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Security report for ukfcu.org

University of Kentucky Federal Credit Union · Finance · United States

Low risk. 4 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

University of Kentucky Federal Credit Union is a well-established financial cooperative serving the University of Kentucky community and surrounding areas. The credit union offers a broad range of financial products including checking and savings accounts, loans, credit cards, and investment services. It holds a strong market position supported by multiple awards and certifications, emphasizing community involvement and member-focused banking. The website reflects a professional and trustworthy brand with consistent messaging and clear navigation. Technically, the site uses modern web technologies, including Kentico CMS and various analytics and marketing tools, and is hosted with Cloudflare DNS services. Security posture is strong with HTTPS enforced and secure login forms, though DNSSEC is not enabled and some security headers could be improved. Privacy compliance is basic with a cookie consent mechanism and a comprehensive privacy policy, but no explicit GDPR compliance statements or data protection officer information were found. Overall, the site is safe, well-maintained, and credible, with extensive tracking and marketing integrations. Recommendations include enhancing DNS security, publishing a vulnerability disclosure policy, and improving security header coverage.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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

4 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 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

      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

  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
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  • 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
50
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

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 as a member-owned financial institution targeting university students, staff, and local residents. Its business model focuses on personalized financial services and community engagement, leveraging partnerships with local organizations and preferred partners. Revenue streams likely include interest from loans, fees, and investment services. The organization demonstrates growth and stability with a domain age of over 20 years and multiple industry recognitions. The partnership ecosystem includes well-known local and national organizations, enhancing its community presence and service offerings. The website supports business goals with clear calls to action for membership and product applications, and a strong emphasis on digital banking capabilities.

Security posture

The website exhibits a mature security posture with HTTPS enforced and secure login mechanisms. The domain status clientTransferProhibited adds protection against unauthorized transfers. However, DNSSEC is not enabled, which is a recommended best practice for domain security. No security.txt or vulnerability disclosure pages were found, indicating a potential gap in transparency and incident response readiness. The use of multiple third-party scripts introduces some risk, but no vulnerable libraries or exposed sensitive data were detected. Cookie consent is implemented, but GDPR compliance is not explicitly addressed. Overall, the site is secure for typical user interactions but could improve in domain security and incident response transparency.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish a security policy or vulnerability disclosure page to improve transparency and incident response readiness.
  3. Add explicit security headers such as X-Frame-Options and X-Content-Type-Options to harden browser security.
  4. Regularly audit and update third-party scripts to mitigate risks from external dependencies.
  5. Enhance privacy compliance by including GDPR-specific statements and appointing a Data Protection Officer if applicable.

Contact details published on the site

Addresses
Legal name
University of Kentucky Federal Credit Union
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
University of Kentucky Federal Credit Union
Description
University of Kentucky Federal Credit Union offers personalized financial services, student-friendly accounts, and community-focused solutions including checking, savings, loans, investment services, and digital banking.
Key services
Checking Accounts, Savings Accounts, Auto Loans, Home Equity Loans, Credit Cards, Personal Loans, Investment Services, Digital Banking
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Google Analytics, Hotjar, TikTok Pixel, Facebook Pixel, StackAdapt, Reddit Pixel, Cloudflare DNS
Frameworks
Kentico CMS
Platforms
Web, iOS App, Android App
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login forms with POST method
  • No exposed sensitive data in HTML
  • Use of clientTransferProhibited domain status
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Analytics, Hotjar, Facebook Analytics, TikTok Analytics, StackAdapt Analytics
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
StackAdapt, Simpli.fi, MyMarketingReports
Tracking pixels
Facebook Pixel, TikTok Pixel, Reddit Pixel, Hotjar
Marketing tools
Hotjar, UserWay Accessibility Widget
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-structured.
  2. Strong focus on community and member services.
  3. Multiple trusted certifications and awards displayed.
  4. Comprehensive product and service offerings.
  5. Use of multiple third-party analytics and marketing tools.
  6. Secure login forms and HTTPS enforced.
  7. Cookie consent mechanism implemented.
  8. No signs of suspicious or malicious content.
Technical notes

Notes

The website is built on the Kentico CMS platform, leveraging modern JavaScript libraries and multiple analytics and marketing tools including Google Analytics, Hotjar, Facebook Pixel, and TikTok Pixel. Hosting and DNS services are provided by Cloudflare, ensuring reliable performance and security. The site is mobile optimized with responsive design and accessibility features such as ARIA labels and keyboard navigation support. Performance is moderate, with asynchronous loading of scripts and optimized images. The technical infrastructure supports a professional user experience but could benefit from enabling DNSSEC and improving security header implementation to reduce attack surface.
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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