CENCAP Credit Union Profile

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CENCAP

Charter #6733 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (860) 722-8110

Fax: (860) 296-8981

Founding Date: N/A

Website: http://WWW.CENCAP.COM

Personnel & Operations

President: Kennedy, Jr., Ken

Manager: Festini, Al

FT Employees: 17

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 2

Hours: MONDAY, WEDNESDAY, FRIDAY, TUESDAY 8:00 AM

Credit Union Profile Summary

CENCAP is a FCU Credit Union. With a total of 8,423 members [1], this institution manages approximately $36,805,980 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 3.72% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -12.90% [1].

Financial Snapshot

Total Assets [1]
$36,805,980

Total economic resources.

Total Loans [1]
$23,387,729

Total value of outstanding loans.

Total Deposits [1]
$35,386,033

Total funds deposited by members.

Members [1]
8,423

Number of active members.

Performance Ratios

Net Worth Ratio [1]
3.72%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-3.09%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
66.09%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -8.33%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -12.90%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.86%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

443 FRANKLIN AVE

HARTFORD, CT, 06114
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by CENCAP (Charter #6733).

Main Office

443 FRANKLIN AVENUE Main Office

Type: Corporate Office

443 FRANKLIN AVE

Hartford, CT 06114

Phone: (860) 722-8110

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Hartford

432-434 FRANKLIN AVENUE

Type: Corporate Office

432 FRANKLIN AVE

Hartford, CT 06114

Phone: (860) 722-8110

Services: Member Services

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HIGH ST

Type: Branch Office

215 HIGH ST

Hartford, CT 06103-1007

Phone: (860) 722-8110

Services: Member Services, ATM

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TERRY SQUARE

Type: Branch Office

2775 MAIN ST

Hartford, CT 06120-1903

Phone: (860) 722-8110

Services: Member Services, ATM, Drive-Thru

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