Top Deposit-Taking SACCOs in Kenya by Asset Base

In Kenya, deposit-taking SACCOs (Savings and Credit Cooperative Organizations) play a vital role in offering financial services to members, primarily through savings mobilization and affordable credit access. These SACCOs are regulated by the Sacco Societies Regulatory Authority (SASRA), a government agency established in 2010 to oversee their licensing, supervision, and compliance.

According to SASRA’s 2022 Sacco Supervision Annual Report, a total of 176 SACCOs were licensed to undertake deposit-taking activities across Kenya. These SACCOs vary in size, membership base, and financial performance. A key metric used to rank them is total asset base, which provides a clear indication of their financial strength and capacity.

Below is a comprehensive ranking of Kenya’s largest deposit-taking SACCOs based on their total assets as reported by SASRA:

Top Deposit-Taking SACCOs in Kenya by Asset Base

	Sacco	Total Assets (Billions)
1	Mwalimu National	64.06
2	Stima DT	53.78
3	Kenya National Police DT	48.98
4	Harambee	37.01
5	Afya	20.94
6	Unaitas	20.40
7	Imarisha	19.82
8	Tower	19.57
9	United Nations DT	16.70
10	Ukulima	14.66
11	Invest And Grow (IG)	12.96
12	Gusii Mwalimu	12.85
13	Hazina	12.76
14	Bandari	12.01
15	Mentor	11.77
16	Imarika	11.67
17	Newfortis	10.19
18	Safaricom	10.05
19	Metropolitan National	10.02
20	Boresha DT	9.90
21	Winas	9.79
22	Trans Nation	9.70
23	Kenya Bankers	9.56
24	Kimisitu	9.54
25	Cosmopolitan	9.13
26	Kitui Teachers	8.82
27	Sheria	8.51
28	Solution	8.31
29	Ollin	8.18
30	Mombasa Port	8.14
31	Magereza	7.05
32	Bingwa	6.82
33	Unison	6.79
34	Amica	6.45
35	Waumini	6.34
36	Ushuru	6.12
37	K-Unity	5.72
38	Fortune	5.56
39	Nacico	5.51
40	Jamii	5.44
41	Yetu	5.37
42	Maisha Bora	5.18
43	Tembo	4.91
44	Kwetu DT	4.78
45	Chai	4.72
46	Nyati	4.58
47	Taifa	4.57
48	Shirika DT	4.51
49	Capital	4.49
50	Ndege Chai	4.27
51	GDC	4.25
52	Kenpipe	4.18
53	Tai	4.11
54	Kenya Highlands	3.95
55	Ngarisha	3.68
56	Kenversity	3.54
57	Qwetu	3.22
58	The Noble	3.19
59	Nawiri	3.18
60	Asili	3.13
61	Defence	3.03
62	Nation DT	3.00
63	NSSF	2.97
64	Biashara	2.73
65	Mwito	2.65
66	Skyline	2.55
67	Dimkes	2.46
68	Ardhi	2.31
69	Trans-National Times DT	2.21
70	Azima	2.02
71	Chuna	2.01
72	Simba Chai	1.96
73	Kingdom	1.86
74	Faridi	1.85
75	Ukristo Na Ufanisi DT	1.77
76	Wanandege	1.66
77	Daima	1.65
78	Wakenya Pamoja	1.64
79	Egerton University	1.63
80	Southern Star	1.53
81	Trans-Elite	1.53
82	Universal Traders	1.50
83	Smartlife	1.46
84	Taqwa	1.46
85	Wananchi	1.42
86	Elimu	1.38
87	Eco-Pillar	1.35
88	Centenary	1.32
89	Wana-Anga	1.27
90	Keystone	1.22
91	Muki	1.22
92	Times U	1.15
93	Mafanikio	1.12
94	Telepost	1.09
95	Fundilima	1.09
96	Airports	1.05
97	Tabasamu	1.05
98	Suluhu	1.04
99	2nk	0.97
100	Jamii Yetu	0.91
101	K-Pillar	0.90
102	Prime-Time	0.89
103	Wakulima Commercial	0.84
104	Magadi	0.83
105	Taraji	0.77
106	Thamani	0.76
107	Nyala Vision	0.76
108	Dhabiti	0.76
109	Orient	0.74
110	Kimbilio Daima	0.73
111	Nafasi DT	0.71
112	County	0.68
113	Good Hope	0.68
114	Vision Afrika	0.67
115	Bi-High	0.64
116	Lainisha	0.62
117	NRS	0.62
118	Shoppers	0.61
119	Supa	0.61
120	Vision Point	0.60
121	Golden Pillar	0.59
122	Siraji	0.58
123	Fariji	0.53
124	Patnas	0.52
125	Lengo	0.48
126	Jitegemee	0.47
127	Tabasuri	0.45
128	Wevarsity	0.44
129	Strategic DT	0.42
130	Ufanisi DT	0.42
131	Viktas	0.42
132	Baraka	0.41
133	Chuka University	0.41
134	Acumen	0.40
135	Kenya Achievas	0.40
136	Mudete Factory Tea Growers	0.40
137	Kencream	0.39
138	Smart Champions	0.38
139	Tenhos	0.37
140	Washa	0.35
141	Stawisha	0.31
142	Fortitude	0.31
143	PUAN	0.30
144	Ilkisonko	0.28
145	Nyambene Arimi	0.27
146	Home Business	0.27
147	Joinas	0.26
148	Edis	0.26
149	Enea	0.24
150	Stake Kenya	0.24
151	Dumisha	0.24
152	Ammar	0.24
153	Sotico	0.24
154	Trans Counties	0.23
155	Jumuika	0.22
156	Nufaika	0.22
157	Baraton	0.21
158	Lamu Teachers	0.20
159	Kolenge Tea	0.18
160	Mwietheri	0.18
161	Agrochem	0.17
162	Ndosha	0.17
163	Kenya Midland	0.17
164	Rachuonyo Teachers	0.15
165	Jacaranda	0.15
166	Nexus	0.15
167	Nandi Farmers	0.14
168	Ainabkoi	0.12
169	The Apple	0.11
170	Uni-County	0.10
171	Biashara Tosha	0.09
172	Koru	0.08
173	Good Faith	0.07
174	Goodway	0.06
175	Vihiga County Farmers	0.05
176	Kabiyet	0.05

These SACCOs span various sectors and member categories — from government employees and teachers to private sector workers and entrepreneurs. Asset strength often translates to better services, wider credit options, and stronger financial security for members.

Why SACCO Asset Base Matters

The asset base reflects a SACCO’s total holdings, including member savings, investments, and loans issued. A higher asset base generally means:

Greater lending capacity
More financial products and innovation
Enhanced stability and member confidence
Better returns through dividends and interest on deposits

This list provides a practical benchmark for individuals and groups considering SACCO membership or partnerships in 2025 and beyond.

About SASRA

SASRA (Sacco Societies Regulatory Authority) is mandated to supervise, license, and regulate all deposit-taking SACCOs in Kenya. It ensures financial discipline, compliance, and transparency in the cooperative sector.