Nation DT Sacco has delivered a resilient financial performance for the year ended 2025, growing its asset base to KSh4.7 billion while simultaneously strengthening governance, risk management and strategic investments to secure long-term sustainability.
Speaking during the 2026 Annual General Meeting, Chairman Paul Muimi Munyao described 2025 as a year that tested confidence across households and institutions alike, marked by rising costs of living, tightening monetary conditions and constrained liquidity.
“Trust could not be assumed; it had to be earned and protected through action,” he told members, noting that every decision taken by the Board and Management was guided by the need to safeguard members’ savings while securing the Sacco’s future.
Strong Financial Performance.
Total assets grew by 16 per cent from KSh4.0 billion to KSh4.7 billion, reflecting improved balance-sheet strength and institutional resilience. The Sacco’s loan book expanded by 30 per cent to KSh3.56 billion, supporting members in home ownership, education, enterprise development and other income-generating ventures.
Members’ deposits rose by 16 per cent to KSh3.393 billion, underscoring sustained confidence in the Sacco’s governance and financial stewardship even amid economic headwinds.
Returns to members increased to KSh269 million, enabling the Board to recommend 18 per cent dividends on investment shares and 10 per cent interest on deposits. The Sacco retained adequate capital to meet regulatory thresholds and support future expansion.
In line with its lifecycle-focused product strategy, the Sacco introduced Golden Nest, a structured savings platform designed to provide secure and predictable savings options for members.
Governance Evolution and Regulatory Compliance.
Beyond financial growth, governance reforms featured prominently in the AGM deliberations. Following a June 2025 directive from the Ministry of Co-operative Development requiring Saccos with over 5,000 members to adopt a delegate system, Nation DT Sacco has initiated steps toward compliance.
The proposed model will see representation shift to between 150 and 500 elected delegates, with by-law amendments and enhanced communication mechanisms to ensure inclusivity and transparency.
The Supervisory Committee has recommended development of a compliance roadmap, intensified member sensitisation and convening of a Special AGM to approve the transition. The governance evolution is expected to enhance representation, streamline decision-making and strengthen oversight structures.
The Sacco reaffirmed its commitment to strict adherence to regulations set by the Sacco Societies Regulatory Authority and cooperative best practices.
Technology, Risk and Institutional Strengthening.
Recognising the rapidly evolving digital landscape, the Sacco is deepening investments in technology and risk management. Plans are underway to migrate its data centre to its offices to enhance system reliability, data security and service responsiveness.
The Supervisory Committee underscored the importance of proactively managing IT and cybersecurity risks, as well as strengthening due diligence processes in managing third-party service providers to protect the institution from financial and reputational exposure.
Additionally, a comprehensive organisational and human resource audit is underway to align structure, skills and capacity with the Sacco’s growth ambitions.
Strategic Growth and Member Engagement.
Looking ahead, Nation DT Sacco projects revenue growth of 24 per cent, driven by increased loan uptake, optimisation of loan fees and moderate investment growth.
Personnel expenses are expected to rise following implementation of HR review recommendations and recruitment to accelerate expansion. Marketing investments will sustain sales initiatives, deepen penetration into the SME segment and support a membership drive targeting 3,000 new members under the 2025–2027 Strategic Plan.
With the recruitment of a full-time marketing manager, member education and engagement forums are set to increase to quarterly or monthly sessions, reinforcing cooperative principles and enhancing product awareness.
Chairman Munyao described the 2025 performance as a shared achievement anchored on discipline, trust and responsible leadership.
“As we transition into the next phase of our governance and growth journey, we remain united in purpose. Nation DT Sacco is not merely growing — it is maturing, strengthening and positioning itself to serve generations to come,” he said.
The 2026 AGM may mark the last under the traditional structure as the Sacco prepares to transition to an Annual Delegates Meeting model, signaling a new chapter in its governance evolution and commitment to sustainable, member-centric growth.
