I spend a lot of time on a lot of credit union websites and—let's not sugarcoat this—most of them are really, really bad (this is true in virtually every industry, to be fair). After working in digital for a quarter century and being part of more than a thousand redesign projects, I can easily categorize the worst examples.
We've been helping credit unions with website ADA compliance for nearly 2 years now and had almost reached a point of assuming the problem had run its course. Apparently not. Considering how quick and easy it is to perform a comprehensive audit, there's no solid excuse for putting it off any longer. You could still be at risk for a lawsuit, some bad PR, or simply being guilty of under-serving certain, protected groups within (and maybe even outside of) your FOM.