Ten dimensions. One hundred points.
The weighting is the argument. A fifth of the score is regulatory exposure, which is what makes the audit a budget line rather than a nice-to-have. Every dimension is scored from observable evidence with the screenshot or data pull attached. No finding without a source.
Acquisition path
Whether a first-time visitor who wants to join or borrow can actually start.
Above-fold CTA · join in nav · apply from home · form length and field count · mobile tap flow
Accessibility · WCAG 2.2 AA
The live legal exposure for financial institutions.
Contrast · keyboard operability · labels · screen-reader structure
Conversion architecture
How the page directs intent once a visitor has it.
CTA hierarchy · click-to-call · branch and appointment paths · competing calls to action
Rate & product transparency
The single strongest driver of credit union site intent.
Rates findable from home · rates current · product comparison available
Mobile experience
Where most first visits now happen.
Viewport behavior · tap targets · mobile-specific friction in the join flow
Performance
Speed as a conversion input.
Core Web Vitals at three viewports
Local & organic search
Whether in-market prospects can find you at all.
Branch page structure · Google Business Profile hygiene · keyword position vs. in-market rivals
Disclosure hygiene
Required statements in the places regulators expect them.
NCUA insurance statement · Equal Housing · Truth-in-Savings and Reg Z on rate and loan pages
AI answer visibility
Whether assistants cite you when asked for the best credit union in your market.
Citation presence · entity clarity · structured data
Trust & proof
The signals that make a stranger comfortable moving money.
Member counts · returns to members · ratings · testimonials · awards
Headless render, three viewports
Every domain is rendered at desktop, tablet and mobile widths. Signals are captured per dimension and stored individually, not just as a composite.
No finding without a source
Each deduction carries the screenshot or data pull that produced it. You can disagree with a weight; you cannot disagree with the evidence.
Re-scored each quarter
Timed to the 5300 Call Report filing, so the digital score arrives the same week as the financials your board is already reading.