NCUA merger report, Q4 2025
Cencap merger into Self-Help Federal Credit Union
NCUA's Merger Activity and Insurance Report for Q4 2025 lists Cencap, of Hartford, CT, as merging into Self-Help Federal Credit Union, of Durham, NC. NCUA records the reason as "poor financial condition". Cencap last filed a call report for Q3 2025, with $33.4M in assets and 7,955 members.
Members of Cencap become members of Self-Help Federal Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | CencapQ3 2025 | Self-Help Federal Credit UnionQ2 2026 |
|---|---|---|
| Assets | $33.4M | $2.4B |
| Members | 7,955 | 146,774 |
| Net worth ratio | 3.75% | 25.18% |
| Offices | – | 45 |
| Paid on deposits | – | 1.57% |
| New auto loan rate | – | 6.75% |
| Fee income per member | – | $25 |
Figures for Cencap are from its call report for Q3 2025; this page carries only its size and capital. Assets for the report quarter: $36.8M merging, $2.3B continuing.
On our member-value score, built only from call-report data, Self-Help Federal Credit Union scores 59.8 out of 100.
Self-Help Federal Credit Union offices near Hartford
From NCUA's branch file for Q2 2026, in Hartford first and then elsewhere in CT. Every Self-Help Federal Credit Union location
Hartford, CT 2
- Hartford-Franklin Ave 443 Franklin Ave, Hartford, CT 06114 Drive-through · ATM
- Hartford-Main St 2775 Main St, Hartford, CT 06120 Drive-through · ATM
Manchester, CT 1
- Manchester 233 Main St, Manchester, CT 06042
North Windham, CT 1
- North Windham 361 Boston Post Road, Rte 6, North Windham, CT 06235
Source: NCUA Merger Activity and Insurance Report, Q4 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · Self-Help Federal Credit Union full figures
Questions people ask
Did Cencap merge?
Yes. NCUA's Merger Activity and Insurance Report for Q4 2025 lists Cencap, of Hartford, CT, as merging into Self-Help Federal Credit Union, of Durham, NC. Its last call report was for Q3 2025.
Why did Cencap merge?
NCUA records the reason as "poor financial condition". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my Cencap account?
Members and their accounts move to Self-Help Federal Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice Self-Help Federal Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. Self-Help Federal Credit Union is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at Self-Help Federal Credit Union before the merger, your balances are now at one credit union.