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Large Saccos accounted for 76.01% of total deposit accounts and 79.16% of total deposit balances, underscoring their dominance in the regulated sector.
Most deposit accounts held by regulated savings and credit cooperative societies had balances below KSh 50,000 in 2025, highlighting the importance of SACCOs in mobilizing small savings, according to the Sacco Societies Regulatory Authority (SASRA).
The Sacco Supervision Annual Report 2025 shows that 16.86 million deposit accounts, representing 89.03% of all accounts, held a combined KSh 44.61 billion in savings.
In contrast, accounts with balances exceeding KSh 1 million held KSh 319.66 billion, accounting for 38.38% of total Sacco deposits. The figures highlight the concentration of deposits among a relatively small proportion of high-balance accounts, despite the dominance of low-balance accounts by number.
Large Saccos accounted for 76.01% of total deposit accounts and 79.16% of total deposit balances, underscoring their dominance in the regulated sector.
Within the deposit category above KSh 1 million, mid-tier Saccos increased their share of deposit accounts from 16.75% in 2024 to 17.79% in 2025. Their share of deposit balances also edged up from 14.8% to 14.91%.
Smaller Saccos, however, lost ground in the KSh 100,000-to-KSh 300,000 deposit category. Their share of accounts in this range declined from 10.73% in 2024 to 8.29% in 2025, while their share of deposit balances fell from 10.45% to 8.25%.
The report also shows that the total number of deposit accounts held by regulated Saccos rose to 18.95 million in 2025 from 16.05 million in 2024.
With regulated Sacco membership standing at 7.87 million in 2025, the figures suggest that members maintain multiple deposit accounts. This is consistent with the Sacco model, in which members may hold non-withdrawable deposits through the back-office service activity (BOSA) while maintaining withdrawable accounts through the front-office service activity (FOSA), particularly in deposit-taking SACCOs.
