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vcu.com website review
Visit site (opens in a new tab)Reviewed 4 November 202639 issues · 114 checks
This review found 39 issues worth fixing on vcu.com, 13 of them high impact, across 114 checks. The most urgent: render-blocking requests. Your full playbook turns these into prioritised fixes alongside reviews, competitors and channels.
- Homepage
- Phone render
- Links and pages
- Google PageSpeed
Google PageSpeed Insights (opens in a new tab), mobile
Site score
79CClosest competitors among SaaS websites
Compare side by sideShow as table
| Date | Real-visitor load time (LCP) |
|---|---|
| May 16, 2026 | 1.6 s |
| May 23, 2026 | 1.6 s |
| May 30, 2026 | 1.6 s |
| Jun 6, 2026 | 1.6 s |
| Jun 13, 2026 | 1.7 s |
| Jun 20, 2026 | 1.8 s |
| Jun 27, 2026 | 1.8 s |
| Jul 4, 2026 | 1.9 s |
| Jul 11, 2026 | 1.9 s |
| Jul 18, 2026 | 1.8 s |
| Jul 25, 2026 | 1.8 s |
| Aug 1, 2026 | 1.7 s |
| Aug 8, 2026 | 1.7 s |
| Aug 15, 2026 | 1.7 s |
| Aug 22, 2026 | 1.7 s |
| Aug 29, 2026 | 1.7 s |
| Sep 5, 2026 | 1.7 s |
| Sep 12, 2026 | 1.7 s |
| Sep 19, 2026 | 1.7 s |
| Sep 26, 2026 | 1.7 s |
| Oct 3, 2026 | 1.7 s |
| Oct 10, 2026 | 1.7 s |
| Oct 17, 2026 | 1.7 s |
| Oct 24, 2026 | 1.7 s |
| Oct 31, 2026 | 1.7 s |
Show as table
| Date | Real-visitor tap response (INP) |
|---|---|
| May 16, 2026 | 188 ms |
| May 23, 2026 | 194 ms |
| May 30, 2026 | 200 ms |
| Jun 6, 2026 | 202 ms |
| Jun 13, 2026 | 204 ms |
| Jun 20, 2026 | 209 ms |
| Jun 27, 2026 | 210 ms |
| Jul 4, 2026 | 217 ms |
| Jul 11, 2026 | 218 ms |
| Jul 18, 2026 | 217 ms |
| Jul 25, 2026 | 220 ms |
| Aug 1, 2026 | 221 ms |
| Aug 8, 2026 | 223 ms |
| Aug 15, 2026 | 223 ms |
| Aug 22, 2026 | 222 ms |
| Aug 29, 2026 | 222 ms |
| Sep 5, 2026 | 227 ms |
| Sep 12, 2026 | 227 ms |
| Sep 19, 2026 | 228 ms |
| Sep 26, 2026 | 229 ms |
| Oct 3, 2026 | 229 ms |
| Oct 10, 2026 | 235 ms |
| Oct 17, 2026 | 236 ms |
| Oct 24, 2026 | 235 ms |
| Oct 31, 2026 | 236 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
Speed
Render-blocking requests
1.1 s3 files block the first paint until they finish downloading. Deferring or inlining them could save about 1.1 s.
Mobile performance score: 38
38/100Your mobile performance score is 38. Under 50 is Google's “poor” band: many phone visitors leave before the page is usable.
Main-thread work: 6.2 s
A phone's processor spends 6.2 s on main-thread work while loading, 3.4 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 CDN, Google Tag Manager and five9.net and others), adding 2.8 MB and 2.3 s of main-thread time.
Reduce unused JavaScript
450 ms · 1.2 MBAbout 1.2 MB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 450 ms faster on a phone.
Use efficient cache lifetimes
350 ms · 1.1 MB51 files are served with short cache lifetimes, so returning visitors download them again (1.1 MB).
Google CDN adds 777 ms
777 msGoogle CDN costs a phone 777 ms of main-thread work and 1.1 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.
Google Tag Manager adds 752 ms
752 msGoogle Tag Manager costs a phone 752 ms of main-thread work and 547 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.
Improve image delivery
350 ms · 151 KiB5 images could be 151 KiB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen. Google estimates it would make the page about 350 ms faster on a phone.
20 long tasks on the main thread
20 long tasks block the main thread while loading, the longest for 387 ms. During a long task the page ignores taps.
five9.net adds 301 ms
301 msfive9.net costs a phone 301 ms of main-thread work and 728 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.
Reduce unused CSS
150 ms · 44 KiBAbout 44 KiB of CSS is downloaded but never applied on this page. Google estimates it would make the page about 150 ms faster on a phone.
Minify JavaScript
150 ms · 19 KiB19 KiB could be saved by minifying JavaScript.
Legacy JavaScript
13 KiBPolyfills for old browsers add 13 KiB JavaScript that modern phones do not need.
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: 161 ms
161 msYour server sent the HTML in 161 ms, well inside Google's 600 ms guideline.
Core Web Vitals
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.
Time to Interactive: 25.3 s
25.3 sThe page becomes fully interactive after 25.3 s. Good is under 3.8 s.
Largest Contentful Paint: 6.7 s
6.7 sYour largest element takes 6.7 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the image “A woman wearing a St. Louis Shirt”.
Total Blocking Time: 1.7 s
1.7 sScripts block taps and scrolling for 1.7 s in total while the page loads. Good is under 200 ms.
First Contentful Paint: 3.5 s
3.5 sThe first text or image appears after 3.5 s on a phone. Good is under 1.8 s.
Speed Index: 6.3 s
6.3 sVisually, the page fills in at 6.3 s (Speed Index). Good is under 3.4 s.
Real-user INP: 245 ms
245 msReal visitors wait 245 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.
Tap response (INP) got 23% slower for real visitors
+23%Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' tap response (inp) went from 188 ms to 236 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).
Real-user TTFB: 966 ms
966 msReal visitors wait 966 ms for your server to start answering (75th percentile). Good is under 800 ms.
1 image without width and height
1 image have no width and height attributes, so the layout jumps as each one loads.
Largest content (LCP) held steady for real visitors
+5%Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' largest content (lcp) went from 1.6 s to 1.7 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).
4 checks passed
Real-user LCP: 1.7 s
1.7 sReal visitors wait 1.7 s for the largest content to appear (75th percentile). Good is under 2.5 s.
Real-user CLS: 0.00
0.00For real visitors the layout shifts by 0.00 (75th percentile). Good is under 0.1.
Real-user FCP: 1.7 s
1.7 sReal visitors see the first content after 1.7 s (75th percentile). Good is under 1.8 s.
Cumulative Layout Shift: 0.002
0.002The layout barely moves while loading (CLS 0.002, good is under 0.1).
Images and page weight
Page weight: 4.5 MB in 118 requests
4.5 MBYour homepage downloads 4.5 MB in 118 requests on a phone: scripts 2.7 MB (37), images 772 KiB (28) and other files 390 KiB (31). Under 2 MB keeps phones on slow connections fast.
3 images in older formats
3 images (292 KiB) 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.
1 image below the first screen load straight away
1 image further down the page (33 KiB) download before anyone scrolls to it. Adding loading="lazy" lets the first screen load first.
About 1.3 g of CO₂ per visit
1.27 gBy the Sustainable Web Design model, a visit to your homepage emits about 1.27 g of CO₂e: 153.0 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.
1 checks passed
Images are sized for phones
No image is downloaded at more than three times the size it is drawn on a phone.
Accessibility
6 text elements with low contrast
6 text elements don't have enough contrast against the background to read easily, especially outdoors on a phone.
Positive tabindex
1 element has a tabindex above 0, which scrambles the keyboard order.
3 images without alt text
3 images have no alt text, which hurts accessibility and image search.
Contentinfo landmark should not be contained in another landmark (1 element)
Contentinfo landmark should not be contained in another landmark: 1 element on the page fails this check, rated moderate by axe-core.
Document should not have more than one contentinfo landmark (1 element)
Document should not have more than one contentinfo landmark: 1 element on the page fails this check, rated moderate by axe-core.
Landmarks should have a unique role or role/label/title (i.e. accessible name) combination (1 element)
Landmarks should have a unique role or role/label/title (i.e. accessible name) combination: 1 element on the page fails this check, rated moderate by axe-core.
2 links without text
2 visible links have no text or label, so screen readers cannot say where they go.
Frames without titles
1 frame has no title, so screen-reader users cannot tell what it contains.
1 form field without a label
1 form field has no label, so screen readers announce an empty box and autofill guesses.
ARIA role should be appropriate for the element (9 elements)
ARIA role should be appropriate for the element: 9 elements on the page fail this check, rated minor by axe-core.
1 checks passed
50 automated accessibility rules passed
axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 56 WCAG 2.2 A/AA and best-practice rules on the phone render: 50 passed and 6 failed. 2 mores need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.
SEO
No XML sitemap
No XML sitemap at https://www.vcu.com/sitemap/sitemap.xml, so Google discovers your pages only by following links.
6 links with vague text
6 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 set, so this is minor.
101 internal links, 9 external
The homepage links to 101 pages on vcu.com and 9 external pages.
7 checks passed
Meta description: 134 characters
Your meta description is 134 characters: “Vantage Credit Union is a full-service, member-owned St. Louis institution offering better rates, lower fees, and outst…”.
One H1 headline
Your main headline reads: “Where St. Louis banks with confidence.”.
Title: 43 characters
Your title is a healthy 43 characters: “St. Louis Banks Here | Vantage Credit Union”.
Canonical URL set
The canonical URL is https://www.vcu.com/.
Structured data in place
Structured data found: Organization.
Open Graph tags complete
Open Graph tags are complete, so shared links show a title, description and image.
robots.txt in place
robots.txt is in place and points crawlers to your sitemap.
AI search readiness
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.
3 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.
Organization data: 4 of 6 facts
Your Organization JSON-LD gives name, url, logo and contact details; sameAs (social profiles) and description would complete it.
Text is in the HTML
Your server sends the page's text in the HTML (1,289 words), so crawlers that don't run JavaScript still read it.
Other pages
1 linked page hidden from search
/new-cdoffer is marked noindex but linked from your homepage. If it is meant to be found, remove the noindex.
1 page without a meta description
/new-cdoffer has no meta description, so Google writes the search snippet from whatever text it finds.
8 pages slow to respond
/locations, /rates, /bank/checking, /bank/savings, /bank/digital-banking and /borrow/vehicle-loans and 2 others took over 3 s to send their HTML from our server.
15 internal pages checked
We fetched 15 pages linked from your homepage (of 42 found) and read each the way a search engine does.
5 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.
Every page has a title
All 15 pages that loaded have a <title>.
Best practices
6 JavaScript errors while loading
6 errors were logged to the browser console while the page loaded, for example “Loading the script 'https://ftlaunchpad.ai/lptm.js?id=e96490' violates the following Content Security Policy directive:…”.
Browser-reported issues
Chrome logged issues while loading the page (“Content security policy”).
2 checks passed
Tap targets are thumb-sized
15 of 15 tappable elements near the top are at least 24 px.
Mobile viewport set
The page declares a mobile viewport.
Security and trust
No clickjacking protection
Neither X-Frame-Options nor a CSP frame-ancestors policy is set, so any site can embed yours in a frame.
Short HSTS lifetime
HSTS is set, but max-age is 30 days; one year is the recommended minimum.
No X-Content-Type-Options
X-Content-Type-Options: nosniff is missing, so browsers may guess file types.
1 link through redirect chains
1 link go through two or more redirects, for example http://www.linkedin.com/company/444757.
No Referrer-Policy
No Referrer-Policy header, so full URLs can leak to the sites you link to.
security.txt has expired
Your security.txt expired on 2026-04-01, so researchers may not trust its contact details.
No Permissions-Policy
No Permissions-Policy header to switch off camera, microphone and location for embedded content.
6 checks passed
Served over HTTPS
The homepage is served over HTTPS (vcu.com).
Valid certificate (66 days left)
The certificate from Let's Encrypt · YR1 verifies for vcu.com and is valid for another 66 days.
Content-Security-Policy set
A Content-Security-Policy is set, the main browser-side defence against injected scripts.
http:// redirects to https
http://vcu.com redirects to the secure version.
HTTP/2
The server speaks HTTP/2, so browsers load many files over one connection.
All 47 links work
All 47 links checked from your homepage (40 internal, 7 external) answered without errors; 5 did not answer within 5 s.
Domain and trust
No CAA record
vcu.com has no CAA record, so any certificate authority may issue a certificate for it. A CAA record naming your provider (for example letsencrypt.org) closes that door.
DNSSEC is off
vcu.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.
2 checks passed
Domain is 27 years old
27 yearsvcu.com was registered in Nov 1998 through Network Solutions, LLC. An established domain carries more trust with email providers and search engines.
Registered until Nov 2030
vcu.com is registered until Nov 2030.
Content and conversion
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 966 words of copy
The homepage carries about 966 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: “Apply for a Loan”.
11 calls to action
The homepage has 11 calls to action, for example “Contact”, “Learn More” and “Apply for a Loan”.
4 short forms
4 short forms (4 fields at most) are right on the homepage, asking for an email.
Social proof on the page
Social proof on the homepage: 5 testimonial or review blocks, a star rating and 2 trust badges.
Analytics in place
Analytics detected: Google Tag Manager.
Direct contact links
Visitors can reach you directly: 0 phone links and 1 email link.
Phone number on the homepage
Your phone number is on the homepage.
Email authentication
Email authentication score: 95/100
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 in place (~all)
An SPF record lists your sending servers and marks other mail as suspicious (~all): “v=spf1 ip4:198.41.47.0/24 ip4:208.252.57.192/27 ip4:63.117.120.96/27 ip4:69.38.149.224/27 ip4:149.72.245.71 ip4:159.183…”.
DKIM signing found
A DKIM key is published (selector “selector1”, “selector2” and “s1”), so receivers can verify mail really came from you.
Privacy and tracking
5 trackers load before any consent
5Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Meta Pixel 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.
19 cookies set on arrival
19Opening the homepage sets 19 cookies (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.
27 other companies contacted
Loading the homepage contacts 27 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
- Analytics
- Google Tag Manager
- Hosting
- Azure
Upkeep, stack, hiring and company data from programmable.info
Go beyond the website
What your $25 Growth Playbook adds
This review found 39 issues on vcu.com, including 21 speed issues, 2 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
14-day money-back guarantee: not happy for any reason, email us within 14 days and we refund in full.