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Security report for ncua.gov

National Credit Union Administration · Government · United States

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

79/100

Risk levelLow

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

The National Credit Union Administration (NCUA) is an independent U.S. federal government agency responsible for regulating federal credit unions, insuring deposits through the National Credit Union Share Insurance Fund, and protecting credit union members. The agency provides a broad range of services including regulatory supervision, consumer protection, financial data analysis, and support services to maintain the safety and soundness of the credit union system. The website serves as a comprehensive resource for credit unions, consumers, and stakeholders with extensive regulatory guidance, news, tools, and cybersecurity resources. Technically, the website is built on the Drupal CMS platform and employs modern analytics tools such as Google Tag Manager and Microsoft Clarity. The site is well-optimized for mobile devices, accessible, and features a professional design with clear navigation. While HTTPS is enforced and no sensitive data is exposed, the site lacks some security headers and a cookie consent mechanism despite using tracking scripts, which are areas for improvement. From a security perspective, the NCUA website demonstrates a solid posture with publicly available cybersecurity resources and incident reporting channels. The domain is a legitimate .gov domain with a long registration history and appropriate privacy protection. No critical vulnerabilities or suspicious content were detected. Overall, the site is trustworthy, authoritative, and serves its government regulatory function effectively.

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

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.

    • 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

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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
77
Security headers
80
Email security
85
DNS health
80
Network security
100
GDPR outside view
53
Average
79

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.

Brand lookalikes

Add-on

Domains that imitate ncua.gov and could be used for phishing or spoofed email, tracked in OffSeq Breach.

Tracked
1
Registered
1
Resolving
1
High or critical
0

Last checked 2026-07-18

Masked preview

  • nc•••.govMediumbitsquatting

See the full lookalike list

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Lookalike data refreshes continuously. Monitoring on Breach alerts you when a variant is registered, gains a mail server or starts serving HTTPS.

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Technical appendix

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

Business context

Business profile

NCUA holds a strong market position as the federal regulator and insurer of credit unions in the United States. Its business model is that of a government agency funded by federal appropriations, focusing on regulatory oversight, deposit insurance, and consumer protection. The agency targets credit unions, their members, consumers seeking financial education, and other government stakeholders. The website reflects a mature digital presence with integrated partner sites and tools that enhance transparency and service delivery. The absence of direct contact emails or phone numbers on the homepage suggests a preference for controlled communication channels such as contact forms and dedicated portals. The agency's extensive content and resources indicate a commitment to education, compliance, and risk management within the credit union industry.

Security posture

The NCUA website exhibits a good security posture with mandatory HTTPS, no visible exposure of sensitive information, and active cybersecurity resources including incident reporting guides and portals. However, the lack of HTTP security headers (such as Content Security Policy, HSTS, X-Frame-Options) reduces the overall security hardening. The use of third-party analytics and tracking scripts without a visible cookie consent mechanism may raise privacy compliance concerns. The domain's WHOIS privacy protection is justified and typical for government domains. No malware, phishing, or other critical security issues were detected. Recommendations include enabling DNSSEC, implementing security headers, and adding explicit security policy documentation to enhance trust and compliance.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
  2. Implement standard HTTP security headers (CSP, HSTS, X-Frame-Options, X-Content-Type-Options) to harden the website against common attacks.
  3. Add a visible cookie consent banner or mechanism to comply with privacy regulations given the use of tracking scripts.
  4. Publish explicit security policies or frameworks (e.g., NIST, ISO 27001) to demonstrate security governance.
  5. Consider adding a security.txt file to facilitate responsible vulnerability disclosure.

Contact details published on the site

Addresses
Legal name
National Credit Union Administration
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
National Credit Union Administration
Description
The National Credit Union Administration is an independent federal agency responsible for regulating federal credit unions, insuring deposits, and protecting members of credit unions.
Key services
Regulation and supervision of federal credit unions, Deposit insurance via National Credit Union Share Insurance Fund, Consumer protection and education, Support services including training, grants, liquidity management, Data analysis and reporting on credit union financial performance
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Microsoft Clarity, Drupal CMS, jQuery
Frameworks
Drupal
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager and Microsoft Clarity for analytics
  • Cybersecurity resources and incident reporting guidance publicly available

Analytics and tracking

Services
Google Analytics (via Google Tag Manager), Microsoft Clarity
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Clarity
Marketing tools
Microsoft Clarity, Mautic (subscriptions.ncua.gov)
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 website with .gov domain
  2. Comprehensive content on credit union regulation and consumer protection
  3. Well-structured navigation with multiple sections and resources
  4. Use of modern analytics and tracking tools
  5. No signs of malicious or suspicious content
  6. No visible contact emails or phone numbers explicitly listed on homepage; contact via forms and /contact-us page
  7. No cookie consent banner detected despite use of tracking scripts
  8. No explicit privacy or security certifications displayed
  9. No security headers detected in HTML content
  10. No visible forms collecting sensitive data on homepage
Technical notes

Notes

The website uses Drupal CMS with jQuery and integrates Google Tag Manager and Microsoft Clarity for analytics and user behavior tracking. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, likely due to multiple external scripts and rich content. The domain registrar is get.gov, consistent with government domains. No hosting provider details are explicitly found. The site uses canonical and Open Graph metadata effectively for SEO and social sharing. There is no evidence of outdated or vulnerable libraries in the provided content. The site could benefit from improved security headers and cookie consent mechanisms to align with modern 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

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