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Overview / Commentary
443 Franklin Ave
Hartford, CT 06114

Cencap Federal Credit Union is headquartered in HARTFORD and is the 27th largest credit union in the state of Connecticut. It is also the 2,173rd largest credit union in the nation. It was established in 1950 and as of December of 2016, it had grown to 27 employees and 8,925 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.
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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 relatively low asset base.

Health Grade Components

NCUA #6733
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD2.08%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$57.3MM$52.6MM
LoansQ4 2016vs Q4 2015$40.2MM$37.0MM
DepositsQ4 2016vs Q4 2015$51.8MM$47.3MM
Equity CapitalQ4 2016vs Q4 2015$5.4MM$5.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$512.00K$551.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.0MM$1.0MM
Real Estate OwnedQ4 2016vs Q4 2015$99.00K$0

Rates for Cencap Federal Credit Union are currently being reviewed.


Cencap Federal Credit Union Locations
Branch Office443 FRANKLIN AVeHARTFORD, CT 06114
Branch Office525 MAIN STHARTFORD, CT 06103
Corporate Office77 Hartland StEast Hartford, CT 06108
Corporate Office432 FRANKLIN AVEHARTFORD, CT 06114