Stima DT Sacco recorded steady financial growth in 2025, with total assets rising by Kshs 8.9 billion to Kshs 75.4 bn, positioning the cooperative just behind Mwalimu National DT Sacco, whose balance sheet stands at Kshs 76.3 bn.
The Sacco reported profit after tax of Kshs 2.2 bn, up from Kshs 2.2 bn in 2024. The improvement was supported by stronger loan income, higher returns from investments, and continued expansion in member deposits.
Stima remains among the sector’s largest institutions in both income and balance sheet size. Total income exceeded Kshs 10.0 bn, while the Sacco’s loan book expanded to more than Kshs 52.0 bn.
Membership has also continued to grow, surpassing 200,000 members, a trend that has supported stronger deposit mobilisation and sustained demand for loans.
FY2025 Key Financial Metrics:
| Metric (Kshs) | 2025 | 2024 | Change |
| Profit After Tax | 2.2 Bn | 2.2 Bn | +2.5% |
| Profit Before Tax | 2.4 Bn | 2.4 Bn | +2.7% |
| Net Interest Income | 3.5 Bn | 3.5 Bn | +0.7% |
| Investment Income | 2.0 Bn | 1.8 Bn | +7.9% |
| Loans to Members | 52.5 Bn | 50.2 Bn | +4.5% |
| Member Deposits | 52.2 Bn | 46.7 Bn | +11.8% |
| Expected Credit Loss | 476.0 Mn | 320.0 Mn | +48.8% |
| Total Assets | 75.4 Bn | 66.5 Bn | +13.3% |
Deposits continued to grow faster than lending, strengthening the Sacco’s liquidity position and reinforcing its member-funded balance sheet model. Loans to members increased to Kshs 52.5 bn, while deposits rose to Kshs 52.2 bn.
Lending remained the main source of income, with loan interest accounting for the bulk of revenue. Meanwhile, investment income climbed to Kshs 2.0 bn, reflecting increased allocations to government securities and other financial assets.
Operating expenses rose in tandem with balance sheet growth. Expected credit losses increased to Kshs 476.0 mn from Kshs 320.0 mn, pushing the loan delinquency ratio up to 6.7% from 5.5% the previous year.
Despite the higher provisions, the Sacco maintained solid capital and liquidity buffers, with core capital comfortably above regulatory requirements and liquidity levels well above statutory minimums.
To broaden its revenue base, the Sacco launched Mpawa Insurance Brokerage, upgrading its previous insurance agency into a fully licensed brokerage subsidiary aimed at enhancing member financial services while generating additional income streams.
In its most recent distribution, the cooperative returned roughly Kshs 4.0 bn to members through dividends on share capital and interest rebates on deposits.
With assets approaching Kshs 80.0 billion and deposits continuing to expand, Stima DT Sacco is strengthening its position as one of Kenya’s most influential financial cooperatives within the rapidly growing Sacco sector.
