Website review, no card needed

chartway.com logo

chartway.com website review

Visit site (opens in a new tab)Reviewed 31 October 202646 issues · 114 checks

This review found 46 issues worth fixing on chartway.com, 16 of them high impact, across 114 checks. The most urgent: improve image delivery. Your full playbook turns these into prioritised fixes alongside reviews, competitors and channels.

  1. Homepage
  2. Phone render
  3. Links and pages
  4. Google PageSpeed

Google PageSpeed Insights (opens in a new tab), mobile

Real-visitor load time (LCP)75th percentile, phones
2.8 s2.6 sMay 9Oct 242.7 s
Show as table
DateReal-visitor load time (LCP)
May 9, 20262.7 s
May 16, 20262.7 s
May 23, 20262.7 s
May 30, 20262.7 s
Jun 6, 20262.7 s
Jun 13, 20262.7 s
Jun 20, 20262.7 s
Jun 27, 20262.7 s
Jul 4, 20262.7 s
Jul 11, 20262.7 s
Jul 18, 20262.7 s
Jul 25, 20262.8 s
Aug 1, 20262.8 s
Aug 8, 20262.8 s
Aug 15, 20262.7 s
Aug 22, 20262.7 s
Aug 29, 20262.7 s
Sep 5, 20262.7 s
Sep 12, 20262.7 s
Sep 19, 20262.7 s
Sep 26, 20262.7 s
Oct 3, 20262.7 s
Oct 10, 20262.7 s
Oct 17, 20262.7 s
Oct 24, 20262.7 s
Real-visitor tap response (INP)75th percentile, phones
317 ms232 msMay 9Oct 24293 ms
Show as table
DateReal-visitor tap response (INP)
May 9, 2026242 ms
May 16, 2026249 ms
May 23, 2026261 ms
May 30, 2026271 ms
Jun 6, 2026278 ms
Jun 13, 2026284 ms
Jun 20, 2026285 ms
Jun 27, 2026287 ms
Jul 4, 2026287 ms
Jul 11, 2026286 ms
Jul 18, 2026284 ms
Jul 25, 2026286 ms
Aug 1, 2026294 ms
Aug 8, 2026303 ms
Aug 15, 2026307 ms
Aug 22, 2026305 ms
Aug 29, 2026303 ms
Sep 5, 2026296 ms
Sep 12, 2026292 ms
Sep 19, 2026290 ms
Sep 26, 2026289 ms
Oct 3, 2026288 ms
Oct 10, 2026291 ms
Oct 17, 2026293 ms
Oct 24, 2026293 ms

Chrome UX Report (opens in a new tab): real Chrome visitors over rolling 28-day periods.

One score from every part of this review. How it works

Full-page screenshot of chartway.com (phone) rendered by Google PageSpeed Insights

How it loaded on a phone

  1. chartway.com at 1.3 s1.3 s
  2. chartway.com at 2.5 s2.5 s
  3. chartway.com at 3.8 s3.8 s
  4. chartway.com at 5.1 s5.1 s
  5. chartway.com at 6.3 s6.3 s
  6. chartway.com at 7.6 s7.6 s
  7. chartway.com at 8.9 s8.9 s
  8. chartway.com at 10.1 s10.1 s

chartway.com does not allow embedding, so this is Google's rendering of the page.

Speed

13 to fix34
  • Improve image delivery

    10.3 s · 4.7 MB

    7 images could be 4.7 MB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen. Google estimates it would make the page about 10.3 s faster on a phone.

  • Reduce unused JavaScript

    1.5 s · 2.4 MB

    About 2.4 MB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 1.5 s faster on a phone.

  • Render-blocking requests

    2.7 s

    24 files block the first paint until they finish downloading. Deferring or inlining them could save about 2.7 s.

  • Google Tag Manager adds 1.0 s

    1.0 s

    Google Tag Manager costs a phone 1.0 s of main-thread work and 1,023 KiB of downloads while your page loads. That alone is enough to make taps feel slow. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • Mobile performance score: 34

    34/100

    Your mobile performance score is 34. Under 50 is Google's “poor” band: many phone visitors leave before the page is usable.

  • Main-thread work: 6.9 s

    A phone's processor spends 6.9 s on main-thread work while loading, 2.8 s of it running JavaScript. Above 2 s, taps and scrolls feel sluggish.

  • 8 third-party services on the page

    8 third-party services load with your homepage (Google Tag Manager, poshdevelopment.com and Facebook and others), adding 5.1 MB and 2.3 s of main-thread time.

  • Use efficient cache lifetimes

    700 ms · 1.5 MB

    120 files are served with short cache lifetimes, so returning visitors download them again (1.5 MB).

  • Reduce unused CSS

    450 ms · 266 KiB

    About 266 KiB of CSS is downloaded but never applied on this page. Google estimates it would make the page about 450 ms faster on a phone.

  • poshdevelopment.com adds 422 ms

    422 ms

    poshdevelopment.com costs a phone 422 ms of main-thread work and 1.6 MB of downloads while your page loads. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • LivePerson adds 200 ms

    200 ms

    LivePerson costs a phone 200 ms of main-thread work and 1.4 MB of downloads while your page loads. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • 20 long tasks on the main thread

    20 long tasks block the main thread while loading, the longest for 262 ms. During a long task the page ignores taps.

  • salemove.com adds 212 ms

    212 ms

    salemove.com costs a phone 212 ms of main-thread work and 417 KiB of downloads while your page loads. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • Minify JavaScript

    150 ms · 12 KiB

    12 KiB could be saved by minifying JavaScript.

  • Font display

    50 ms

    Web fonts hide text while they load. Setting font-display: swap shows text immediately (about 50 ms).

  • Legacy JavaScript

    26 KiB

    Polyfills for old browsers add 26 KiB JavaScript that modern phones do not need.

  • Minify CSS

    17 KiB

    17 KiB could be saved by minifying CSS.

  • Chained critical requests

    Critical files load one after another instead of in parallel (3 chains). Preconnecting to key origins and preloading the hero image shortens the chain.

  • Forced reflow

    Scripts make the browser recalculate the layout repeatedly while the page loads, which wastes processor time on phones.

1 checks passed
  • Server response: 19 ms

    19 ms

    Your server sent the HTML in 19 ms, well inside Google's 600 ms guideline.

Core Web Vitals

11 to fix33
  • Fails Core Web Vitals for real visitors

    Real Chrome users on phones do not pass Google's Core Web Vitals on this page (28-day field data from the Chrome UX Report (opens in a new tab)). Google uses this in ranking.

  • Largest Contentful Paint: 22.1 s

    22.1 s

    Your largest element takes 22.1 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the image.

  • Speed Index: 17.9 s

    17.9 s

    Visually, the page fills in at 17.9 s (Speed Index). Good is under 3.4 s.

  • Time to Interactive: 56.4 s

    56.4 s

    The page becomes fully interactive after 56.4 s. Good is under 3.8 s.

  • First Contentful Paint: 5.0 s

    5.0 s

    The first text or image appears after 5.0 s on a phone. Good is under 1.8 s.

  • Total Blocking Time: 983 ms

    983 ms

    Scripts block taps and scrolling for 983 ms in total while the page loads. Good is under 200 ms.

  • Real-user LCP: 2.8 s

    2.8 s

    Real visitors wait 2.8 s for the largest content to appear (75th percentile). Good is under 2.5 s.

  • Real-user INP: 294 ms

    294 ms

    Real visitors wait 294 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.

  • Real-user FCP: 2.3 s

    2.3 s

    Real visitors see the first content after 2.3 s (75th percentile). Good is under 1.8 s.

  • Real-user TTFB: 830 ms

    830 ms

    Real visitors wait 830 ms for your server to start answering (75th percentile). Good is under 800 ms.

  • 26 images without width and height

    26 images have no width and height attributes, so the layout jumps as each one loads.

  • Tap response (INP) got 19% slower for real visitors

    +19%

    Over the last 25 four-week periods to 2026-10-24, real Chrome visitors' tap response (inp) went from 242 ms to 293 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).

  • Largest content (LCP) held steady for real visitors

    +2%

    Over the last 25 four-week periods to 2026-10-24, real Chrome visitors' largest content (lcp) went from 2.7 s to 2.7 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).

2 checks passed
  • Real-user CLS: 0.05

    0.05

    For real visitors the layout shifts by 0.05 (75th percentile). Good is under 0.1.

  • Cumulative Layout Shift: 0.032

    0.032

    The layout barely moves while loading (CLS 0.032, good is under 0.1).

Images and page weight

4 to fix35
  • Page weight: 11.5 MB in 322 requests

    11.5 MB

    Your homepage downloads 11.5 MB in 322 requests on a phone: images 5.5 MB (29), scripts 5.1 MB (154) and other files 426 KiB (102). Under 2 MB keeps phones on slow connections fast.

  • 4 images over 500 KB

    4 images weigh 4.0 MB together. On a phone connection a single image that size takes seconds.

  • 6 images in older formats

    6 images (4.6 MB) are JPEG, PNG or GIF. The same pictures as WebP or AVIF are usually much smaller at the same quality, and every current browser shows them.

  • 3 images far larger than shown

    330 KiB

    3 images are downloaded at several times the size a phone draws them, for example Silvur-Carousel.png at 700 px wide, shown at 197 px. Resized copies would save about 330 KiB.

  • About 3.3 g of CO₂ per visit

    3.27 g

    By the Sustainable Web Design model, a visit to your homepage emits about 3.27 g of CO₂e: 392.7 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.

1 checks passed
  • Images load when needed

    Images below the first screen wait until the visitor scrolls to them.

Accessibility

4 to fixGoogle 9595
  • 1 text element with low contrast

    1 text element doesn't have enough contrast against the background to read easily, especially outdoors on a phone.

  • All page content should be contained by landmarks (30 elements)

    All page content should be contained by landmarks: 30 elements on the page fail this check, rated moderate by axe-core.

  • No main landmark

    The page has no <main> landmark, so screen-reader users cannot jump straight to the content.

  • 5 form fields without a label

    5 form fields have no label, so screen readers announce an empty box and autofill guesses.

  • Headings skip levels

    Headings skip levels (h2 → h4), which makes the page harder to scan with a screen reader.

2 checks passed
  • Every image has alt text

    All 36 images in the HTML carry an alt attribute.

  • 46 automated accessibility rules passed

    axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 49 WCAG 2.2 A/AA and best-practice rules on the phone render: 46 passed and 3 failed. 1 more need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.

SEO

5 to fixGoogle 10080
  • No structured data

    No structured data (JSON-LD), so Google can't show rich results such as your logo, ratings or FAQs.

  • No canonical URL

    No canonical URL, so duplicate versions of the homepage (with or without www, with tracking parameters) can split ranking signals.

  • Meta description is long (167 characters)

    Your meta description is 167 characters; Google truncates after about 160, so the end of your pitch is cut.

  • No social preview image

    No Open Graph image (also missing: og:title, og:description), so links shared on LinkedIn, Slack or Facebook show no preview picture.

  • No robots.txt

    There is no robots.txt at chartway.com/robots.txt, the first file search crawlers ask for.

  • No X (Twitter) card tag

    No twitter:card tag. X falls back to Open Graph, which is incomplete here.

  • 220 internal links, 22 external

    The homepage links to 220 pages on chartway.com and 22 external pages.

3 checks passed
  • One H1 headline

    Your main headline reads: “Home Page”.

  • Title: 60 characters

    Your title is a healthy 60 characters: “Banking, Loans, Mortgages, Community | Chartway Credit Union”.

  • XML sitemap found

    Your XML sitemap is reachable at https://www.chartway.com/sitemap.xml.

AI search readiness

1 to fix88
  • No Organization structured data

    There is no Organization (or LocalBusiness) JSON-LD, so search engines and AI assistants have no machine-readable facts about who runs the site: its name, logo, profiles and contact details.

  • No llms.txt

    There is no /llms.txt, a short Markdown guide to your key pages for AI tools (llmstxt.org). It is optional and few AI tools read it yet, so treat it as a cheap extra.

2 checks passed
  • AI answer engines may read the site

    There is no robots.txt, so nothing stops the crawlers behind ChatGPT search, Claude and Perplexity from reading the site and cite it in answers.

  • Text is in the HTML

    Your server sends the page's text in the HTML (1,087 words), so crawlers that don't run JavaScript still read it.

Other pages

1 to fix95
  • 1 page without a meta description

    /online-banking-portal.html has no meta description, so Google writes the search snippet from whatever text it finds.

  • 1 page with very little text

    /online-banking-portal.html has under 150 words in the HTML. Thin pages rarely rank; if the text loads with JavaScript, crawlers that don't run it see even less.

  • 15 internal pages checked

    We fetched 15 pages linked from your homepage (of 100 found) and read each the way a search engine does.

6 checks passed
  • Linked pages load

    All 15 pages we checked loaded without an error.

  • Canonical URLs point to themselves

    No page we checked hands its ranking to a different URL.

  • Titles are unique

    Every page we checked has its own title.

  • Every page has an H1

    Each page we checked has a main headline.

  • No linked page is hidden from search

    None of the pages we checked carries a noindex tag.

  • Every page has a title

    All 15 pages that loaded have a <title>.

Best practices

4 to fixGoogle 7370
  • 1 broken image

    1 image failed to load on a phone, for example https://bat.bing.com/action/0?ti=295010694&tm=gtm002&Ver=2&mid=917db568-3ee3-4e34-a64b-268a92a523a1&bo=1&sid=a19282c0d52611f1ba7c07c6b6349158&vid=a192b950d52611f199a669a66d46509f&vids=1&msclkid=N&pi=9.

  • 11 small tap targets

    11 of 21 tappable elements near the top of the page are smaller than 24 px, hard to hit with a thumb.

  • 2 third-party cookies

    2 third-party cookies are set on load; browsers are restricting these, so whatever relies on them breaks.

  • 4 JavaScript errors while loading

    4 errors were logged to the browser console while the page loaded, for example “Failed to load resource: net::ERR_SOCKET_NOT_CONNECTED”.

  • 1 low-resolution image

    1 image is served at too low a resolution for sharp phone screens.

  • Browser-reported issues

    Chrome logged issues while loading the page (“Cookie”).

1 checks passed
  • Mobile viewport set

    The page declares a mobile viewport.

Security and trust

1 to fix93
  • No Content-Security-Policy

    No Content-Security-Policy header, the main browser-side defence against injected scripts.

  • HTTP/1.1 only

    The server only offers HTTP/1.1, so browsers open several connections and load files more slowly. Most hosts and CDNs turn on HTTP/2 with a setting.

  • No Referrer-Policy

    No Referrer-Policy header, so full URLs can leak to the sites you link to.

  • No Permissions-Policy

    No Permissions-Policy header to switch off camera, microphone and location for embedded content.

  • No security.txt

    There is no /.well-known/security.txt telling researchers how to report a security problem to you.

6 checks passed
  • Served over HTTPS

    The homepage is served over HTTPS (chartway.com).

  • Valid certificate (107 days left)

    The certificate from Network Solutions, LLC · Network Solutions RSA EV SSL CA 4 verifies for chartway.com and is valid for another 107 days.

  • Protected from clickjacking

    X-Frame-Options or a frame-ancestors policy stops other sites framing yours.

  • HSTS enabled

    Strict-Transport-Security is set, so browsers always use https.

  • http:// redirects to https

    http://chartway.com redirects to the secure version.

  • All 56 links work

    All 56 links checked from your homepage (40 internal, 16 external) answered without errors.

Domain and trust

  • DNSSEC is off

    chartway.com's DNS answers are not signed. DNSSEC stops attackers forging them to send visitors or email elsewhere; most registrars switch it on in a click, though most sites still run without it.

3 checks passed
  • Domain is 30 years old

    30 years

    chartway.com was registered in Nov 1995 through Network Solutions, LLC. An established domain carries more trust with email providers and search engines.

  • Certificate issuers are restricted

    CAA records allow only trust-provider.com, sectigo.com, letsencrypt.org and www.digicert.com to issue certificates for chartway.com, so a mis-issued certificate from anyone else is refused.

  • Registered until Nov 2030

    chartway.com is registered until Nov 2030.

Content and conversion

1 to fix94
  • Local business without LocalBusiness data

    Your homepage shows a street address but no LocalBusiness JSON-LD, so Google and AI assistants have to guess your address, hours and phone from the page text.

  • No opening hours

    The homepage shows no opening hours. If customers visit or call, show when.

  • No map or directions link

    There is no link to Google or Apple Maps. A directions link is one tap for a phone visitor.

  • No risk reducer

    No guarantee or risk reducer (money-back, free trial, no credit card) is mentioned, which is often what tips a hesitant visitor.

  • About 460 words of copy

    The homepage carries about 460 words of visible text.

  • Urgency cues

    The page uses urgency cues (a countdown or limited-time wording).

7 checks passed
  • Clear next step on the first screen

    On a phone, the first screen shows a clear next step: “Learn More 6 Month Promo Certificate”.

  • 14 calls to action

    The homepage has 14 calls to action, for example “Join”, “Learn More 6 Month Promo Certificate” and “Learn More HELOC 3.69% APR”.

  • 2 short forms

    2 short forms (1 field at most) are right on the homepage.

  • Social proof on the page

    Social proof on the homepage: 5 customer or partner logos, 6 trust badges and “0 + Members”.

  • Analytics in place

    Analytics detected: Google Tag Manager.

  • Direct contact links

    Visitors can reach you directly: 1 phone link and 0 email links.

  • Phone number on the homepage

    Your phone number is on the homepage as a tap-to-call link.

Email authentication

100
  • Email authentication score: 100/100

    Email authentication: SPF record 25 points, plus 15 when it ends in -all (10 for ~all); DMARC record 25, plus 25 for a reject policy (15 for quarantine); a DKIM key on a common selector 10.

3 checks passed
  • DMARC policy: reject

    DMARC tells receivers to reject mail that fails authentication, and sends you reports.

  • SPF with a strict ending (-all)

    An SPF record lists your sending servers and tells receivers to reject anything else: “v=spf1 include:_spf.chartway_com._d.easydmarc.pro -all”.

  • DKIM signing found

    A DKIM key is published (selector “selector1” and “k2”), so receivers can verify mail really came from you.

Privacy and tracking

1 to fix
  • 9 trackers load before any consent

    9

    Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Hotjar and LinkedIn Insight and 4 mores (measured from a US location before any click). No consent tool was detected. Visitors from the EU, UK and several US states must be asked first.

  • 22 cookies set on arrival

    22

    Opening the homepage sets 22 cookies, 2 of them by other companies (measured from a US location before any click).

  • No consent tool detected

    No known cookie consent tool loads with the page. Some sites build their own banner, and some only show one to visitors from the EU.

  • 54 other companies contacted

    Loading the homepage contacts 54 hosts run by other companies (fonts, scripts, analytics, ads), each of which sees the visitor's IP address.

Upkeep, stack and company

No signs of neglect in what was checked: the copyright year, CMS and plugin versions, and jQuery.

Stack

Framework
jQuery
Analytics
Google Tag Manager
Hosting
Rackspace

Upkeep, stack, hiring and company data from programmable.info

Go beyond the website

What your $25 Growth Playbook adds

This review found 46 issues on chartway.com, including 24 speed issues, 5 SEO issues and 1 conversion gap. That is the website alone. The full Growth Playbook pairs these findings with what your customers say in public reviews and communities and what your closest competitors do better, then turns everything into at least 20 prioritised ideas, each with the evidence behind it, a step-by-step playbook, a metric and an owner.

  • 28 research agents read your site, reviews, competitors, communities and public filings
  • Customer review mining (G2, Capterra, Trustpilot and more) and voice-of-pain analysis in your buyers’ own words
  • Competitor intelligence with battlecards for your closest rivals
  • Ideal customer profile, buyer segments and buying-stage funnel
  • Ranked channels, outreach sequences and content angles
  • Live Reddit threads where buyers ask for what you sell, with draft replies
  • Earned media and PR openings
  • At least 20 ideas with evidence, a step-by-step playbook, metric, owner, effort and impact, grouped into this week, this quarter, big bets and wildcards, plus a 30/60/90-day roadmap
  • PDF, Markdown, CSV, Notion and Linear exports, and a shareable page your team can track progress on
  • Refresh the playbook later to see what changed

By continuing you agree to the Terms and acknowledge the Privacy Policy.

Free requests are written in the order they come in, so it can take a while. Pay $25 and yours is ready within a few hours. Either way you get a shareable link and a PDF.

  • No subscription
  • Free, or $25 to skip the line
  • Money-back guarantee

14-day money-back guarantee: not happy for any reason, email us within 14 days and we refund in full.

Get the full playbook · $25