Picture a dedicated police officer finally breaking ground on a decent family home, an ambitious local merchant securing capital to expand their business, or a determined member stepping into a university lecture hall to further their education. Behind thousands of these life-changing milestones, the Kenya National Police DT SACCO has stood firmly as a quiet but unwavering financial pillar.
The SACCO has not only grown in sheer numbers but also in its profound impact on its members. The launch of its historical profile recently, “Ties That Built a Legacy,” which chronicles the SACCO’s milestones, challenges, and achievements over the half-century, paints a vivid picture of a success story that continues to transform lives.
As its members have been empowered socio-economically, the Society has simultaneously risen to become a national financial powerhouse. Its 52nd Annual General Meeting, held recently, was a celebration of over five decades of cooperative excellence.
The SACCO 2025 financial statements indicate it is on the right growth trajectory. The Society recorded notable growth across all key financial indicators.
The SACCO’s total assets rose steadily by 11.1%, climbing from Ksh 59.8 billion in 2024 to Ksh 66.4 billion in 2025. The institution was equally successful in deposit mobilization, growing its non-withdrawable deposits by 8% to hit Ksh 33.6 billion.
Loans and advances surged by 10.1%, reaching Ksh 55.3 billion, up from Ksh 50.4 billion the previous year. Consequently, total revenue increased by 8% to Ksh 10.7 billion, compared to Ksh 9.9 billion in 2024.
The real winners, however, were the members, who pocketed over Ksh 4.1 billion in annual returns—a 6.6% increase. This impressive payout featured a 17% dividend on shares amounting to Ksh 624.3 million, and an 11% interest on deposits totaling Ksh 3.5 billion.
This impressive growth highlights the SACCO’s excellence in service delivery and robust governance, cementing its position as one of Kenya’s best-performing financial cooperatives. Last year, it was rated the second-best performing SACCO nationally during the Ushirika Day celebrations, underscoring its commitment to professional practices.
In addition, its strong capital liquidity and excellent asset quality earned the Society a favourable Global Credit Rating (GCR) with a stable outlook. Building on its ISO 9001:2015 certification, the Society has aggressively integrated quality management with information security (ISO 27001) and business continuity (ISO 22301) systems. These milestones have strengthened its resilience, operational excellence, and stakeholder confidence for sustainable growth in an increasingly digital environment.
The SACCO’s 2025–2029 Strategic Plan is anchored on four core pillars: member centricity, institutional sustainability, fostering a better world to live in (aligned with ESG principles), and ICT and digitization.
“Technology continues to be a strategic pillar and driver of the SACCO’s business operations,” noted Mr. David Mategwa, the SACCO Board National Chairman, adding that the institution has consistently upgraded its technological infrastructure and strengthened cybersecurity guards.
Last year, the SACCO undertook significant technological enhancements aimed at improving service efficiency, reliability, and accessibility across multiple transaction channels. Its MTawi platform has emerged as a true game-changer, seamlessly supporting core services such as deposits, withdrawals, and loan disbursements and repayments.
“We plan to operationalize additional transaction channels this year as part of our ongoing digital transformation agenda,” Mr. Mategwa stated.
These technological leaps, alongside the formal unveiling of the half-century historical profile, ‘Ties That Built a Legacy,’ mark a pivotal moment for the fast-growing SACCO.
“This defines our ambition, strategic focus, and key enablers for achieving our goals,” Mr. Mategwa told delegates while speaking during the 52nd Annual Delegates Meeting (ADM) held at the Nairobi Serena Hotel.
Beyond numbers, the Kenya National Police DT SACCO is deeply committed to empowering its members through targeted financial education and coaching. To support their socio-economic growth, the SACCO has been conducting extensive member education and training campaigns nationwide.
It also organizes the National Top Saver and Regional Best Savers forums, which are designed to inculcate financial literacy. During the ADM, the SACCO’s leadership and management recognized and rewarded the best savers across various categories.
“Technology continues to be a strategic pillar and driver of the SACCO’s business operations.”
~ Mr. David Mategwa, OGW, HSC, DSA, ICDE, National Chairman.
CSR
Under its Corporate Social Investment arm, the SACCO sponsored 43 students, who sat for their KCSE exams last year, with 37 qualifying for direct university entry. The Society further supported police training institutions by constructing and handing over a modern gymnasium at the National Police College main campus in Kiganjo, and building a saluting dais at the Embakasi B campus.
“The SACCO remains committed to supporting community projects in line with the cooperative principle of concern for the community,” Mr. Mategwa affirmed.
That commitment to excellence extends directly to the institution’s regulatory health. “The compliance level continues to be impressive; the Society performed above all the prudential ratios. The core capital to deposit ratio stood at 174%, giving the SACCO a solid financial base to undertake its investment operations,” noted Mr. Eric Kamaitha, the Supervisory Committee Chairperson.
Today, the Kenya National Police DT SACCO stands as the country’s leading and most trusted financial cooperative, providing secure, affordable, and member-focused solutions to a membership that stood at 76,280 in 2025.
Its subsidiary, the Kenya Police Investment Cooperative, has also registered remarkable growth. Total assets jumped by 66.9% to Ksh 831 million, largely driven by new gated community projects in Juja, Kiserian, and Eldoret. Member deposits rose to Ksh 170 million, while the investment cooperative’s total revenue grew by an impressive 179.6%, from Ksh 106 million to Ksh 297 million.
Hon. Patrick Kilemi, the Principal Secretary in the State Department for Cooperatives, who represented Cooperatives and MSMEs, Cabinet Secretary Dr. Wycliffe Oparanya commended the SACCO for its strong year-on-year growth. He described the performance as a clear testament to disciplined financial management, sound governance, and unwavering member confidence.
“The SACCO now stands among Kenya’s leading deposit-taking institutions, delivering tangible value to hardworking members and their families,” he said.
The PS encouraged the SACCO to aim even higher, challenging the leadership with a bold vision: growing its assets to USD 1 billion—a goal that will undoubtedly drive further innovation, expansion, and an even greater impact for its members and their families.
