Stima DT Sacco has reported steady earnings growth for 2025 as assets rose by Ksh 8.87bn to KSh 75.38Billion, placing the cooperative just behind Mwalimu National DT Sacco’s KSh 76.3Billion balance sheet.
- •The Sacco generated profit after tax of KSh 2.22Billion, up from KSh 2.16Billion a year earlier, supported by higher loan income, strong investment returns, and continued growth in member deposits.
- •Stima ranks among the sector’s largest institutions by both income and balance sheet scale, with total income exceeding KSh 10 Bn and a loan book of more than KSh 52 Bn.
- •Membership has expanded to more than 200,000 members, driving deposit mobilization and loan demand.
FY2025 Key Financial Metrics:
| Metric | 2025 | 2024 | Change |
|---|---|---|---|
| Profit After Tax | 2.22 Bn | 2.16 Bn | +2.5% |
| Profit Before Tax | 2.44 Bn | 2.37 Bn | +2.7% |
| Net Interest Income | 3.52 Bn | 3.49 Bn | +0.7% |
| Investment Income | 1.96 Bn | 1.82 Bn | +7.9% |
| Loans to Members | 52.50 Bn | 50.24 Bn | +4.5% |
| Member Deposits | 52.19 Bn | 46.69 Bn | +11.8% |
| Expected Credit Loss | 476 Mn | 320 Mn | +48.8% |
| Total Assets | 75.38 Bn | 66.51 Bn | +13.3% |
Deposits are still outpacing loan growth, strengthening liquidity and reinforcing the Sacco’s member funded balance sheet model. Loans to members reached KSh 52.5 Bn while deposits grew to KSh 52.19 Bn.
Income remained largely driven by lending. Loan interest income accounted for the majority of revenue while investment income rose to KSh 1.96 Bn as the Sacco increased allocations to government securities and other financial investments.
Credit Costs Rise as Sacco Diversifies Revenue
Operating costs increased alongside balance sheet expansion. Expected credit losses rose to KSh 476 Mn from KSh 320 Mn, pushing the loan delinquency ratio to 6.7% from 5.45% a year earlier.
Despite higher provisions, capital and liquidity buffers remained strong, with core capital well above regulatory thresholds and liquidity significantly above the statutory minimum.
The Sacco launched Mpawa Insurance Brokerage, converting its earlier insurance agency into a fully licensed brokerage subsidiary aimed at diversifying revenue streams and strengthening member financial services.
In recent payouts, the Sacco distributed roughly KSh 4Billion to members through dividends on share capital and interest rebates on deposits.
With assets approaching KSh 80Billion and deposits continuing to grow, Stima is consolidating its position as one of the most influential financial cooperatives in Kenya’s rapidly expanding Sacco sector.
