Cencap Federal Credit Union

Overview / Commentary
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 40th largest credit union in the state of Connecticut. It is also the 2,697th largest credit union in the nation. It was established in 1950 and as of December of 2023, it had grown to 16 employees and 8,989 members at 4 locations. Cencap Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in Cencap Federal Credit Union is open to those who live, work, attend school or worship in the Hartford, Connecticut area.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cencap Federal Credit Union has a low asset base.

Health Grade Components

NCUA #6733
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD11.28%
Annual Interest Income$2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$38.8MM$41.7MM
LoansQ4 2023vs Q4 2022$28MM$26.7MM
DepositsQ4 2023vs Q4 2022$35.9MM$38.3MM
Equity CapitalQ4 2023vs Q4 2022$2.7MM$3.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$431K$268K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$418K$787K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Cencap Federal Credit Union are currently being reviewed.


Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114
Branch Office2775 MAIN STHARTFORD, CT 06120-1903
Branch Office215 HIGH STHARTFORD, CT 06103-1007

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