Ndege Chai Sacco has cemented its status as one of Kenya’s most stable and well-established financial cooperatives, delivering impressive results for the 2025 financial year.
Despite a challenging economic environment, the Sacco maintained attractive returns, declaring dividends on share capital at a rate of 18.5%. In addition, the Board of Directors announced a double-digit interest rebate on members’ deposits at 10%. This payout follows a year of remarkable growth across all key performance indicators.
In a historic milestone, the Sacco’s total revenue hit the Ksh 1 billion mark in 2025. Total assets grew by 12% to reach Ksh 5.898 billion, firmly positioning the institution within the elite Tier 1 Sacco category. By the end of the year, non-withdrawable deposits stood at Ksh 3.44 billion, while withdrawable savings grew to Ksh 635.8 million.
The Board attributes this success to a member-centric philosophy, exceptional customer service, and a portfolio of competitive products. Furthermore, a robust governance structure, prudent management practices, and the adoption of cutting-edge technology have been instrumental in driving this stellar financial performance.
By the close of 2025, the Sacco’s membership had expanded to over 80,000. This growth is a testament to the Sacco’s success in transforming livelihoods through affordable and accessible credit. As of 31st December 2025, the Sacco loan portfolio stood at Ksh 4.331 billion, supporting members in diverse areas including personal development, business growth, education, and housing.
From its humble beginnings in 1978, Ndege Chai Sacco has evolved into a financial powerhouse, with a strong presence across Kericho, Bomet, Nyamira, Nandi, Trans Nzoia, Mombasa, and Nakuru counties.
This consistent success has earned the Sacco numerous accolades at both national and county levels. During the last Ushirika Day celebrations, the Sacco bagged 21 trophies. At the national level, it secured four prestigious awards, including Best Performing, Best in Member Management, Best in Credit Management, and Most Efficient Agri-based Deposit-Taking (DT) Sacco. Additionally, it swept 16 trophies in Kericho and one in Nakuru, while also featuring prominently at the 2025 Champions of Governance Awards (COG).
“We have sustained an exemplary growth momentum despite the difficult operating environment. We aim to continue on this same trajectory in 2026,” said Mr. Daniel Sang, the Sacco Chairman.
Mr. Sang noted that the Sacco grew member deposits and savings by 11% to over Ksh 4 billion, while loans and advances to members increased by 8%. He attributed this resilience to strong governance and the unwavering support of the membership.
The Sacco CEO, Mr. Gilbert Bett, highlighted the Sacco’s commitment to modernizing its operations. “We continued to prioritize innovation and convenience by enhancing our digital platforms, streamlining loan processing, and strengthening customer service channels. These initiatives have reduced turnaround times and improved accessibility, ensuring high levels of member satisfaction,” he said.
Beyond financial services, the Sacco remains active in Corporate Social Responsibility, supporting community initiatives in education, environmental conservation, and social development. The Sacco offers a scholarship to bright and needy students
“We will continue to focus on innovation, product diversification, and operational efficiency. Our priorities include expanding digital services, strengthening capital adequacy, and introducing tailored financial solutions to meet the evolving needs of our members,” said Mr. Bett, reaffirming the Sacco’s strategic focus.
Vision
Transformation for Prosperity
Mission
To facilitate the mobilization of savings and provision of cost effective and non-financial products and services to our members/customers in Kenya and beyond.
