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Security report for partnerscreditunion.co.uk

Partners Credit Union Limited · Finance · United Kingdom

Low risk. 3 critical or high findings in SSL/TLS, Security headers and 1 other check.

Security score

77/100

Risk levelLow

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

Partners Credit Union Limited is a regional financial cooperative serving members primarily in the Merseyside area and affiliated trade unions. The organization offers a range of financial products including savings accounts, loans, debit card payments, and online/mobile banking services. The website reflects a community-focused business model with clear regulatory compliance and member-centric services. Technically, the website uses established JavaScript libraries such as jQuery and integrates Google Tag Manager and Facebook SDK for analytics and marketing. Cookie consent is implemented, indicating attention to privacy compliance. Security posture is generally good with HTTPS enforced and no exposed sensitive data, though security headers are not explicitly detected. The WHOIS lookup failed due to domain registration issues, but the website is active and professionally maintained, suggesting the domain may be a subdomain or alias. Overall, the site is trustworthy and functional with room for technical and security enhancements.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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. 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

  2. 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';…

  3. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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

Keep watching partnerscreditunion.co.uk

This scan found 18 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.

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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
67
Security headers
80
Email security
85
DNS health
60
Network security
100
GDPR outside view
68
Average
77

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 credit union operates in the finance sector with a small organizational size focused on community and union members. Its competitive advantage lies in its regional focus and affiliation with trade unions such as Unite and Unison. Revenue streams likely include interest from loans and fees from services like debit card payments. The target customer segment includes residents and workers in Merseyside and members of specific unions. The partnership ecosystem includes technology providers like Progress Systems and online account management via partners.cuaccount.com. Growth indicators include active online loan applications and mobile banking app promotion. Strategic observations suggest maintaining regulatory compliance and enhancing digital services could support future growth.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enabled and cookie consent mechanisms in place. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options is a gap. There is no public incident response or vulnerability disclosure information, which could be improved. Compliance with GDPR is indicated by privacy and cookie policies. The security culture appears cautious but could benefit from formalizing incident response and improving technical security controls.

Recommendations

  1. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance browser security.
  2. Publish an incident response and vulnerability disclosure policy to improve transparency and readiness.
  3. Regularly audit and update third-party libraries to mitigate risks from outdated components.
  4. Enhance accessibility features to meet WCAG standards and improve user inclusivity.
  5. Improve SEO by adding structured data (JSON-LD) and optimizing meta tags for better search engine visibility.

Contact details published on the site

Addresses
Legal name
Partners Credit Union Limited
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Partners Credit Union Limited
Description
Partners Credit Union Limited provides financial services including savings accounts, loans, debit cards, and online/mobile banking primarily serving members in Merseyside and affiliated unions.
Key services
Savings accounts, Loans, Debit card payments, Online and mobile banking, Will writing service, Loan protection insurance
Content quality
good
Branding
consistent

Technology

Stack
jQuery, jQuery UI, Google Tag Manager, Facebook SDK, Cookie Script
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent implemented
  • Secure login and registration links

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Google Analytics (via Google Tag Manager), Facebook Pixel (via Facebook SDK)
Marketing tools
Facebook SDK
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge
  2. Content is focused on financial services for a regional credit union
  3. Clear contact information and regulatory compliance statements present
  4. Use of modern JavaScript libraries and cookie consent mechanisms
  5. Loan calculator tool implemented with interactive sliders
  6. Social media presence limited to Facebook
  7. No visible security headers detected in HTML source
  8. WHOIS data unavailable due to domain registration error
Technical notes

Notes

The website uses a traditional HTML structure with jQuery and jQuery UI for interactive elements such as the loan calculator. Google Tag Manager and Facebook SDK are integrated for analytics and marketing. Cookie Script manages cookie consent. The site is mobile responsive with a mobile navigation menu and adaptive image sliders. Performance is moderate with some room for optimization. No CMS is explicitly detected, suggesting a custom or legacy platform. Hosting provider details are not evident. Technical debt may exist due to legacy HTML meta tags and lack of modern frameworks. Opportunities include modernization with newer JavaScript frameworks and improved accessibility compliance.
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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