Mwalimu DT Sacco reports strong 2025 growth as assets hit Ksh 76Billion

Mwalimu National Deposit Taking Savings and Credit Co-operative Organization (DT SACCO), Kenya’s largest SACCO by assets, has reported strong financial growth for the year ended 31 December 2025, with surplus rising significantly as the cooperative expanded its asset base, loan portfolio, and member deposits.

The SACCO posted a 76.3% increase in surplus to Ksh 1.27 billion in 2025, up from Ksh 718 million in 2024, reflecting improved earnings and operational growth during the year.

Total assets grew from Ksh 68 billion in 2024 to Ksh 76 billion in 2025, highlighting continued expansion and stronger financial capacity.

Loans and advances to members and customers increased from Ksh 47 billion in 2024 to Ksh 56 billion in 2025, representing 19.3% growth. The expansion of the loan book remains a key driver of income for the SACCO.

Net interest income a major earnings indicator for deposit taking SACCOs, rose to Ksh 3.53 billion in 2025 from Ksh 3.18 billion in 2024, representing 11% growth. Interest income mainly from loans issued to members reached Ksh 8.76 billion during the year.

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Member deposits, which provide the primary source of funds for lending, rose from Ksh 52.2 billion in 2024 to Ksh 56.5 billion in 2025, marking an 8.3% increase.

Total equity also improved, growing from Ksh 10.0 billion in 2024 to Ksh 11.4 billion in 2025, a 13.7% increase that further strengthened the SACCO’s capital position.

Despite the strong financial performance, the SACCO maintained its dividend rate at 13%, unchanged from 2024, while interest paid on member deposits slightly increased to 10.05% in 2025 from 10.00% in 2024, continuing to offer stable returns to members.

By Obegi Malack

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