The purpose of the study was to investigate the factors influencing non-performing loans in registered savings and credit co-operative societies in Kenya: A case study of Trans Elite County SACCO in Nandi County. The study sought to achieve the following research objective to determine the influence of members’ personal characteristics on non-performing loans. The study was guided by asymmetry theory. Research study employed descriptive research design. The target population was 5214 members. The study utilised stratified random sampling design. The researcher randomly sampled 10% of the target population for the study from the SACCO members. The research instrument for this study were structured questionnaires developed by the researcher which included close ended questions giving scales that refer to questions that ask respondents to rank their answers at a particular point on a scale. The questionnaires were piloted in similar SACCO outside the county of study before the actual research to determine their reliability. The validity was determined by giving the questionnaires to the supervisors and research experts to vet the items used in the questionnaires. Data collected for this study was analysed by use of descriptive analysis techniques for which Statistical Package for Social Sciences (SPSS Version 22) was used to analyse data to generate reports in form of frequencies and percentages. The researcher utilized multiple linear regression model to establish the relationship between the dependent variable and the independent variables and Pearson’s Product Moment Correlation Coefficient was used to establish the strengths between the variables. The findings is presented using tables and percentages arising from the analysis. The findings of the research study is of use to the SACCOs in efforts to deal with non-performing loans. The study also provide insights to policy makers in SASRA and in Central Bank of Kenya. The study further contributed to the existing body of knowledge regarding non-performing loans and motivate further research in other areas which were not covered under this study.