Executive · Real-time

Command Centre

A live 360° view of Umoja Teachers SACCO — members, deposits, loans, risk, fraud and collections.

Members

18,742

+4.2%vs last month

Total Savings

KES 3.24B

+6.1%MoM

Share Capital

KES 812M

+2.4%

Loan Book

KES 1.10B

+3.8%

M-Pesa (7d)

KES 104.9M

+11.2%

Fraud Alerts

-15%open

New Members / mo

452

+8.1%

Deposits Today

KES 41.82M

+3.1%

Pending Applications

KES 41.2M requested

Approved Today

KES 8.6M disbursed

Arrears (PAR)

7.4%

-0.6%30-day PAR

NPL Ratio

3.7%

+0.3%SASRA <5% ✓

Portfolio & deposits trend

Loans book vs member deposits (KES M)

Loan products mix

Outstanding book by product

Loan portfolio health

Performing · Arrears · NPL (KES M)

Arrears aging

Portfolio-at-risk buckets (KES M)

M-Pesa 7-day flow

Inflow vs outflow (KES M)

Branch performance

Deposits, loan book and arrears rate by branch

Ranked

Branch	Deposits (M)	Loans (M)	Arrears
Nairobi HQ	412.0	358.0	3.1%
Nakuru	218.0	194.0	4.4%
Eldoret	186.0	172.0	5.2%
Kisumu	164.0	148.0	4.9%
Mombasa	142.0	122.0	6.7%
Nyeri	113.0	98.0	3.8%

AI executive insights

Arrears trending up in Development Loans
Arrears increased by 12% this month, mainly from Development Loans at the Mombasa branch.
Nairobi HQ leads deposit growth
Nairobi HQ posted +18% deposit growth week-over-week, driven by teacher payroll cycle.
23 members need credit review
SaccoScore AI flagged 23 members whose scores dropped below 650 in the last 30 days.
Mule account behaviour detected
7 accounts show possible mule-account behaviour; recommend FraudShield review before next disbursement batch.

Collections funnel

Book split by delinquency (KES M)

Current1024M · 87.8%
1–30 dpd62M · 5.3%
31–60 dpd28M · 2.4%
61–90 dpd14M · 1.2%
90+ dpd38M · 3.3%

Latest FraudShield™ alerts

Highest risk in last 24h

6 open

FS-01988Critical Risk
Mule Account Pattern
Anthony Mwangi Kimani
FS-01987Critical Risk
Fake Loan Offer Scam
Unknown / UT-091822
FS-01986High Risk
Guarantor Ring
James Mutua Nzioka
FS-01985High Risk
Duplicate Collateral
Kevin Otieno

Audit timeline

Recent sensitive actions

Today · 10:42
Approved loan LN-2026-004824 (KES 200,000)
by J. Mwangi (CEO)
Today · 09:58
Submitted loan LN-2026-004829 to committee
by S. Kariuki (Credit Officer)
Today · 09:12
Auto-flagged member UT-091822 — Fake Loan Offer Scam
by FraudShield™
Yesterday · 16:31
Posted deposit KES 42,000 to UT-084525
by L. Achieng (Teller)
Yesterday · 15:04
SaccoScore AI recalculated for 214 members
by System

Portfolio risk heatmap

30-day arrears rate by branch × loan product

PAR

Branch \ Product	Development	Emergency	School Fees	Salary Advance	Asset Finance	Logbook	Business/SME
Nairobi HQ	2.1%	3.8%	2.4%	1.9%	3.2%	5.1%	4.0%
Nakuru	3.6%	4.9%	3.1%	2.4%	4.5%	6.2%	5.1%
Eldoret	4.4%	5.6%	3.8%	3.0%	5.2%	7.4%	6.0%
Kisumu	4.1%	5.2%	3.5%	2.8%	4.9%	7.0%	5.7%
Mombasa	5.9%	7.1%	5.0%	4.1%	6.6%	9.2%	7.4%
Nyeri	3.0%	4.4%	2.8%	2.2%	4.0%	5.8%	4.6%

10%+

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