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Total assets of regulated saccos in Kenya rose to KSh1.21 trillion in 2025 from KSh1.08 trillion in 2024, and membership grew to 7.87 million from 7.39 million, according to the Sacco Supervision Annual Report 2025 cited by Cooperatives Cabinet Secretary Wycliffe Oparanya, Capital FM reported on October 29, 2026.
Sacco assets in Kenya: 2024 vs 2025
| Measure | 2024 | 2025 | Change |
|---|---|---|---|
| Total assets | KSh1.08trn | KSh1.21trn | +12% |
| Members’ deposits | KSh749.43bn | KSh832.74bn | +11.1% |
| Membership | 7.39m | 7.87m | +6.5% |
Percentage changes are our calculations from the reported figures.
Oparanya’s warnings to sacco boards
Speaking at the Stima DT Sacco annual delegates conference in Mombasa, Oparanya said growing savings increase the duty on sacco leaders to protect members’ money. His main points:
- Don’t overpay dividends: boards should balance returns with building reserves, and not pay attractive dividends at the cost of resilience.
- Lend responsibly: assess repayment capacity, monitor loans and avoid repeated restructuring that hides bad loans.
- Invest in secure systems: surpluses should fund technology and cybersecurity.
- Be transparent: in procurement, recruitment, lending and investment, act on audit findings and disclose conflicts of interest.
- Lend for production: more credit to small businesses, agriculture and housing, plus products for youth and women entrepreneurs.
“Public confidence depends on institutions honouring their commitments consistently and addressing weaknesses before members suffer loss or interrupted services,” he said.
Why governance is in focus
The warnings come as the sector deals with the collapse of KUSCCO, the saccos’ umbrella union, which a forensic audit found had about KSh17 billion in liabilities against KSh5.4 billion in assets. Its properties go to auction in November; see our report on the KUSCCO auction dates and venues. Symon Mburia took over this week as acting Commissioner for Co-operative Development after David Obonyo retired.
Stima DT Sacco’s plans
Stima DT Sacco reported assets of about KSh75.27 billion in 2025 and is targeting KSh113.5 billion under its 2025–2029 strategic plan. CEO Gamaliel Hassan said it will focus on efficiency, new revenue streams, risk management and better digital platforms, with products spanning savings, credit, home ownership, investment and retirement.
What members should check in their own sacco
- Is it regulated by SASRA? Deposit-taking saccos must be licensed; check SASRA’s published list.
- Read the audited accounts at the AGM: loan defaults, reserves and how dividends were funded.
- Ask how often loans are restructured.
- Understand loan terms; our sacco loan calculator guide shows how reducing-balance repayments work, and our explainer on sacco loan buy-offs covers switching lenders.
FAQ
How big are saccos in Kenya?
Regulated saccos held KSh1.21 trillion in assets and KSh832.74 billion in deposits in 2025, with 7.87 million members.
Who regulates saccos?
Deposit-taking and large non-deposit-taking saccos are supervised by SASRA; all cooperatives are registered by the Commissioner for Co-operative Development.
Updated October 31, 2026.
Related: Sacco mortgage lending falls 26.75% to KSh7.47bn even as land and housing stay the top loan category
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