- Sacco sector assets rise to Ksh1.25 trillion
- Deposits and loans continue to expand
- Stronger reserves boost the sector’s capital base
Kenya’s regulated Saccos closed the second quarter of 2026 with total assets of Ksh1.25 trillion, a 12.64% rise from June 2025, according to the latest report by the SACCO Societies Regulatory Authority (SASRA).
The growth, detailed in SASRA’s Quarterly Statistical and Soundness Report for the period ending June 2026, reflects a sector still expanding steadily across deposits, loans, income and reserves, even as the two Sacco categories it regulates showed differing pace.
Assets climb across both Sacco segments
Deposit-taking Saccos (DT-Saccos) remain the dominant force in the industry, holding Ksh1.11 trillion in total assets as at June 2026, up 12.95% from Ksh978.80 billion a year earlier. Non-withdrawable deposit-taking Saccos (NWDT-Saccos), a smaller segment, posted assets of Ksh143.57 billion, a 10.26% increase from Ksh130.21 billion in June 2025.
Between March and June 2026 alone, combined sector assets rose from Ksh1.21 trillion to Ksh1.25 trillion, continuing a steady upward trend that has held since March 2025.
Loan books expand at a slower pace
Gross loans across the sector reached Ksh971.59 billion by June 2026, a 10.21% year-on-year increase from Ksh881.62 billion. DT-Saccos accounted for the bulk of this, with gross loans rising to Ksh862.94 billion from Ksh779.84 billion, a 10.66% increase. NWDT-Saccos recorded gross loans of Ksh108.65 billion, up 6.74% from Ksh101.78 billion the previous year.
READ ALSO:
Notably, loan growth trailed asset growth in both segments, suggesting Saccos may be channelling a larger share of new resources into other assets alongside lending.
Deposits grow steadily, underpinning stability
Member deposits, the core funding base for Saccos, rose to Ksh884.83 billion in June 2026 from Ksh795.78 billion a year earlier, an 11.19% increase. DT-Saccos held Ksh774.83 billion in deposits, up 11.44% from Ksh695.29 billion, while NWDT-Saccos recorded Ksh110.00 billion, a 9.47% rise from Ksh100.49 billion.
Consistent deposit growth across both quarters points to sustained member confidence in the sector, even as global and domestic economic pressures persist.
Income growth strongest among DT-Saccos
Total income for the sector stood at Ksh97.81 billion for the period ending June 2026, a 20.78% increase over the Ksh80.98 billion recorded in June 2025. DT-Saccos drove much of this growth, with income rising 22.23% year-on-year to Ksh89.05 billion.
NWDT-Saccos, by contrast, recorded a more uneven trajectory. Their income dropped 6.47% in the March 2026 period compared with the previous year, before recovering to post a 7.82% year-on-year increase by June, reaching Ksh8.76 billion.
Reserves strengthen sector’s capital buffer
Core capital and reserves across the sector rose to Ksh262.90 billion in June 2026, a 16.23% increase from Ksh226.20 billion a year earlier. DT-Saccos held Ksh239.33 billion in reserves, up 16.34%, while NWDT-Saccos posted Ksh23.58 billion, a stronger 15.04% increase from Ksh20.50 billion, having grown just 1.29% in the March-on-March comparison.
Rebuilding reserves between March and June suggests these smaller institutions may be catching up after a slower start to the year.
A sector holding steady
Taken together, the figures point to a Sacco sector expanding on nearly every front, assets, deposits, loans, income and reserves, all posting double-digit annual growth in most categories. DT-Saccos continue to anchor the industry’s scale, while NWDT-Saccos, though smaller, are showing pockets of accelerated growth, particularly in deposits and reserves during the second quarter.
SASRA notes that all figures are drawn from periodic statutory returns and may be subject to revision once audited financial statements are finalised.
By Benedict Aoya
Get more stories from our website: Sacco Review.
For comments and clarifications, write to: Saccoreview@
Kindly follow us via our social media pages on Facebook: Sacco Review Newspaper for timely updates
Stay ahead of the pack! Grab the latest Sacco Review newspaper!
