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CREDIT UNION INDUSTRY

Security for Credit Unions

Creditunionsfacemanyofthesamecybersecuritythreatsastraditionalbanks,butoftenwithfewerdedicatedsecurityresources.Wehelpcreditunionsofallsizesprotectmemberdata,navigateNCUAexaminationrequirements,andbuildresilientsecurityprogramsthatscalewithgrowth—withouttheoverheadofalarge-bankengagement.

Industry snapshot

A distinctive risk profile

Every industry has its own risk fingerprint. These are the defining characteristics that shape our approach here.

NCUA
Primary regulator
Examination readiness
100%
Member data sensitivity
PII · financial · behavioral
Lean
Security teams
Fewer dedicated resources
24/7
Digital banking uptime
Mobile · online · card
Compliance

Regulatory Frameworks

Every engagement is mapped to the frameworks that matter most in this industry — so each finding directly supports your compliance posture.

NCUA Part 748, Appendix A
requires implementation of an information security program with regular testing of key controls, systems, and procedures
NCUA Information Security Examination (ISE)
strengthened emphasis on penetration testing, wireless controls, firewall rules, and third-party security
FFIEC Guidance for Credit Unions
same FFIEC IT examination standards apply to federally insured credit unions
GLBA Safeguards Rule
annual penetration testing and semi-annual vulnerability assessments required
DORA (EU)
Digital Operational Resilience Act requires annual resilience testing for EU-operating credit unions, with TLPT every 3 years for significant entities
Methodology

Testing Methodology

A tested, repeatable approach covering every layer of the modern environment relevant to this industry.

01 · PHASE

External and internal network penetration testing scaled to the credit union’s size and complexity

02 · PHASE

Member-facing application testing

including online banking, mobile apps, and member portals

03 · PHASE

Shared branching network security assessment

evaluating risks from interconnected credit union systems

04 · PHASE

Third-party and CUSO risk assessment

testing vendor integrations and validating SOC reports

05 · PHASE

Social engineering and phishing simulation campaigns

Services

Key services

Targeted services for the most common security needs in this industry.

Threat landscape

Threats facing this sector today

Every security engagement is scoped based on the attack patterns that actually hit this sector — not a generic checklist.

Member account takeover

Phishing, credential stuffing, and SIM-swap attacks against online and mobile banking accounts.

Core banking vendor risk

Compromise of shared core platforms and third-party processors used by most credit unions.

Card fraud and ATM attacks

Skimming, shimming, and network-level attacks against debit and ATM infrastructure.

BEC targeting lending operations

Business email compromise and wire-fraud attempts against lending operations and member-services teams.

Ransomware affecting operations

Encryption-based attacks that disrupt branch, teller systems, and online-banking systems during business hours.

Insider threats

Abuse of privileged access to member accounts, loan systems, or transaction records by employees or contractors.

FAQ

Frequently asked questions

Ready to secure your credit union?

Talk to our team about a security assessment tailored to the unique risk profile of your organization.

Request a Security Assessment