Umwalimu SACCO posted a significant rise in profitability in 2025, with earnings increasing to Rwf23.5 billion from Rwf15.5 billion the previous year, driven by strong loan performance and expanded digital services. Net profit stood at Rwf17.1 billion after tax.
The results were presented at the cooperative’s 32nd General Assembly in Kigali, bringing together leadership and member representatives from across the country.
Management attributed the growth to improved service delivery, cost efficiency, and the adoption of digital platforms, which have streamlined operations and reduced expenses.
Loan disbursements reached Rwf248 billion in 2025, with asset quality improving as the non-performing loan ratio declined to 0.9% from 1.03% a year earlier.
Savings mobilization also strengthened, rising to Rwf89.6 billion from Rwf73.9 billion in 2024, reflecting growing member confidence. Total assets expanded to Rwf292.9 billion, up from Rwf239.8 billion.
With membership exceeding 160,000, the teachers’ cooperative continues to play a key role in advancing financial inclusion within the education sector. Members are encouraged to save at least 5% of their monthly salaries, earning an annual return of 5%.
The General Assembly approved the retention of 50% of the 2025 profit to reinforce capital and sustain future growth, as the cooperative moves to further scale up digital financial services.
