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.

Non-withdrawable-deposit SACCOs

SASRA Supervision Annual Report 2025, p. 17531 Dec 2025

By SASRA's size tier, largest first by total assets.

large (5)

Name	Total assets	Growth	Deposits	Bad loans (NPL ratio)	Core capital to assets
United Women Sacco	KES 8.09 bn	+16.6%	KES 6.79 bn	9.11%	7.08%
Kenya Medical Association Sacco	KES 7.26 bn	+7.1%	KES 5.89 bn	2.53%	9.14%
Co-operative Bank Sacco	KES 6.83 bn	+11.8%	KES 4.17 bn	1.36%	13.35%
Balozi Sacco	KES 6.13 bn	+1.8%	KES 4.50 bn	3.72%	6.72%
Parliamentarians Sacco	KES 5.67 bn	+30.3%	KES 4.92 bn	27.97%	4.35%

medium (26)

Name	Total assets	Growth	Deposits	Bad loans (NPL ratio)	Core capital to assets
Law Society of Kenya Sacco	KES 4.70 bn	+12.4%	KES 3.85 bn	2.20%	8.43%
AMREF Sacco	KES 4.16 bn	+7.2%	KES 3.24 bn	8.82%	13.23%
Verona Huruma Sacco	KES 3.72 bn	+12.4%	KES 2.88 bn	5.24%	13.66%
Ukaguzi Sacco	KES 3.70 bn	+11.8%	KES 2.68 bn	0.56%	14.34%
Banki Kuu Sacco	KES 3.53 bn	+17.3%	KES 2.15 bn	3.62%	11.36%
Equity Sacco	KES 3.28 bn	+7.5%	KES 2.68 bn	5.90%	9.80%
Kewisco Sacco	KES 2.44 bn	+14.0%	KES 1.64 bn	6.51%	21.78%
Bunge Sacco	KES 2.37 bn	+6.8%	KES 1.97 bn	14.12%	9.05%
Finnlemm Sacco	KES 2.36 bn	+4.0%	KES 1.77 bn	5.85%	10.68%
Kenyatta Matibabu Sacco	KES 1.98 bn	+3.7%	KES 1.58 bn	2.14%	8.94%
Utabibu Sacco	KES 1.92 bn	+15.0%	KES 1.39 bn	1.62%	11.82%
Kentours Sacco	KES 1.63 bn	+16.4%	KES 1.25 bn	8.01%	10.08%
BAT Sacco	KES 1.62 bn	+8.0%	KES 1.31 bn	0.20%	8.28%
Nairobi Water Sacco	KES 1.61 bn	+14.2%	KES 1.21 bn	2.55%	15.45%
Biblia Sacco	KES 1.57 bn	+2.6%	KES 1.29 bn	8.50%	8.98%
Forward Travellers Sacco	KES 1.57 bn	+14.6%	KES 0.33 bn	8.67%	17.17%
PCEA Sacco	KES 1.48 bn	+13.0%	KES 1.08 bn	3.70%	10.67%
Reli Sacco	KES 1.33 bn	+18.7%	KES 0.39 bn	3.34%	22.09%
Shelloyees Sacco	KES 1.33 bn	+15.7%	KES 0.99 bn	0.94%	9.44%
Vision Sacco	KES 1.31 bn	+2.3%	KES 0.93 bn	0.69%	19.47%
PCEA Kayole Sacco	KES 1.30 bn	+16.1%	KES 1.07 bn	4.89%	11.57%
Ubora Sacco	KES 1.24 bn	+6.9%	KES 0.96 bn	0.20%	15.40%
KAG Sacco	KES 1.22 bn	+8.0%	KES 0.94 bn	26.18%	18.95%
Utafiti Sacco	KES 1.16 bn	+4.5%	KES 0.93 bn	1.08%	9.86%
Family Sacco	KES 1.08 bn	+16.1%	KES 0.77 bn	0.67%	11.09%
Kirungii Sacco	KES 1.01 bn	−3.8%	KES 0.89 bn	0.81%	5.56%

small (144)

Name	Total assets	Growth	Deposits	Bad loans (NPL ratio)	Core capital to assets
Smart Savers Sacco	KES 0.99 bn	+11.2%	KES 0.72 bn	3.84%	18.44%
Communication Sacco	KES 0.91 bn	+13.7%	KES 0.75 bn	0.98%	7.49%
Taa Sacco	KES 0.89 bn	+1.1%	KES 0.30 bn	12.75%	-19.62%
Postbank Sacco	KES 0.88 bn	+10.0%	KES 0.67 bn	4.38%	12.56%
Unbound Sacco	KES 0.87 bn	−4.4%	KES 0.48 bn	12.62%	24.61%
Uaminifu Sacco	KES 0.83 bn	−6.7%	KES 0.42 bn	2.68%	40.48%
Ukombozi Sacco	KES 0.82 bn	+10.8%	KES 0.68 bn	10.34%	8.61%
Blue Eagle Sacco	KES 0.80 bn	+14.3%	KES 0.63 bn	4.57%	13.22%
Kingsize Sacco	KES 0.80 bn	+2.6%	KES 0.61 bn	0.11%	9.10%
Braemeg Sacco	KES 0.75 bn	+11.9%	KES 0.62 bn	4.19%	8.54%
Shamiri Sacco	KES 0.74 bn	+1.4%	KES 0.59 bn	1.78%	17.64%
Bands Sacco	KES 0.73 bn	+14.1%	KES 0.59 bn	15.41%	12.01%
Total Sacco	KES 0.71 bn	+1.4%	KES 0.58 bn	2.32%	10.77%
Rubani Sacco	KES 0.70 bn	+20.7%	KES 0.59 bn	0.00%	8.19%
Concorde Sacco	KES 0.69 bn	+9.5%	KES 0.56 bn	16.36%	11.19%
Lompasago Sacco	KES 0.69 bn	+7.8%	KES 0.50 bn	13.01%	0.21%
Nyumba Generations Sacco	KES 0.69 bn	+19.0%	KES 0.53 bn	0.37%	15.89%
Masterways Sacco	KES 0.68 bn	+9.7%	KES 0.53 bn	0.91%	13.06%
Brookside Sacco	KES 0.66 bn	+8.2%	KES 0.50 bn	0.66%	10.84%
Relief Sacco	KES 0.66 bn	+15.8%	KES 0.51 bn	0.40%	6.65%
Dhamini Sacco	KES 0.65 bn	+6.6%	KES 0.50 bn	6.12%	10.10%
Adventist Sacco	KES 0.64 bn	+10.3%	KES 0.42 bn	3.57%	13.77%
Nairobi Consumers Sacco	KES 0.64 bn	+16.4%	KES 0.53 bn	0.73%	10.84%
Kenya - USA Diaspora Sacco	KES 0.61 bn	+7.0%	KES 0.50 bn	3.14%	12.93%
Farmers Choice Sacco	KES 0.60 bn	+15.4%	KES 0.44 bn	2.26%	2.04%
Kenya Rural Roads Sacco	KES 0.59 bn	+11.3%	KES 0.50 bn	0.00%	8.01%
Kanisa Sacco	KES 0.58 bn	−4.9%	KES 0.46 bn	17.00%	12.72%
Neno Sacco	KES 0.57 bn	+16.3%	KES 0.46 bn	3.20%	13.31%
KEMRI Sacco	KES 0.56 bn	+0.0%	KES 0.33 bn	0.13%	21.01%
Mzima Springs Sacco	KES 0.54 bn	+12.5%	KES 0.45 bn	2.78%	11.68%
Kiatu Sacco	KES 0.53 bn	−1.9%	KES 0.43 bn	17.36%	-0.83%
Maridhawa Sacco	KES 0.53 bn	+3.9%	KES 0.41 bn	6.69%	10.66%
Sauti Sacco	KES 0.53 bn	+8.2%	KES 0.18 bn	1.33%	17.82%
Tramom Sacco	KES 0.52 bn	+18.2%	KES 0.38 bn	7.55%	12.31%
ACK Imani Talent Sacco	KES 0.51 bn	+34.2%	KES 0.41 bn	1.53%	13.75%
Bamburi Wananchi Sacco	KES 0.51 bn	+0.0%	KES 0.35 bn	11.37%	13.47%
Mofaa Sacco	KES 0.49 bn	+19.5%	KES 0.39 bn	0.81%	11.01%
Fugo Sacco	KES 0.44 bn	+7.3%	KES 0.31 bn	22.44%	20.55%
Exams Sacco	KES 0.43 bn	+2.4%	KES 0.36 bn	2.57%	8.00%
Torch Sacco	KES 0.41 bn	+2.5%	KES 0.33 bn	3.82%	7.79%
Waskom Sacco	KES 0.41 bn	+5.1%	KES 0.31 bn	4.87%	17.05%
Grain Bulk Sacco	KES 0.40 bn	+8.1%	KES 0.31 bn	10.63%	14.48%
Sawa Sacco	KES 0.40 bn	−7.0%	KES 0.33 bn	1.16%	8.79%
Barabara Sacco	KES 0.38 bn	+8.6%	KES 0.32 bn	0.89%	9.41%
Baraka Yetu Sacco	KES 0.38 bn	+15.2%	KES 0.29 bn	40.87%	20.00%
Limlak Sacco	KES 0.38 bn	+15.2%	KES 0.24 bn	8.23%	25.91%
ACK Kihara Sacco	KES 0.37 bn	+15.6%	KES 0.30 bn	19.28%	11.20%
Embassava Sacco	KES 0.37 bn	+23.3%	KES 0.28 bn	9.91%	13.77%
KIDAPU Sacco	KES 0.37 bn	+8.8%	KES 0.28 bn	9.94%	11.35%
Radio Guard Sacco	KES 0.37 bn	+0.0%	KES 0.29 bn	5.45%	15.53%
Ballot Sacco	KES 0.36 bn	+2.9%	KES 0.26 bn	0.00%	11.97%
Davis & Shirtliff Sacco	KES 0.36 bn	+5.9%	KES 0.30 bn	2.04%	10.74%
Uokoaji Sacco	KES 0.36 bn	−2.7%	KES 0.24 bn	42.76%	11.29%
Kenchic Sacco	KES 0.35 bn	+12.9%	KES 0.28 bn	1.31%	11.40%
ABC Empowerment Sacco	KES 0.34 bn	+3.0%	KES 0.32 bn	61.20%	5.79%
Eagle's Eye Sacco	KES 0.34 bn	+9.7%	KES 0.27 bn	14.84%	13.04%
Kenya Re Sacco	KES 0.34 bn	+9.7%	KES 0.25 bn	7.16%	7.09%
Bestrock Sacco	KES 0.33 bn	+10.0%	KES 0.20 bn	7.57%	31.14%
Devco Sacco	KES 0.33 bn	+13.8%	KES 0.27 bn	0.37%	9.45%
Dudu Sacco	KES 0.33 bn	+10.0%	KES 0.26 bn	0.80%	11.01%
Urban Roads Sacco	KES 0.33 bn	−8.3%	KES 0.27 bn	11.98%	12.97%
Christian Enterpreneurs Sacco	KES 0.32 bn	+3.2%	KES 0.23 bn	1.54%	13.31%
HELB Sacco	KES 0.32 bn	+3.2%	KES 0.27 bn	0.00%	9.23%
3N Sacco	KES 0.30 bn	+11.1%	KES 0.23 bn	0.00%	14.18%
Gathers Sacco	KES 0.30 bn	+7.1%	KES 0.26 bn	6.83%	9.10%
ICEA Agents Sacco	KES 0.30 bn	+15.4%	KES 0.22 bn	1.51%	16.50%
Kijabe Sacco	KES 0.30 bn	+7.1%	KES 0.27 bn	2.62%	8.02%
Kilele Sacco	KES 0.30 bn	−16.7%	KES 0.23 bn	41.72%	15.82%
Stoke - UK Diaspora Sacco	KES 0.30 bn	+30.4%	KES 0.15 bn	0.00%	36.25%
USIU-Africa Sacco	KES 0.30 bn	−6.3%	KES 0.27 bn	2.69%	8.29%
ACK Thika Talents Sacco	KES 0.29 bn	+7.4%	KES 0.22 bn	6.73%	19.73%
PEFA Nairobi Central Sacco	KES 0.29 bn	+0.0%	KES 0.23 bn	50.44%	10.80%
CDF Sacco	KES 0.28 bn	+3.7%	KES 0.21 bn	10.28%	14.56%
Hyperflora Sacco	KES 0.28 bn	+12.0%	KES 0.23 bn	0.72%	8.40%
Irrigation Sacco	KES 0.28 bn	+7.7%	KES 0.21 bn	3.13%	14.60%
Ketepa Sacco	KES 0.28 bn	+7.7%	KES 0.17 bn	2.67%	25.02%
Appollosure Sacco	KES 0.27 bn	+17.4%	KES 0.20 bn	1.00%	14.82%
EPZA Sacco	KES 0.27 bn	+8.0%	KES 0.21 bn	5.62%	14.96%
Hills Sacco	KES 0.27 bn	+8.0%	KES 0.19 bn	3.66%	11.76%
MTN Sacco	KES 0.27 bn	+17.4%	KES 0.19 bn	14.28%	8.63%
Vegpro Sacco	KES 0.27 bn	+12.5%	KES 0.22 bn	0.26%	8.01%
Zoghori Sacco	KES 0.26 bn	+13.0%	KES 0.19 bn	10.81%	20.19%
Bunista Sacco	KES 0.25 bn	+4.2%	KES 0.16 bn	2.78%	17.98%
Unga Sacco	KES 0.25 bn	+4.2%	KES 0.18 bn	5.08%	16.49%
Uwezo Sacco	KES 0.25 bn	+4.2%	KES 0.21 bn	28.91%	8.70%
Esta Sacco	KES 0.24 bn	+9.1%	KES 0.20 bn	0.35%	9.45%
Kenfam Sacco	KES 0.24 bn	+9.1%	KES 0.20 bn	2.06%	14.68%
Queensway Sacco	KES 0.24 bn	+0.0%	KES 0.20 bn	7.77%	12.29%
Ramco Group Sacco	KES 0.24 bn	−20.0%	KES 0.20 bn	3.61%	10.53%
Alarms Sacco	KES 0.23 bn	−4.2%	KES 0.17 bn	2.13%	0.43%
CFAO Sacco	KES 0.23 bn	+4.5%	KES 0.19 bn	1.30%	9.46%
KASNEB Sacco	KES 0.23 bn	+4.5%	KES 0.17 bn	4.02%	16.42%
Jachin Sacco	KES 0.22 bn	+10.0%	KES 0.19 bn	3.71%	8.56%
Kimtech Sacco	KES 0.22 bn	+15.8%	KES 0.16 bn	0.05%	10.16%
Maktaba Sacco	KES 0.22 bn	−8.3%	KES 0.09 bn	15.68%	-6.83%
Minet Sacco	KES 0.22 bn	+10.0%	KES 0.18 bn	0.00%	7.40%
Energy Sacco	KES 0.21 bn	+5.0%	KES 0.15 bn	26.98%	10.84%
Kenred Sacco	KES 0.21 bn	+5.0%	KES 0.18 bn	1.77%	12.27%
Mount Kenya University Sacco	KES 0.21 bn	+16.7%	KES 0.16 bn	3.68%	10.84%
PCEA Makupa Parish Sacco	KES 0.21 bn	+5.0%	KES 0.16 bn	4.13%	15.42%
Java Sacco	KES 0.20 bn	+17.6%	KES 0.16 bn	18.92%	16.15%
Kinga Sacco	KES 0.20 bn	−4.8%	KES 0.16 bn	3.69%	10.77%
Parents Plan Sacco	KES 0.20 bn	+5.3%	KES 0.17 bn	12.88%	8.38%
Transwest Sacco	KES 0.20 bn	+5.3%	KES 0.15 bn	5.97%	6.20%
CIC Sacco	KES 0.19 bn	+11.8%	KES 0.14 bn	0.21%	15.18%
Green Aro Community Sacco	KES 0.19 bn	+5.6%	KES 0.12 bn	4.39%	33.15%
Haco Sacco	KES 0.19 bn	+11.8%	KES 0.12 bn	4.37%	18.79%
Heart Sacco	KES 0.19 bn	+11.8%	KES 0.16 bn	28.37%	7.93%
Madison Sacco	KES 0.19 bn	+5.6%	KES 0.13 bn	6.45%	23.48%
Accel Sacco	KES 0.18 bn	−14.3%	KES 0.13 bn	2.03%	11.91%
Kabarak University Sacco	KES 0.18 bn	+0.0%	KES 0.13 bn	14.32%	22.07%
Kutafiti Sacco	KES 0.18 bn	+0.0%	KES 0.15 bn	0.08%	10.09%
Nendeni Sacco	KES 0.18 bn	+0.0%	KES 0.14 bn	11.18%	16.12%
Tetra Pak Sacco	KES 0.18 bn	+5.9%	KES 0.15 bn	13.23%	1.86%
Wasado Sacco	KES 0.18 bn	+12.5%	KES 0.13 bn	1.20%	14.94%
Jumuia Ya Ulaya Sacco	KES 0.17 bn	−10.5%	KES 0.13 bn	0.00%	9.48%
Nimepata Sacco	KES 0.17 bn	−5.6%	KES 0.14 bn	29.98%	13.61%
AIBK Sacco	KES 0.16 bn	+0.0%	KES 0.13 bn	29.63%	15.16%
Cotts Sacco	KES 0.16 bn	+6.7%	KES 0.14 bn	0.00%	8.42%
Faulu Bank Sacco	KES 0.16 bn	−11.1%	KES 0.10 bn	4.37%	21.82%
Hoechem Sacco	KES 0.16 bn	+0.0%	KES 0.12 bn	7.43%	9.40%
Majanees Sacco	KES 0.16 bn	+6.7%	KES 0.13 bn	3.77%	13.04%
Mataara Travellers Sacco	KES 0.16 bn	+0.0%	KES 0.13 bn	12.85%	12.37%
Mikebe Sacco	KES 0.16 bn	+6.7%	KES 0.11 bn	0.69%	9.66%
Mkombozi Sacco	KES 0.16 bn	+0.0%	KES 0.13 bn	25.59%	7.85%
Network Sacco	KES 0.16 bn	−11.1%	KES 0.13 bn	58.95%	10.58%
Sisi Kwa Sisi Sacco	KES 0.16 bn	+6.7%	KES 0.13 bn	0.02%	7.20%
Airlink Sacco	KES 0.15 bn	−6.3%	KES 0.11 bn	6.06%	17.01%
Kiambu Chania Umoja Sacco	KES 0.15 bn	−6.3%	KES 0.13 bn	1.32%	8.08%
Kico Sacco	KES 0.15 bn	+7.1%	KES 0.10 bn	11.08%	22.93%
Ol’Kaunsel Sacco	KES 0.15 bn	+0.0%	KES 0.12 bn	3.75%	8.12%
Panda Sacco	KES 0.15 bn	+7.1%	KES 0.11 bn	0.09%	16.91%
The Standard Sacco	KES 0.15 bn	−6.3%	KES 0.13 bn	31.79%	2.78%
London Sacco	KES 0.14 bn	+7.7%	KES 0.11 bn	1.82%	9.87%
Polytech Sacco	KES 0.14 bn	−6.7%	KES 0.12 bn	0.13%	8.08%
COCOTECH Sacco	KES 0.13 bn	+0.0%	KES 0.11 bn	0.11%	8.36%
Rambhai Sacco	KES 0.13 bn	+0.0%	KES 0.11 bn	2.86%	9.28%
Transglob Sacco	KES 0.13 bn	+0.0%	KES 0.10 bn	0.59%	11.00%
Besco Sacco	KES 0.12 bn	−7.7%	KES 0.10 bn	0.60%	17.69%
Grand Granite Diaspora Sacco	KES 0.11 bn	+22.2%	KES 0.07 bn	0.00%	36.02%
Rembo Shuttle Sacco	KES 0.11 bn	−8.3%	KES 0.09 bn	71.33%	13.57%
Unifying Sacco	KES 0.10 bn	+0.0%	—	9.38%	-2.99%
Royal Media Sacco	KES 0.07 bn	−36.4%	KES 0.12 bn	60.86%	-70.99%
Digital Media Sacco	KES 0.03 bn	+0.0%	—	86.42%	4.88%

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