The SASRA Annual Report 2025 ranks the leading cooperative savings and credit societies, showing which institutions hold the largest asset bases. This summary highlights the Top SACCOs in Kenya, their 2024–2025 asset movements, and key trends savers, teachers and school managers should know.
Key Takeaways
- Mwalimu National DT remains the largest SACCO, growing assets to KSh 76.31bn in 2025.
- Several SACCOs showed strong loan growth, indicating rising lending activity across the sector.
- SACCOs are grouped into Large, Medium and Small tiers — 56, 57–113 and 114–166 respectively — reflecting scale and risk profile.
- Teacher and occupation-based SACCOs dominate the top ranks, making them especially relevant to educators and public servants.
Top SACCOs in Kenya: the leaders
The SASRA report divides SACCOs into tiers by asset size. The Large Tier (ranks 1–56) includes the most systemic institutions. Highlights from the top ranks for 2025:
- Mwalimu National DT — total assets: KSh 76.31bn (2025). Deposits and loans both rose significantly, underlining its dominant role among teacher SACCOs.
- Stima DT — total assets: KSh 75.27bn (2025). Continued growth driven by deposits and lending to members.
- Kenya National Police DT — total assets: KSh 66.40bn (2025). Strong loan book expansion recorded.
- Harambee DT — total assets: KSh 41.29bn (2025).
- Tower and Unaitas — both among the top six, showing asset increases and rising income.
Other notable names in the top 20 include Imarisha, Afya, United Nations DT, Hazina and Mentor. Asset growth across these SACCOs reflects stronger member saving and increased lending activity in 2025.
Tier breakdown and sector trends
The report groups SACCOs into three tiers:
- Large Tier (Ranks 1–56): Dominated by profession-based and large employer SACCOs. These have the largest deposit bases and loan portfolios.
- Medium Tier (Ranks 57–113): Mid-sized SACCOs with steady growth. Many are regional or industry-specific.
- Small Tier (Ranks 114–166): Smaller, often community or niche SACCOs. These may be more sensitive to local economic swings.
Key sector trends from the 2025 figures:
- Overall asset growth for most top SACCOs from 2024 to 2025.
- Loan portfolios grew faster than deposits in several SACCOs, implying higher member borrowing and active credit delivery.
- Income figures rose for many SACCOs as interest and non-interest income improved, though a few showed reduced income in 2025.
What this means for teachers, parents and students
Many of the largest SACCOs serve teachers and public employees. That makes them a practical option for salary-based saving, affordable credit and member-focused services. Savers should consider a SACCO’s asset size, deposit stability and loan performance when selecting where to save or borrow.
For teachers preparing for career advancement or professional exams, staying financially secure matters. Useful study resources include Diploma in Education past papers for those upgrading qualifications and CBC exam practice materials for educators involved in curriculum delivery. Parents and students can also access KCPE past papers to support revision while managing school fees through reliable SACCO-saving plans.
How to use the ranking when choosing a SACCO
When reviewing SACCO options, pay attention to these practical points:
- Asset size and growth — larger assets often indicate better liquidity and capacity to lend.
- Deposit stability — steady deposits reduce the risk of sudden funding shortfalls.
- Loan performance — a healthy loan-to-asset ratio with controlled defaults is a positive sign.
- Income trends — rising income can indicate efficient operations and ability to invest in member services.
Practical next steps for members
If you are a member or considering joining a SACCO:
- Compare recent assets and income trends for prospective SACCOs in the Large and Medium tiers.
- Ask for recent audited financial statements and member benefit schedules.
- Match SACCO loan products to your needs — emergency loans, school fees loans, mortgages and investment options differ by society.
- Use free learning and revision materials to balance professional development and financial planning: explore CBC lesson plans and other education resources to support family study and career goals.
The SASRA Annual Report 2025 rankings provide a clear snapshot of where member savings are concentrated and which SACCOs are expanding their lending and income. Use the tiered ranking and the practical checks above to make informed decisions about saving, borrowing and long-term planning.
