2. Cencap Federal Credit Union

Cencap Federal Credit Union


Overview / Commentary
www.cencap.com
860-722-8110
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 31st largest credit union in the state of Connecticut. It is also the 2,363rd largest credit union in the nation. It was established in 1950 and as of December of 2018, it had grown to 26 employees and 10,118 members at 4 locations. Cencap Federal Credit Union's money market rates are 2X the national average, but it 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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Health
C-

Data as of Q4 2018

Learn why bank health matters
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #6733
Year Chartered1950
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-2.07%
Return on Equity - YTD-30.96%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$47.8MM$50.7MM
LoansQ4 2018vs Q4 2017$36.7MM$37.8MM
DepositsQ4 2018vs Q4 2017$44.1MM$46.2MM
Equity CapitalQ4 2018vs Q4 2017$3.2MM$4.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.1MM$791.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.2MM$1.3MM
Real Estate OwnedQ4 2018vs Q4 2017$56.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cencap Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%--Health Savings Account
0.75%--IRA Savings
0.20%--Regular Share
0.20%$50-Club Account

Cencap Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-Share Money Market
OTHER TIERS: 0.45% → $2.5k - $20k | 0.50% → $20k - $50k | 0.55% → $50k - $100k

Cencap Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-4 Year Share Certificate
1.25%$25-12 Month Save to Win Share Certificate
1.00%$1k-3 Year Share Certificate
0.75%$1k-14 Month Share Certificate
0.75%$1k-2 Year Share Certificate
0.75%$1k-18 Month Share Certificate
0.55%$1k-1 Year Share Certificate
0.45%$1k-9 Month Share Certificate
0.35%$1k-6 Month Share Certificate
0.20%$1k-3 Month Share Certificate

Cencap Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-4 Year IRA Certificate
1.00%$1k-3 Year IRA Certificate
0.75%$1k-14 Month IRA Certificate
0.75%$1k-2 Year IRA Certificate
0.75%$1k-18 Month IRA Certificate
0.55%$1k-1 Year IRA Certificate
0.45%$1k-9 Month IRA Certificate
0.35%$1k-6 Month IRA Certificate
0.20%$1k-3 Month IRA Certificate
Locations


Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Branch Office521 MAIN STHARTFORD, CT 06103
Corporate Office77 Hartland StEast Hartford, CT 06108
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114

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