Ushuru Savings and Credit Co-operative Society Limited
Financial year end
Member returns
Returns on shares and deposits are different distributions and are shown separately.
Dividend on shares
15%
Annual return on share capital
Interest on deposits
10.4%
Return paid on member deposits
Income & profitability
How much the SACCO earned and retained during the year.
Total revenue
KES 1B
Interest income
KES 884.1M
Surplus before tax
KES 213.2M
Net surplus after tax
KES 182.6M
Size & funding
The institution's asset base and the member funds supporting it.
Total assets
KES 8.7B
Member deposits
KES 6.4B
Share capital
KES 378.1M
Lending
Member lending reported net of expected-credit-loss or impairment allowances.
Net loans
KES 6B
Membership
Member counts preserve the source's own definitions instead of treating total, active and dormant members as interchangeable.
Members
10,454
Active members
10,378
Dormant members
76
Capital adequacy
Permanent capital available to absorb losses, assessed only against the confirmed regulatory regime.
Core capital
KES 1.1B
Core capital / total assets
12.5%
Core capital / deposits
16.9%
Liquidity
The disclosed capacity to meet withdrawals and short-term obligations.
Liquidity ratio
29%
No regulatory pass/fail badges are shown until the applicable regime is confirmed.
Loan quality
The reviewed NPL ratio and available ECL allowance are shown without a universal pass/fail cutoff.
NPL / delinquency ratio
0.44%
Audit & assurance
Who audited the statements and the conclusion they reached.
Audit opinion
Not published
Auditor
Forvis Mazars LLP