# CENCAP
HARTFORD, CT · NCUA charter 6733 · asset band <$50M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cencap-6733

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated, minority depository institution. 7,955 members of 120,000 potential (6.6% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $33.4M |
| Members | 7,955 (-3.9% YoY) |
| Full-time staff | 15 |
| Net worth | $1.3M |
| Net worth ratio | 3.8% (p0 of band) |
| ROA (annualized) | -2.80% (p3 of band) |
| Total delinquency | 2.86% (p85 of band) |
| Net charge-offs (annualized) | 0.21% (p53 of band) |
| Loans / shares | 75% (p70 of band) |
| Cash / assets | 25.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.80% (p93 of band) |
| Operating expense / assets | 12.66% (p99 of band) |
| Vehicles % of loans | 35% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 32% (p92 of band) |
| Vehicle delinquency | 2.64% (p85 of band) |
| Vehicle NCO | 0.86% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 14% |
| Average share balance | $2,285 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $8,710 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 8 | thin capital, losing money, margin squeeze, delinquency rising |  |
| 2017-06 | 6 |  | margin squeeze, delinquency rising |
| 2017-09 | 6 | assets shrinking | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 7 | net worth falling |  |
| 2018-06 | 6 |  | net worth falling |
| 2018-09 | 6 |  |  |
| 2018-12 | 9 | capital below 7%, margin squeeze |  |
| 2019-03 | 9 | net worth falling | margin squeeze |
| 2019-06 | 6 |  | capital below 7%, net worth falling |
| 2019-09 | 7 | loan book shrinking |  |
| 2019-12 | 9 | capital below 7%, net worth falling | loan book shrinking |
| 2020-03 | 8 |  | net worth falling |
| 2020-06 | 6 | margin squeeze | charge-offs p90, losing money, assets shrinking |
| 2020-09 | 6 |  |  |
| 2020-12 | 9 | losing money, charge-offs p90, loan book shrinking |  |
| 2021-03 | 10 | net worth falling |  |
| 2021-06 | 9 |  | net worth falling |
| 2021-09 | 9 | members leaving | loan book shrinking |
| 2021-12 | 9 | assets shrinking | margin squeeze |
| 2022-03 | 7 |  | losing money, charge-offs p90 |
| 2022-06 | 7 |  |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 5 |  | capital below 7% |
| 2023-03 | 6 | losing money |  |
| 2023-06 | 6 | charge-offs p90 | losing money |
| 2023-09 | 6 |  |  |
| 2023-12 | 5 |  | members leaving |
| 2024-03 | 5 | losing money, members leaving | assets shrinking, charge-offs p90 |
| 2024-06 | 6 | margin squeeze |  |
| 2024-09 | 6 | delinquency rising | margin squeeze |
| 2024-12 | 9 | capital below 7%, loan book shrinking |  |
| 2025-03 | 9 | net worth falling, assets shrinking | members leaving, delinquency rising |
| 2025-06 | 9 |  |  |
| 2025-09 | 8 | members leaving | loan book shrinking, net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-12-16 [Hartford Municipal Credit Union becomes ‘Cencap Federal’ - hartfordbusiness.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSndyVzd0ZmVjdEdJcGdhZG5OQUZUd2hRZ3UtUnEzcXh4cVBxdEVqSjREVUhzWU1sTlE0NGdvelRubEpoNFp4aXRxNk5ydlkzU2JpUmxaeU0tdDhTNXVaTDZQNFVaTlk0NUZpWndJeG0xQ1Z1a1RONzZ5dHRKUXBBUEthejFsN0pCUHpjT3lFejdORHFBamNj?oc=5) · hartfordbusiness.com
- 2022-06-29 [2 in Custody After Bank Robbery in Hartford - NBC Connecticut](https://news.google.com/rss/articles/CBMimwFBVV95cUxQYmppVklGaUxmV290X2hLRnRJQ2k5UDVHU1ByUEZWTUNrcXlWWkR1NXU4MVdJWUJVTXBmbEY5bWdWNHYyZVRCenNlcUNBT0VRYTNSdGIwNFIydk5ER3Q2eF9OUWxHMmxxNk5LbUYxSm8xZzdNT3NIT2txUTdmdVVwc1Z4eE11blVGcld6X0g3QjlrcUo1QndvdWlIMNIBowFBVV95cUxNaGJFZTJmQ2NfUk9BNW9lWmpUNXdQamNtOVlHY3p0Q1RzOGNtUmVkVnVRWFhTcUZURjAtYkx1RWZoamhoMjdlUTJVYkNrR0ZJNXRvTm5rMHNJbTMyUHlTT1NpTEVOZ241eDlIOTVuSUV3XzF4S21FZVl1dlhxTWFFT2NSTWxKRk9oRzRySlRvWUc0SXpiSlZ4TVlxS2lvTXFwenhJ?oc=5) · NBC Connecticut
- 2026-03-24 [Fiserv, Credit Union Settle Payment Data Security Lawsuit - Law360](https://news.google.com/rss/articles/CBMinAFBVV95cUxQR0t3Mlk3bVdHVG9UNW1NcUhOVXhlbDc5V2U5d3Fub0NiS2NqRkQ1Q25ycVNZQVYtLVpMc0Q0WkRwUVVnN1Nydk9CV0J6ZzJRNUZxZFNvWnlzQkRlNmV0Znc2NjJ1YkZObU8yUERUMWJMR3dvR3ZoYXN2NmJhZENLbHF0b0FRQXFja2daLXMwTDc0dTAybTFMdGF2OVDSAVZBVV95cUxQRDhPM01QTTV3YjFzSGJLdFpHTV9qMlQ2cDRjZkIwaldLMXRVek9OWmZFcE9hc3pNN3NiMEwwT0hxb21MZ2RNeVF4UkMwbEMydDZ0bGFqQQ?oc=5) · Law360
- 2023-09-20 [Man who robbed CT credit union armed with .40 caliber ghost gun gets six years in federal prison - Hartford Courant](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPMUxKZ0lVOTU0VDczOFlCdWhXczd1YndpYkpWQjlMcVhBV2h5UHI0QlB1eHlMSWVPMHllTEJwT0dpWUhGWkI1UldHMnJpVVhMalpNS1UyU0dRRC1pSTkxNWJQN0Uya3VCeEhvdE9lV01JOGVWNFdKVkdjbERJYnQwU3JENXQ5bnAwNW9sT0RNQk9DQjEwZDNxN0RXWFlfeEkzb2trQVBYclpuYXBBbFA3dUwyS2Vxd2R1SU0zZXJPZUlZZWFJLVFUa2IxQnZ1bWVISEZTcHUzWjc?oc=5) · Hartford Courant
- 2022-06-29 [2 arrested after Hartford credit union robbery - WTNH.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPbVJDMS11U1NBa0cyZmZBNVRBcTU2VDFVNVdnWnI1bzVMTmpJclRxQV9LQ05Ec3lTU0hPYnlqMmpIUzZSd0VZSGU5cWVhRXM4Mng2ODdZdXU4U044WExSWUZaYlVwcE9lVG5TSTMxTEh6QkFUN1ZidldGd1lKSVNfX0ktS25qdTBiWGUxN0taOWU2dWhWODh5MXhJZ3dkeXZw0gGmAUFVX3lxTE53elhibzBUbGVOa21QTUZwVFFQVGZENEFEY0QtNHZRT3hjLTBzaUFiMk1UQkhIaThsc3JaQVJaUWwzYmNrQXZGc0d5eFZtbG8wSEJ0VzV5ZW1pUXdkdFc2SUxyRk1wd05MQnAyRm9NSFhqV0ZTVzJ0RlFIdTNKUldvOVRlVF9JbDU3VmxrQWp3NmNSSWk5V0t2c0xIbTBoRGhZQmlQMHc?oc=5) · WTNH.com
- 2023-09-19 [Hartford man sentenced to six years in prison for robbing credit union, feds say - ctinsider.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQUmxRSXpyVnAwZHM5WXVROV95amI2dl9wYXlDSUhnYk9nQU9FUk92eEYyLXNHbUtGWjJJVnVIS0FBZUY0VGVoRVppVmlhUlpPU0RBdVRzMFN6cmtSeVhpS2hfektnYWtBdnF0azcyM3NMME5jTGExR0hZOV8wREh2UkY5LWVwenBja1p4RjRxVHNiNnJvcVpIbEl1V0pOV18wS3VkdGRYcw?oc=5) · ctinsider.com
- 2017-06-22 [Two CUs focus on lending talent, plus new hires, promotions and honors - americanbanker.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOUEZHLVU3RjdGc2lhRkJhRzRqbEM0V1duRmxXaW84UnAzdDNNdkxVTjBhSnhtLUl2YTVGS0lYTzBPTjRWTXU5OFhlY3BnNGtfZnVNZkYzaXBzMGU5QUkyamdlNkpVbzU2QU9KWW9KZVlNNVEyQlVneU9zbWlVdzRqajdvLTNBM2ozcnlxWEJLM0VjNzhUUzdXMzBlMFI0Y1hYSjBJWVNMNEFrS1Q3MXhUNG01QldySGtf?oc=5) · americanbanker.com
- 2022-06-29 [Police: Arrests made after Hartford bank robbery - wfsb.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbDVqYzZWZUhVU3ZvSzVBblljLUh2ZG5PZXdCa3N4Qm5zUzhkQkdna2djWkhKRnJIaTdzbW9DeVYxdWItbG1EZjBxNHZMd2pRc1ZmQ0drQTJWdXNjLUpDcEJiY1BuaUdmUmRMZlU3Y0tMdHJweHhGeThtUEZoMkwwTjZYMDRzQdIBmgFBVV95cUxPeUQ0SFVmSlREZUl2Ni1wdUw2NkJYYWlIb1dnNndlQkFOZmRzQ2U1R18wOTNxNjZ1WTNES3ZvbkVld3dxSFV2SUNISjhtUnZDREZ3ZGVBc09PVTZpVFl1d2dORG5fakE0SldfVjEwZGpWWHdpTGNXU2I5bXhTdEVSc2JXS2szZHNyRDFTa2FZVXF1LWhfeDNXS3lR?oc=5) · wfsb.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6733 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "6733", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6733
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide