4. Strong branding and trust signals consistent with government standards.
  5. Use of modern analytics and tracking tools with no aggressive advertising.
  6. No explicit privacy or cookie consent banner detected, which may be a compliance gap.
  7. No direct contact emails or phone numbers found on the main site; contact primarily via forms and external complaint portal.
Technical notes

Notes

The website is built on Drupal CMS and uses modern analytics tools including Google Tag Manager and Microsoft Clarity. It employs JSON-LD structured data for SEO and semantic clarity. The site is mobile-optimized, accessible, and fast loading, reflecting good technical implementation. Hosting details are not explicit but likely government-managed. The absence of DNSSEC and some security headers indicates room for technical hardening. Overall, the infrastructure is solid with opportunities for modernization in security configurations to align with best practices.
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

Earlier scans of this domain

  1. 71/100Medium24 findingsView report
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