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intrepidcu.org website review

Visit site (opens in a new tab)Reviewed 24 October 202639 issues · 79 checks

This review found 39 issues worth fixing on intrepidcu.org, 16 of them high impact, across 79 checks. The most urgent: use efficient cache lifetimes. 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
2.1 s1.8 sMay 2Oct 171.9 s
Show as table
DateReal-visitor load time (LCP)
May 2, 20262.0 s
May 9, 20261.9 s
May 16, 20261.9 s
May 23, 20261.9 s
May 30, 20261.9 s
Jun 6, 20262.0 s
Jun 13, 20262.0 s
Jun 20, 20262.0 s
Jun 27, 20262.0 s
Jul 4, 20262.0 s
Jul 11, 20261.9 s
Jul 18, 20261.9 s
Jul 25, 20261.9 s
Aug 1, 20261.9 s
Aug 8, 20261.9 s
Aug 15, 20261.9 s
Aug 22, 20261.9 s
Aug 29, 20261.9 s
Sep 5, 20261.9 s
Sep 12, 20261.9 s
Sep 19, 20262.0 s
Sep 26, 20262.0 s
Oct 3, 20262.0 s
Oct 10, 20261.9 s
Oct 17, 20261.9 s
Real-visitor tap response (INP)75th percentile, phones
114 ms98 msMay 2Oct 17110 ms
Show as table
DateReal-visitor tap response (INP)
May 2, 2026107 ms
May 9, 2026106 ms
May 16, 2026106 ms
May 23, 2026106 ms
May 30, 2026106 ms
Jun 6, 2026111 ms
Jun 13, 2026111 ms
Jun 20, 2026107 ms
Jun 27, 2026105 ms
Jul 4, 2026104 ms
Jul 11, 2026103 ms
Jul 18, 2026103 ms
Jul 25, 2026103 ms
Aug 1, 2026102 ms
Aug 8, 2026103 ms
Aug 15, 2026102 ms
Aug 22, 2026102 ms
Aug 29, 2026100 ms
Sep 5, 2026100 ms
Sep 12, 2026102 ms
Sep 19, 2026104 ms
Sep 26, 2026107 ms
Oct 3, 2026108 ms
Oct 10, 2026112 ms
Oct 17, 2026110 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 intrepidcu.org (desktop) rendered by Google PageSpeed Insights

How it loaded on a phone

  1. intrepidcu.org at 0.4 s0.4 s
  2. intrepidcu.org at 0.8 s0.8 s
  3. intrepidcu.org at 1.1 s1.1 s
  4. intrepidcu.org at 1.5 s1.5 s
  5. intrepidcu.org at 1.9 s1.9 s
  6. intrepidcu.org at 2.3 s2.3 s
  7. intrepidcu.org at 2.6 s2.6 s
  8. intrepidcu.org at 3.0 s3.0 s

Speed

12 to fix38
  • Use efficient cache lifetimes

    9.1 s · 3.7 MB

    58 files are served with short cache lifetimes, so returning visitors download them again (3.7 MB).

  • Reduce unused JavaScript

    5.3 s · 1,002 KiB

    About 1,002 KiB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 5.3 s faster on a phone.

  • Render-blocking requests

    4.3 s

    9 files block the first paint until they finish downloading. Deferring or inlining them could save about 4.3 s.

  • Mobile performance score: 38

    38/100

    Your mobile performance score is 38 (desktop: 75). Under 50 is Google's “poor” band: many phone visitors leave before the page is usable.

  • 8 third-party services on the page

    8 third-party services load with your homepage (audioeye.com, Google Tag Manager and salemove.com and others), adding 2.0 MB and 1.8 s of main-thread time.

  • Improve image delivery

    300 ms · 1.2 MB

    8 images could be 1.2 MB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen. Google estimates it would make the page about 300 ms faster on a phone.

  • Reduce unused CSS

    750 ms · 136 KiB

    About 136 KiB of CSS is downloaded but never applied on this page. Google estimates it would make the page about 750 ms faster on a phone.

  • audioeye.com adds 772 ms

    772 ms

    audioeye.com costs a phone 772 ms of main-thread work and 310 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.

  • Google Tag Manager adds 624 ms

    624 ms

    Google Tag Manager costs a phone 624 ms of main-thread work and 1,006 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.

  • Legacy JavaScript

    300 ms · 54 KiB

    Polyfills for old browsers add 54 KiB JavaScript that modern phones do not need. Google estimates it would make the page about 300 ms faster on a phone.

  • Main-thread work: 3.4 s

    A phone's processor spends 3.4 s on main-thread work while loading, 2.2 s of it running JavaScript. Above 2 s, taps and scrolls feel sluggish.

  • salemove.com adds 203 ms

    203 ms

    salemove.com costs a phone 203 ms of main-thread work and 411 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.

  • 15 long tasks on the main thread

    15 long tasks block the main thread while loading, the longest for 204 ms. During a long task the page ignores taps.

  • Font display

    50 ms

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

  • Minify JavaScript

    23 KiB

    23 KiB could be saved by minifying JavaScript.

  • Phones get a much slower page than desktops

    Desktop scores 75 but mobile only 38. A gap that wide usually means heavy scripts and images that hit phones hardest.

  • 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: 2 ms

    2 ms

    Your server sent the HTML in 2 ms, well inside Google's 600 ms guideline.

Core Web Vitals

9 to fix67
  • 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.

  • First Contentful Paint: 12.7 s

    12.7 s

    The first text or image appears after 12.7 s on a phone. Good is under 1.8 s.

  • Largest Contentful Paint: 27.8 s

    27.8 s

    Your largest element takes 27.8 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the element shown below.

  • Time to Interactive: 27.9 s

    27.9 s

    The page becomes fully interactive after 27.9 s. Good is under 3.8 s.

  • Speed Index: 12.7 s

    12.7 s

    Visually, the page fills in at 12.7 s (Speed Index). Good is under 3.4 s.

  • Real-user CLS: 0.22

    0.22

    For real visitors the layout shifts by 0.22 (75th percentile). Good is under 0.1.

  • Cumulative Layout Shift: 0.181

    0.181

    The layout shifts by 0.181 while loading, so content jumps under the reader's thumb. Good is under 0.1.

  • Total Blocking Time: 374 ms

    374 ms

    Scripts block taps and scrolling for 374 ms in total while the page loads. Good is under 200 ms.

  • 11 images without width and height

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

  • Tap response (INP) held steady for real visitors

    +4%

    Over the last 25 four-week periods to 2026-10-17, real Chrome visitors' tap response (inp) went from 107 ms to 110 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).

  • Largest content (LCP) held steady for real visitors

    +1%

    Over the last 25 four-week periods to 2026-10-17, real Chrome visitors' largest content (lcp) went from 2.0 s to 1.9 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).

4 checks passed
  • Real-user LCP: 1.9 s

    1.9 s

    Real visitors wait 1.9 s for the largest content to appear (75th percentile). Good is under 2.5 s.

  • Real-user INP: 113 ms

    113 ms

    Real visitors wait 113 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.

  • Real-user FCP: 1.3 s

    1.3 s

    Real visitors see the first content after 1.3 s (75th percentile). Good is under 1.8 s.

  • Real-user TTFB: 636 ms

    636 ms

    Real visitors wait 636 ms for your server to start answering (75th percentile). Good is under 800 ms.

Images and page weight

2 to fix60
  • Page weight: 7.2 MB in 125 requests

    7.2 MB

    Your homepage downloads 7.2 MB in 125 requests on a phone: images 4.4 MB (38), scripts 2.0 MB (32) and fonts 593 KiB (5). Under 2 MB keeps phones on slow connections fast.

  • 5 images in older formats

    5 images (1.1 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.

  • About 2.1 g of CO₂ per visit

    2.05 g

    By the Sustainable Web Design model, a visit to your homepage emits about 2.05 g of CO₂e: 246.1 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.

2 checks passed
  • Images load when needed

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

  • Images are sized for phones

    No image is downloaded at more than three times the size it is drawn on a phone.

Accessibility

6 to fixGoogle 8490
  • 4 text elements with low contrast

    4 text elements don't have enough contrast against the background to read easily, especially outdoors on a phone.

  • Links must have discernible text (1 element)

    Links must have discernible text: 1 element on the page fails this check, rated serious by axe-core.

  • Interactive controls must not be nested (1 element)

    Interactive controls must not be nested: 1 element on the page fails this check, rated serious by axe-core.

  • 8 images without alt text

    8 images have no alt text, which hurts accessibility and image search.

  • All page content should be contained by landmarks (7 elements)

    All page content should be contained by landmarks: 7 elements on the page fail this check, rated moderate by axe-core.

  • button, link, and menuitem elements do not have accessible names.

    button, link, and menuitem elements do not have accessible names. (1 element).

1 checks passed
  • 45 automated accessibility rules passed

    axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 50 WCAG 2.2 A/AA and best-practice rules on the phone render: 45 passed and 5 failed. 1 more need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.

SEO

4 to fixGoogle 8580
  • No H1 headline

    There is no <h1>, so neither visitors nor Google get a clear main headline.

  • Meta description is long (294 characters)

    Your meta description is 294 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.

  • 2 links with vague text

    2 links use generic text like “click here” or “learn more”, which tells Google nothing about the page behind them.

  • No X (Twitter) card tag

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

  • 103 internal links, 8 external

    The homepage links to 103 pages on intrepidcu.org and 8 external pages.

5 checks passed
  • Title: 51 characters

    Your title is a healthy 51 characters: “Intrepid Credit Union | Personal & Business Finance”.

  • Canonical URL set

    The canonical URL is https://www.intrepidcu.org/.

  • Structured data in place

    Structured data found: BankOrCreditUnion, WebPage and WebSite.

  • robots.txt in place

    robots.txt is in place.

  • XML sitemap found

    Your XML sitemap is reachable at https://www.intrepidcu.org/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 https://www.intrepidcu.org/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

    Your robots.txt lets the crawlers behind ChatGPT search, Claude and Perplexity read the site and cite it in answers.

  • Text is in the HTML

    Your server sends the page's text in the HTML (587 words), so crawlers that don't run JavaScript still read it.

Other pages

100
  • 15 internal pages checked

    We fetched 15 pages linked from your homepage (of 56 found) and read each the way a search engine does.

1 checks passed
  • Linked pages load

    All 15 pages we checked loaded without an error.

Best practices

3 to fixGoogle 9671
  • 1 broken image

    1 image failed to load on a phone, for example https://jelly.mdhv.io/v1/star.gif?pid=rgCKgMi3KaSwGEpq9aUIEjBzP0d9&src=mh&evt=hi.

  • 7 small tap targets

    7 of 17 tappable elements near the top of the page are smaller than 24 px, hard to hit with a thumb.

  • 5 JavaScript errors while loading

    5 errors were logged to the browser console while the page loaded, for example “gtag is not defined”.

1 checks passed
  • Mobile viewport set

    The page declares a mobile viewport.

Content and conversion

1 to fix90
  • Thin social proof

    Social proof on the homepage: 2 trust badges. Pairing it with named testimonials or customer logos makes it far more convincing.

  • Phone number is not tap-to-call

    Your phone number appears as text but isn't a tel: link, so phone visitors can't tap to call.

  • 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 303 words of copy

    The homepage carries about 303 words of visible text.

4 checks passed
  • Clear next step on the first screen

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

  • 10 calls to action

    The homepage has 10 calls to action, for example “Contact Us”, “Fee Schedule” and “Sign Up”.

  • 2 short forms

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

  • Analytics in place

    Analytics detected: Google Tag Manager, Google Analytics and Mixpanel.

Privacy and tracking

1 to fix
  • 5 trackers load before any consent

    5

    Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Mixpanel and The Trade Desk (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.

  • 10 cookies set on arrival

    10

    Opening the homepage sets 10 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.

  • 24 other companies contacted

    Loading the homepage contacts 24 hosts run by other companies (fonts, scripts, analytics, ads), each of which sees the visitor's IP address.

Security, domain, email and software versions

The security, domain and email checks, software and plugin versions, and any app with a known security problem are visible only to people at intrepidcu.org, because details like these could help someone attack a site. Every review keeps them private, whatever they found.

Upkeep, stack and company

Stack

Analytics
Google Analytics | Google Tag Manager | Mixpanel

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

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