Compare

Side by side, in the same units

Kenya's SACCOs, microfinance banks and banks compared on the regulators' own figures. Every table names its source; nothing is scored or ranked as better or worse.

Deposit-taking SACCOs

SASRA Supervision Annual Report 2025, p. 17031 Dec 2025

By SASRA's size tier, largest first by total assets. Deposits are left out: SASRA's 2025 report repeats total assets in the deposits column for most medium and small SACCOs.

large (56)

Name	Total assets	Growth	Gross loans	Bad loans (NPL ratio)	Core capital to assets
Mwalimu National Sacco	KES 76.31 bn	+10.8%	KES 56.98 bn	2.42%	13.96%
Stima DT Sacco	KES 75.27 bn	+13.2%	KES 57.49 bn	6.48%	20.19%
Kenya National Police DT Sacco	KES 66.40 bn	+11.0%	KES 57.23 bn	2.33%	35.67%
Harambee DT Sacco	KES 41.29 bn	+6.7%	KES 35.25 bn	5.25%	15.11%
Tower Sacco	KES 34.56 bn	+23.3%	KES 26.36 bn	4.13%	14.61%
Unaitas Sacco	KES 29.60 bn	+13.3%	KES 22.61 bn	8.70%	34.74%
Imarisha Sacco	KES 28.14 bn	+14.5%	KES 23.60 bn	1.53%	17.49%
Afya Sacco	KES 21.95 bn	−3.7%	KES 10.92 bn	7.83%	13.63%
United Nations DT Sacco	KES 19.67 bn	+2.7%	KES 14.20 bn	4.06%	16.26%
Hazina Sacco	KES 18.71 bn	+10.9%	KES 13.23 bn	2.00%	16.15%
Mentor Sacco	KES 18.47 bn	+17.3%	KES 14.09 bn	3.75%	14.60%
Gusii Mwalimu Sacco	KES 18.40 bn	+13.3%	KES 16.98 bn	8.18%	19.79%
Trans Nation Sacco	KES 17.95 bn	+25.2%	KES 16.48 bn	2.90%	21.10%
Winas Sacco	KES 16.90 bn	+17.0%	KES 15.01 bn	1.61%	42.22%
Apstar DT Sacco	KES 16.76 bn	+6.9%	KES 13.64 bn	4.93%	15.42%
Invest & Grow (IG) Sacco	KES 16.40 bn	+12.0%	KES 14.60 bn	3.91%	32.94%
Imarika Sacco	KES 16.14 bn	+10.8%	KES 13.97 bn	5.22%	25.90%
Bandari Sacco	KES 15.07 bn	+10.0%	KES 10.13 bn	5.14%	23.81%
Qona Sacco	KES 14.80 bn	+14.3%	KES 12.10 bn	2.68%	15.72%
Boresha Sacco	KES 14.70 bn	+12.8%	KES 11.77 bn	14.38%	17.10%
Defence Sacco	KES 14.54 bn	+57.7%	KES 11.68 bn	1.87%	20.44%
Ollin Sacco	KES 13.80 bn	+18.3%	KES 10.90 bn	4.86%	17.87%
Univision Sacco	KES 13.59 bn	+17.7%	KES 12.51 bn	2.64%	20.57%
Cosmopolitan Sacco	KES 13.58 bn	+16.3%	KES 10.79 bn	6.12%	15.26%
New Fortis Sacco	KES 13.07 bn	+10.4%	KES 10.56 bn	0.48%	13.48%
Kimisitu Sacco	KES 12.89 bn	+6.9%	KES 11.20 bn	13.80%	18.95%
Mhasibu DT Sacco	KES 12.67 bn	+12.9%	KES 10.43 bn	4.82%	14.39%
Ports DT Sacco	KES 12.39 bn	+17.6%	KES 8.26 bn	2.37%	28.89%
Sheria Sacco	KES 11.56 bn	+13.3%	KES 8.95 bn	2.80%	18.17%
The Kenya Bankers Sacco	KES 10.85 bn	+5.4%	KES 8.25 bn	6.03%	12.56%
Amica Sacco	KES 10.79 bn	+23.6%	KES 8.39 bn	20.51%	13.42%
Unison Sacco	KES 10.55 bn	+16.7%	KES 9.00 bn	2.16%	16.15%
Bingwa Sacco	KES 10.48 bn	+16.7%	KES 7.46 bn	11.53%	36.36%
Solution Sacco	KES 10.03 bn	+1.6%	KES 7.17 bn	3.20%	14.72%
K – Unity Sacco	KES 9.74 bn	+27.7%	KES 6.08 bn	9.78%	22.58%
Fortune Sacco	KES 9.60 bn	+21.1%	KES 8.81 bn	17.70%	23.75%
Yetu Sacco	KES 9.38 bn	+19.3%	KES 6.75 bn	11.15%	26.07%
Magereza Sacco	KES 8.95 bn	+8.6%	KES 5.54 bn	1.62%	13.69%
Njiwa Sacco Sacco	KES 8.86 bn	+10.7%	KES 6.84 bn	0.29%	13.15%
Ushuru Sacco	KES 8.66 bn	+12.0%	KES 6.03 bn	0.40%	12.42%
Waumini Sacco	KES 7.97 bn	+7.7%	KES 6.76 bn	9.18%	16.75%
Tembo Sacco	KES 7.77 bn	+24.5%	KES 4.85 bn	1.60%	14.04%
GDC Sacco	KES 7.32 bn	+24.9%	KES 6.33 bn	12.82%	18.80%
Kwetu DT Sacco	KES 6.96 bn	+22.3%	KES 4.20 bn	2.73%	22.24%
Tai Sacco	KES 6.95 bn	+18.4%	KES 6.01 bn	10.37%	22.15%
Maisha Bora Sacco	KES 6.81 bn	+9.3%	KES 4.75 bn	4.74%	22.12%
Chai Sacco	KES 6.49 bn	+11.7%	KES 5.37 bn	1.56%	19.79%
Jamii Sacco	KES 6.26 bn	+5.7%	KES 4.17 bn	19.19%	17.47%
Capital Sacco	KES 6.12 bn	+11.9%	KES 4.70 bn	28.26%	14.13%
Ndege Chai Sacco	KES 5.90 bn	+12.2%	KES 4.46 bn	2.84%	17.28%
Shirika DT Sacco	KES 5.83 bn	+7.0%	KES 4.86 bn	0.61%	15.42%
Taifa Sacco	KES 5.78 bn	+8.6%	KES 2.58 bn	9.74%	22.39%
Kenya Highlands Sacco	KES 5.75 bn	+5.5%	KES 4.31 bn	26.44%	23.66%
Nyati Sacco	KES 5.70 bn	+7.5%	KES 4.12 bn	6.90%	33.30%
Kenpipe Sacco	KES 5.61 bn	+11.1%	KES 4.52 bn	3.04%	22.54%
Nacico Sacco	KES 5.04 bn	−18.2%	KES 3.41 bn	18.47%	10.98%

medium (57)

Name	Total assets	Growth	Gross loans	Bad loans (NPL ratio)	Core capital to assets
Ng'arisha Sacco	KES 4.93 bn	+12.6%	KES 4.10 bn	1.17%	29.88%
Nation DT Sacco	KES 4.73 bn	+16.5%	KES 3.80 bn	7.89%	18.49%
Kenversity Sacco	KES 4.70 bn	+14.6%	KES 3.69 bn	4.60%	19.39%
Nawiri Sacco	KES 4.51 bn	+9.5%	KES 2.70 bn	11.26%	35.36%
NSSF Sacco	KES 4.38 bn	+19.7%	KES 3.66 bn	1.50%	18.98%
Skyline DT Sacco	KES 4.36 bn	+18.5%	KES 3.12 bn	8.13%	17.36%
The Noble Sacco	KES 4.21 bn	+7.9%	KES 3.69 bn	0.75%	15.89%
Biashara Sacco	KES 4.20 bn	+13.5%	KES 3.64 bn	15.03%	34.30%
Dimkes DT Sacco	KES 4.16 bn	+24.2%	KES 3.51 bn	6.37%	21.31%
Qwetu Sacco	KES 4.06 bn	+5.7%	KES 3.30 bn	11.18%	14.42%
Mwito Sacco	KES 3.69 bn	+10.8%	KES 2.89 bn	2.64%	17.38%
Asili Sacco	KES 3.47 bn	+6.4%	KES 1.77 bn	0.45%	18.61%
Wanandege Sacco	KES 3.23 bn	+26.7%	KES 2.61 bn	1.78%	20.79%
United Winners Sacco	KES 2.95 bn	+16.1%	KES 2.03 bn	18.61%	15.15%
Ardhi Sacco	KES 2.93 bn	+11.4%	KES 2.41 bn	1.76%	18.27%
Faridi Sacco	KES 2.85 bn	+14.5%	KES 2.53 bn	0.86%	38.73%
Trans – National Times Sacco	KES 2.77 bn	+14.9%	KES 1.18 bn	17.85%	10.06%
Trans Elite County Sacco	KES 2.66 bn	+41.5%	KES 1.40 bn	7.87%	23.94%
Chuna Sacco	KES 2.57 bn	+8.4%	KES 1.78 bn	6.96%	20.28%
Azima Sacco	KES 2.56 bn	+7.1%	KES 1.76 bn	12.03%	34.92%
Ukristo Na Ufanisi DT Sacco	KES 2.52 bn	+14.5%	KES 2.05 bn	13.46%	18.54%
Daima Sacco	KES 2.47 bn	+13.8%	KES 1.60 bn	6.66%	26.67%
Kingdom Sacco	KES 2.44 bn	+13.0%	KES 2.22 bn	15.38%	22.30%
Southern Star Sacco	KES 2.25 bn	+14.8%	KES 1.58 bn	41.43%	20.22%
Taqwa Sacco	KES 2.17 bn	+25.4%	KES 0.96 bn	2.96%	13.52%
Simba Chai Sacco	KES 2.12 bn	+2.9%	KES 1.50 bn	1.49%	33.93%
Wakenya Pamoja Sacco	KES 2.06 bn	+7.3%	KES 1.02 bn	39.88%	37.00%
Wananchi Sacco	KES 1.96 bn	+7.1%	KES 1.05 bn	95.94%	21.88%
Telepost Sacco	KES 1.83 bn	+33.6%	KES 0.46 bn	49.57%	23.53%
Jogoo Sacco	KES 1.80 bn	+12.5%	KES 1.54 bn	1.68%	12.38%
Smartlife Sacco	KES 1.78 bn	+9.9%	KES 1.14 bn	4.65%	24.47%
Muki Sacco	KES 1.74 bn	+12.3%	KES 1.42 bn	6.68%	26.49%
Eco – Pillar Sacco	KES 1.73 bn	+13.8%	KES 0.89 bn	70.40%	22.44%
Keystone DT Sacco	KES 1.73 bn	+20.1%	KES 1.16 bn	6.07%	18.31%
Centenary Sacco	KES 1.71 bn	+11.0%	KES 1.25 bn	10.66%	21.39%
Universal Traders Sacco	KES 1.68 bn	+5.7%	KES 1.34 bn	14.57%	24.61%
Egerton University Sacco	KES 1.63 bn	+14.0%	KES 0.94 bn	9.00%	17.48%
Elimu Sacco	KES 1.61 bn	+8.1%	KES 1.03 bn	8.01%	16.97%
2NK Sacco	KES 1.60 bn	+23.1%	KES 1.32 bn	11.93%	14.98%
Suluhu Sacco	KES 1.57 bn	+14.6%	KES 1.36 bn	3.32%	11.94%
Tabasamu Sacco	KES 1.52 bn	+16.0%	KES 1.08 bn	2.21%	36.80%
Mafanikio Sacco	KES 1.50 bn	+15.4%	KES 1.25 bn	2.27%	25.87%
Times U Sacco	KES 1.49 bn	+10.4%	KES 1.10 bn	23.20%	19.47%
Wakulima Commercial Sacco	KES 1.49 bn	+29.6%	KES 1.31 bn	9.43%	20.47%
Airports Sacco	KES 1.46 bn	+10.6%	KES 1.19 bn	5.44%	18.28%
Jamii Yetu Sacco	KES 1.46 bn	+11.5%	KES 1.13 bn	8.23%	32.10%
Fundilima Sacco	KES 1.32 bn	+8.2%	KES 1.10 bn	0.61%	11.41%
K – Pillar Sacco	KES 1.31 bn	+8.3%	KES 1.32 bn	40.12%	43.16%
Magadi Sacco	KES 1.30 bn	+18.2%	KES 1.11 bn	1.32%	18.57%
Wanaanga Sacco	KES 1.30 bn	+3.2%	KES 0.85 bn	13.86%	17.34%
Metropolitan National Sacco	KES 1.21 bn	+13.1%	KES 17.06 bn	97.77%	-1013.78%
Prime – Time Sacco	KES 1.16 bn	+12.6%	KES 0.77 bn	2.92%	17.43%
Taraji Sacco	KES 1.16 bn	+39.8%	KES 0.40 bn	9.21%	14.13%
Vision Afrika Sacco	KES 1.14 bn	+20.0%	KES 0.97 bn	9.70%	25.20%
Thamani Sacco	KES 1.12 bn	+12.0%	KES 0.61 bn	14.69%	28.30%
Kwikas DT Sacco	KES 1.07 bn	+17.6%	KES 0.74 bn	3.05%	27.81%
Dhabiti Sacco	KES 1.02 bn	+36.0%	KES 0.63 bn	23.95%	12.94%

small (66)

Name	Total assets	Growth	Gross loans	Bad loans (NPL ratio)	Core capital to assets
Golden Pillar Sacco	KES 0.97 bn	+15.5%	KES 0.88 bn	4.99%	20.53%
County Sacco	KES 0.91 bn	+11.0%	KES 0.29 bn	30.56%	29.99%
Siraji Sacco	KES 0.90 bn	+21.6%	KES 0.58 bn	13.78%	15.31%
Lainisha Sacco	KES 0.87 bn	+16.0%	KES 0.49 bn	22.35%	40.88%
NRS Sacco	KES 0.87 bn	+6.1%	KES 0.61 bn	5.68%	15.01%
Kimbilio Daima Sacco	KES 0.86 bn	−1.1%	KES 0.72 bn	45.18%	23.74%
Good Hope Sacco	KES 0.84 bn	+1.2%	KES 0.12 bn	18.95%	15.52%
Supa Sacco	KES 0.78 bn	+5.4%	KES 0.45 bn	13.17%	17.96%
Vision Point Sacco	KES 0.78 bn	+2.6%	KES 0.44 bn	20.96%	23.35%
Nafasi DT Sacco	KES 0.77 bn	+4.1%	KES 0.66 bn	2.54%	24.59%
Patnas Sacco	KES 0.77 bn	+20.3%	KES 0.24 bn	35.21%	18.64%
Orient Sacco	KES 0.74 bn	+1.4%	KES 0.22 bn	14.14%	22.85%
Fariji Sacco	KES 0.73 bn	+12.3%	KES 0.56 bn	13.43%	32.11%
Baraka Sacco	KES 0.66 bn	+15.8%	KES 0.24 bn	0.75%	33.37%
Lengo Sacco	KES 0.65 bn	+8.3%	KES 0.47 bn	2.25%	16.90%
Bi-High Sacco	KES 0.64 bn	+0.0%	KES 0.44 bn	7.63%	21.08%
Fortitude Sacco	KES 0.62 bn	+51.2%	KES 0.42 bn	6.50%	32.31%
Viktas Sacco	KES 0.62 bn	+10.7%	KES 0.43 bn	27.01%	25.12%
Tabasuri DT Sacco	KES 0.61 bn	+8.9%	KES 0.49 bn	5.51%	25.19%
Shoppers Sacco	KES 0.60 bn	−4.8%	KES 0.80 bn	97.81%	-35.89%
Chuka University Sacco	KES 0.59 bn	+11.3%	KES 0.54 bn	0.97%	26.88%
Wevarsity Sacco	KES 0.59 bn	+18.0%	KES 0.46 bn	3.54%	18.20%
Strategic DT Sacco	KES 0.57 bn	+14.0%	KES 0.44 bn	6.51%	18.81%
Acumen DT Sacco	KES 0.55 bn	+7.8%	KES 0.42 bn	6.64%	18.03%
Smart Champions Sacco	KES 0.51 bn	+10.9%	KES 0.48 bn	29.15%	27.21%
Ilkisonko Sacco	KES 0.49 bn	+22.5%	KES 0.36 bn	21.61%	30.83%
Kenya Achievas Sacco	KES 0.49 bn	+2.1%	KES 0.28 bn	10.65%	42.36%
Mudete Sacco	KES 0.47 bn	+9.3%	KES 0.30 bn	32.38%	32.73%
Stawisha Sacco	KES 0.47 bn	+27.0%	KES 0.36 bn	5.65%	22.80%
Ufanisi DT Sacco	KES 0.47 bn	+4.4%	KES 0.37 bn	2.56%	18.90%
Washa Sacco	KES 0.47 bn	+9.3%	KES 0.37 bn	11.41%	15.82%
Jitegemee Sacco	KES 0.44 bn	+0.0%	KES 0.10 bn	44.05%	-24.43%
Joinas Sacco	KES 0.41 bn	+17.1%	KES 0.31 bn	24.90%	16.64%
Kumbukumbu SACCO	KES 0.41 bn	+7.9%	KES 0.33 bn	0.23%	14.13%
Nyambene Arimi Sacco	KES 0.41 bn	+10.8%	KES 0.28 bn	37.45%	29.70%
Setyon DT Sacco	KES 0.40 bn	+166.7%	KES 0.28 bn	4.33%	17.25%
Home Business Sacco	KES 0.39 bn	+18.2%	KES 0.34 bn	5.90%	24.34%
Kencream Sacco	KES 0.39 bn	+2.6%	KES 0.34 bn	3.80%	24.32%
Enea Sacco	KES 0.38 bn	+35.7%	KES 0.27 bn	16.64%	22.77%
Ammar Sacco	KES 0.37 bn	+12.1%	KES 0.30 bn	4.41%	26.45%
Tenhos Sacco	KES 0.35 bn	−7.9%	KES 0.22 bn	29.53%	29.98%
Edis Sacco	KES 0.30 bn	+11.1%	KES 0.26 bn	7.94%	28.48%
Puan Sacco	KES 0.30 bn	+0.0%	KES 0.21 bn	5.47%	21.06%
Baraton Sacco	KES 0.28 bn	+12.0%	KES 0.22 bn	2.26%	26.89%
Sotico Sacco	KES 0.28 bn	+3.7%	KES 0.22 bn	34.31%	18.73%
Trans – Counties Sacco	KES 0.28 bn	+7.7%	KES 0.16 bn	17.50%	23.86%
Mwietheri Sacco	KES 0.27 bn	+28.6%	KES 0.13 bn	32.90%	35.90%
Jumuika Sacco	KES 0.25 bn	−3.8%	KES 0.10 bn	48.65%	16.13%
Stake Kenya Sacco	KES 0.24 bn	+0.0%	KES 0.11 bn	30.15%	22.79%
Dumisha SACCO	KES 0.22 bn	+0.0%	KES 0.15 bn	93.43%	16.13%
Kolenge Tea Sacco	KES 0.21 bn	+0.0%	KES 0.11 bn	5.54%	33.88%
Agrochem Sacco	KES 0.20 bn	+11.1%	KES 0.13 bn	7.92%	30.00%
Lamu Teachers Sacco	KES 0.19 bn	+0.0%	KES 0.08 bn	72.83%	-30.35%
Nandi Farmers Sacco	KES 0.19 bn	+18.8%	KES 0.12 bn	11.25%	32.53%
Nexus Sacco	KES 0.18 bn	+5.9%	KES 0.12 bn	3.33%	23.37%
Topkrim DT Sacco	KES 0.18 bn	+12.5%	KES 0.04 bn	19.03%	13.54%
The Apple Sacco	KES 0.16 bn	+6.7%	KES 0.12 bn	9.38%	39.93%
Biashara Tosha Sacco	KES 0.12 bn	+9.1%	KES 0.06 bn	6.71%	35.54%
Ainabkoi Sacco	KES 0.11 bn	+10.0%	KES 0.03 bn	29.82%	21.92%
Uni – County Sacco	KES 0.10 bn	+0.0%	KES 0.06 bn	1.24%	21.53%
Good Faith Sacco	KES 0.09 bn	+0.0%	KES 0.07 bn	14.58%	25.32%
Koru DT Sacco	KES 0.09 bn	+12.5%	KES 0.04 bn	12.42%	33.99%
Ndosha Sacco	KES 0.09 bn	+12.5%	KES 0.06 bn	34.13%	-70.00%
Goodway Sacco	KES 0.06 bn	+20.0%	KES 0.04 bn	30.47%	25.90%
Vihiga County Farmers Sacco	KES 0.06 bn	+0.0%	KES 0.01 bn	8.39%	17.89%
Kabiyet Sacco	KES 0.04 bn	−33.3%	KES 0.02 bn	19.29%	26.72%

Figures for the year to 31 December, as published. Growth is worked out by code from the two published years. Every licensed institution · Download CSV. Information, not advice.

Where does a saver get the most?

Peer tables for Kenyan savers, each from the providers' published rates.

Which lenders cost the most?

Loan costs compared in the same units, a yearly rate.

Which governments pay the most to borrow?

Markets compared on the same basis: the auction rate, the date and the source notice.

Which way of sending money home is cheapest?

Ways of sending money home compared on what they cost.

Remittance costs →Fees and exchange costs