Tower Sacco's "Golden Jubilee" Performance (2025/2026 Results)

Tower SACCO didn't just meet expectations for their 50th year; they shattered them. Their financial report as of December 31, 2025, shows explosive growth that places them among Kenya's top five deposit-taking SACCOs.

Key Financial Benchmarks

The Payout Breakdown

• Dividends on Share Capital: 20% (Totaling Ksh 327 Million)

• Rebates on Deposits: 13% (Totaling Ksh 2.56 Billion)

2. Strategic Expansion: Beyond Nyandarua

Historically known as a Nyandarua-based teachers' SACCO, Tower has aggressively expanded its footprint to become a national brand.

• New Territory: The 2026 report attributes much of the 29% membership surge to new branches in Thika, Nyeri, and Mwisho wa Lami.

• The 2030 Vision: The board has set a massive target to reach an asset base of Ksh 80 Billion by 2030, with a mid-term milestone of Ksh 30 Billion already surpassed in early 2026.

3. The "Tech Engine": Digital Mastery

One of the most revealing stats from their 2026 AGM was how members interact with the society.

• 97% of all deposit transactions are now made through digital platforms (Mobile banking, USSD, and Paybill).

• 83% of all cash withdrawals happen digitally, leaving only a tiny fraction for over-the-counter banking.

• Impact on Dividends: This digital shift is why Tower can afford 20% dividends. By automating 90%+ of their transactions, they’ve kept operational costs low and surplus high (Ksh 1.29 Billion surplus before tax in 2025).

4. Unique Loan Products for 2026

Tower SACCO has tailored its products to be more aggressive than traditional bank offerings.

• Salary Loans: They offer multipliers of up to 6 times your savings, with tenures as long as 96 months (8 years).

• Buy-Off Loans: In 2026, they are aggressively targeting bank customers by "buying off" expensive bank loans (up to Ksh 3.5 Million) and consolidating them into cheaper SACCO credit.

• Youth & Diaspora: They have recently introduced specific "Diaspora Banking" and "Junior Accounts" to capture the next generation of savers.

5. Why Tower SACCO Shares are High-Demand on Saccoshares

Because Tower's share capital only grew by 5% (compared to 25% deposit growth), the society is "under-capitalized" relative to its size.

• The Scarcity Factor: With dividends at 20%, existing members are rarely willing to sell.

• The Buyer's Perspective: For an investor on Saccoshares, acquiring Tower shares is like buying a "perpetual bond" that pays 20% annually—far higher than any current Treasury Bill or Fixed Deposit in Kenya.