Stima Deposit-Taking Savings and Credit Cooperative Society grew its balance sheet size to KSh 75.3 billion in 2025, up from KSh 66.4 billion in the previous year. As the period upon which SACCOs are required to hold their annual general meetings heads towards the April 2026 deadline, Stima SACCO has moved closer to becoming the largest SACCO in Kenya. Mwalimu National DT SACCO, which had a balance sheet size of KSh 76.3 Billion in 2025, still sits at the top of the pile.
Financial statements for Stima SACCO for the year ended 31st December 2025 shows that Members’ deposits stood at KSh 52.2 billion, while the loan book grew to KSh 52.5 billion, reflecting sustained demand for accessible and affordable credit.
Capital adequacy and liquidity levels remained comfortably above regulatory requirements, affirming the Society’s financial soundness and prudent oversight.
In light of this performance, the Stima SACCO Board recommended a first and final dividend of 16% per share on fully paid-up shares as at 31 December 2025. It also recommended payment of interest on members’ deposits or rebate of 11%.
Stima SACCO gives bounty cheque to members
Stima SACCO members are therefore receiving a combined pay cheque worth KSh 5.1 billion, compared to KSh 4.6 billion in 2024, reflecting the Society’s commitment to rewarding members for their loyalty and participation in the Society.
Available figures indicate that Tower SACCO, Ports SACCO, Tembo SACCO, NSSF SACCO, Balozi SACCO and Maisha Bora SACCO are the top dividend payers in Kenya, all rewarding their members with a Dividend Payment on Share Capital of 20%. Other top dividend payers are Yetu 19%, Unison 18.5%, Ndege Chai 18.5% and Nation 18% bring up the rear of the top 10 dividend payers in the SACCO business.
Nawiri SACCO paid the highest rebates or Interest on Members’ Deposits at 15%, followed by Newforties SACCO 13%, Tower SACCO 13%, Yetu Sacco 13% , Unison SACCO 12.6%, Winas SACCO 12.5%, Ports SACCO 12.5%, TransNation SACCO 12.5%,Mentor SACCO 12.5% and Bandari SACCO 12.2% similar to Ollin SACCO and IG SACCO.
Stima SACCO Net Profit rose 2.5% from KSh 2.16 billion to KSh 2.22 billion in 2025 while its placement with Banks increased from KSh 8.73 billion to KSh 11.56 billion in 2025. Stima SACCO investment in Government securities increased significantly from KSh 3.67 billion in 2024 to KSh 6.28 billion in 2025.
Stima SACCO grew its membership by 9.4% from 220,650 IN 2024 to 241,324 in 2025. Total Revenue for the Society was up 4.9% from KSh 10.8 billion in 2024 to KSh 10.8 billion in 2025.
Despite a dynamic operating environment, the Society recorded total revenue of KSh 10.8 billion. Membership grew to 241,324, reflecting sustained confidence in the cooperative model and the continued relevance of Stima SACCO value proposition.
“Core capital stood at KSh 16.5 billion, while liquidity remained strong at 104.06%, well above the statutory requirement of 15%. Together, these indicators affirm the financial soundness of the institution and our commitment to prudent balance sheet management and long-term sustainability,” said Dr. Gamaliel Hassan, Chief Executive Officer Stima DT Sacco Society Limited.
Dr Gamaliel was also part of the Committee of Experts appointed by the state to make recommendations of structural and legal reforms needed in the SACCO sector.
Stima SACCO also experienced enormous digital transformation that saw transaction volumes increased from KSh 33.9 billion in 2023 to KSh51.4 billion in 2025, representing a 51.5% growth.
“The Society now conducts more than 93% of member transactions through digital channels. This behavioural shift has reduced branch congestion, improved service accessibility nationwide and enhanced operational efficiency,” said Dr Gamaliel.
He said that following Stima SACCO Golden Jubilee celebrations in 2024, 2025 marked a deliberate shift from commemoration to consolidation. It was a year defined by disciplined execution as the Society translated its 2025–2029 Strategic Plan into measurable action across the organisation.
“Our focus remained firmly anchored on operational excellence, financial prudence and member-centred innovation, “said Dr Gamaliel.
While executing its 2025-29 Strategic plan, Stima SACCO has so far digitised its loan management processes through automated recovery mechanisms, online salary advance applications and automated guarantor notifications.
Stima SACCO members can now access loan statements seamlessly via mobile and internet banking platforms, improving visibility, reinforcing repayment discipline and strengthening overall credit portfolio management.
Dr Gamaliel said Stima SACCO put Cybersecurity as a critical priority throughout 2025.
“We successfully prevented cyber intrusions across our platforms, with zero financial loss arising from cyber-related incidents. Continuous monitoring, strengthened system architecture and enhanced threat detection capabilities have reinforced member confidence in our digital ecosystem and ensured the integrity of our services,” said Dr Gamaliel.
Established in 1974, Stima SACCO which has a network of 12 branches, has formalized its partnership with Pesalink, positioning the Stima SACCO among the first cooperatives to fully integrate its operations with a national instant payment platform.
This partnership enables the SACCO members to send and receive up to KSh 999,999 instantly through M-Stima App and USS$, a major step in the Society’s digitization efforts to enable members to move money between the SACCO and bank accounts without delays associated with traditional processing.
Stima SACCO members can now access loan statements seamlessly via mobile and internet banking platforms, improving visibility, reinforcing repayment discipline and strengthening overall credit portfolio management.
Dr Gamaliel said Stima SACCO put Cybersecurity as a critical priority throughout 2025.
“We successfully prevented cyber intrusions across our platforms, with zero financial loss arising from cyber-related incidents. Continuous monitoring, strengthened system architecture and enhanced threat detection capabilities have reinforced member confidence in our digital ecosystem and ensured the integrity of our services,” said Dr Gamaliel.
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