Most deposit accounts held by regulated savings and credit cooperative societies (SACCOs) had balances below KSh 50,000 in 2025, accounting for 89.03% of all deposit accounts, according to the Sacco Societies Regulatory Authority (SASRA).

The 16.86 million accounts held a combined KSh 44.61 billion, highlighting the prevalence of low-balance accounts across the regulated SACCO sector.

In contrast, accounts holding more than KSh 1 million contained KSh 319.66 billion, representing 38.38% of total SACCO deposits.

Large SACCOs controlled 76.01% of all deposit accounts and 79.16% of total deposit balances, underscoring their dominance in the sector.

The SASRA report also shows that, 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 amounts rose marginally from 14.8% to 14.91% over the same period.

In the KSh 100,000 to KSh 300,000 deposit bracket, smaller-tier SACCOs saw their share of deposit accounts decline from 10.73% in 2024 to 8.29% in 2025. Their share of deposit amounts also fell from 10.44% to 8.25%.

SASRA data shows that the total number of deposit accounts held by regulated SACCOs increased to 18.95 million in 2025, up from 16.05 million in 2024.

With total membership standing at 7.87 million in 2025, the figures suggest that members may hold multiple deposit accounts. This is consistent with the SACCO model, under which members may maintain non-withdrawable deposit accounts through the back-office service activity (BOSA) while also operating withdrawable accounts through the front-office service activity (FOSA), particularly in deposit-taking SACCOs.