SASRA report: SACCO total assets hit Ksh 1.21 Trillion mark

Sacco Societies Regulatory Authority (SASRA) has released the Quarterly Statistical and Soundness Report for the period October to December 2025, providing a comprehensive overview of the performance, growth and financial stability of Regulated SACCOs in Kenya

The report indicated that by December 2025, total assets of regulated SACCOs had grown to Ksh 1.21 trillion, up from Ksh 1.08 trillion recorded in December 2024.

According to the report the Deposit-Taking SACCO (DT-SACCO) segment continued to dominate the industry, accounting for Ksh 1.07 trillion of the total assets, compared to Ksh 949.77 billion in December 2024. The Non-Withdrawable Deposit-Taking SACCO (NWDT-SACCO) segment also registered growth, with assets rising to Ksh 140.49 billion from Ksh 131.10 billion over the same period. On a year-on-year basis, total industry assets expanded by 11.91 percent in December 2025, reflecting sustained balance sheet growth.

The growth momentum was equally evident in lending activity. Gross loans across the industry increased to Ksh 948.31 billion in December 2025, compared to Ksh 842.80 billion in December 2024, representing a 12.52 percent annual increase. DT-SACCOs accounted for Ksh 840.67 billion of the gross loans portfolio, up from Ksh 742.38 billion the previous year. NWDT-SACCOs recorded growth in their loan book to Ksh 107.64 billion, compared to Ksh 100.43 billion in December 2024. The expansion in credit underscores continued member demand for financing and the sector’s strong intermediation role.

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Deposits also registered steady growth, reinforcing liquidity and funding stability within the industry. Total deposits rose to Ksh 831.91 billion in December 2025, up from Ksh 750.63 billion in December 2024, marking a year-on-year growth of 10.83 percent. DT-SACCO deposits increased significantly to KSh 727.05 billion from Ksh 651.83 billion, while NWDT-SACCO deposits grew moderately to Ksh 104.86 billion from Ksh 98.80 billion. The consistent rise in member deposits reflects sustained confidence in regulated SACCO institutions.

Income performance strengthened during the year, with total industry income reaching Ksh 172.44 billion in December 2025, compared to Ksh 154.31 billion in December 2024, translating to an 11.75 percent growth.

DT-SACCOs generated Ksh 156.04 billion in income, up from Ksh 139.06 billion the previous year. NWDT-SACCO income rose to Ksh 16.41 billion from Ksh 15.25 billion. The upward trend in income highlights improved revenue generation capacity across the sector.

Capital and reserves continued to build up, enhancing institutional resilience. Total reserves for the industry stood at Ksh 251.80 billion in December 2025, compared to Ksh 218.90 billion in December 2024, representing a 15.03 percent annual increase. DT-SACCO reserves grew to Ksh 228.19 billion, while NWDT-SACCO reserves rose to Ksh 23.60 billion. The steady accumulation of reserves signals strengthening capital buffers and improved long-term sustainability.

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Quarterly comparisons throughout 2024 and 2025 show a consistent upward trajectory in assets, loans, deposits, income, and reserves, particularly within the DT-SACCO segment, which remains the dominant contributor to industry performance. Although the NWDT-SACCO segment experienced mixed growth patterns in early 2025, it closed the year on a positive trend across most key indicators.

SASRA notes that the figures presented are based on periodic statutory reports and returns submitted to the Authority. The Financial Soundness Indicators may change following the auditing of financial statements for the period ended December 2025, as well as after supervisory adjustments and stress testing.

Overall, the Quarter Four 2025 report portrays a regulated SACCO industry that is expanding steadily, strengthening its capital base, deepening financial intermediation, and maintaining positive income growth. The sector entered 2026 with enhanced scale, stronger reserves, and sustained member confidence.

By Obegi Malack

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