General Fund · Operating figures only (excl. designated)
Week of November 4, 2026 Data through November 1, 2026
Last Week's Giving
$33,574
Week of Oct 26–Nov 1 · QBO 4100
November Giving
$16,836
Month to date (through November 1, 2026)
YTD Giving
$1,268,700
Jan–November · sum of 4100
YTD Operating Income
$1,339,612
Jan–November · total operating revenue
YTD Operating Expense
$1,525,442
Jan–November · total operating expense
Key Insights & Watch Items
StrengthWatchConcern
Giving behind budgetConcern
Average weekly giving is $28,834 vs the $34,900/week budget (only 83% of pace) — about -$6,066/week behind. YTD giving $1,268,700 trails the $1,535,600 budgeted pace by $266,900.
Expenses outpacing givingConcern
Operating expenses are up ~17% vs 2025 (Jan–Oct) while giving is only up ~4% — the widening gap is driving the operating shortfall.
Personnel above growth ceilingConcern
Personnel annualizes to ~60% of budget — above the 60% ceiling set for the growth season (steady-state guideline is 45–55%). Even staffing ahead of growth, this is a structural pressure; watch that giving follows and reserves can fund the gap.
The three most important items this week, ranked by urgency; the rest appear within their own sections below. Internal trend analysis from QBO, Planning Center & Ramp through November 1, 2026. Benchmarks (personnel 45–55%, facilities 15–25%, 1–3 months cash) are general guidelines — confirm major decisions with your CPA or finance committee.
YTD Giving vs Budget
YTD Actual Giving
$1,268,700
YTD Budget (44 wks)
$1,535,600
Variance
-$266,900
% of YTD Budget
83%
Giving vs Annual
$1,268,700 · 69%
Expense vs Annual
$1,525,442 · 83%
Monthly Giving — 2026 vs Prior Years
Giving Jan–Oct is up ~4% vs 2025; November shown partial (through November 1, 2026).
Giving Health
Committed Households
293
Gave >$200 to 4100 · trailing 12 mo
Participation
59%
293 of 500 committed households
Donors / Attendance
36%
367 donors / 1,013 attendance · rolling 12 mo · goal 35–45%
New Donors to 4100
62
This year
New Donors This Week
1
First-time givers, last 7 days
Giving participation inside the benchmarkStrength
367 of 1,013 average weekly attenders gave over the rolling 12 months to November 1, 2026 — 36%, inside the 35–45% goal. Published peer research puts consistent givers near 20–27% of attenders, so MCC sits well above peer median. This is a rolling 12-month reading (Nov 2025 – Nov 2026), so it is a full year of giving and compares like-for-like with the closed calendar years — no partial-year caveat. It replaces the old calendar-year-to-date donor count, which understated participation whenever the dashboard ran mid-year. Versus 2025 (33%) the ratio is up 3 pts.
New givers this weekStrength
1 first-time giver(s) in the last 7 days; 62 new donors to 4100 year-to-date.
Committed households counts each giving household once, not each individual donor record. Readings before August 12, 2026 were on an individual basis and ran higher (currently 329 individuals) — the step down is the change in definition, not a drop in giving. Participation now compares households to households.
Giving Participation vs Attendance — 5-Year Trend
Year
Avg Attendance
Unique Donors
% of Attendance
vs 35% Floor
2022
780
342
44%
+9 pts
2023
927
350
38%
+3 pts
2024
978
371
38%
+3 pts
2025
1,025
341
33%
-2 pts
Rolling 12 mo
Nov 2025 – Nov 2026
1,013
367
36%
+1 pt
Unique donors as a share of average weekly in-person attendance — the participation measure published peer research uses, so it is externally benchmarkable (the committed-household figure above is not). Goal band 35–45%, recalibrated September 2026 from the former 40–60%: peer studies put consistent givers near 20–27% of attenders, and MCC's own 2022–2024 range was 38–44%, so 35% recovers recent history while staying above peer median and 45% beats MCC's best year. The current reading is a rolling 12-month window (Nov 2025 – Nov 2026), computed directly from Planning Center Giving — a full year of giving, so it compares like-for-like with the closed calendar years and is judged against the goal. It replaces the calendar-year-to-date donor count previously shown here, which understated participation on any mid-year run. Closed years 2022–2025 come from the warehouse KPM series, so a small definitional difference between the two sources is possible; the rolling figure is the one to trust going forward. Note this measure counts individual donors giving any amount, which is a different population from the committed-household count above (households giving more than $200) — the two will never match. Attendance from the MCC Data Warehouse (same series as the vitals dashboard).
Donor Retention
Retained
231
Committed households, both 12-mo windows
Lapsed
47
Committed prior, not now
Newly Committed
62
New committed households this window
Retention Rate
83.1%
of 278 prior committed households
Committed base holdingStrength
Retention is 83.1% (231 of 278 prior committed households), with 62 newly committed vs 47 lapsed — a net change of +15.
Retention in the healthy rangeBenchmark
For a church our size, a healthy band for committed-household retention runs about 70–80%+. The broader nonprofit sector averages ~69% repeat-donor retention, and congregations typically run higher given recurring, rhythm-based giving. MCC's 83.1% sits inside that healthy range; sustained readings below ~65% would be the line to watch.
Committed household = a household that gave >$200 cumulatively to Tithe/Offering (trailing 12 mo). Rolling 12 months vs. the prior 12; net committed change 15. Live from Planning Center Giving.
Operating Income vs Expense
YTD Operating Income
$1,339,612
YTD Operating Expense
$1,525,442
Operating Surplus / (Deficit)
-$185,830
Expense-to-Income
114%
Income vs Annual
$1,339,612 · 73%
Expense vs Annual
$1,525,442 · 83%
Operating deficit year-to-dateWatch
Year-to-date (Jan–November, November partial through November 1, 2026), operating expense of $1,525,442 exceeds income of $1,339,612 — a deficit of $185,830. Income sits at 73% of the annual plan with 85% of the year elapsed, so receipts are trailing the spending pace.
Operating income = total operating revenue (4000s); operating expense = total expenditures (5000–6000s). Excludes designated/restricted funds and loan service. Year pace marker shows 44 of 52 weeks elapsed.
Operating Income Comparison
Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Total
2022
$87,163
$95,988
$109,900
$150,004
$113,555
$110,814
$95,557
$87,095
$118,557
$104,098
$107,596
$1,180,327
2023
$64,824
$89,895
$119,128
$130,114
$90,236
$125,297
$138,285
$105,685
$167,928
$128,029
$112,626
$1,272,047
2024
$76,299
$86,725
$138,867
$114,826
$97,422
$121,975
$111,852
$101,834
$129,043
$97,945
$99,601
$1,176,389
2025
$65,693
$97,362
$161,385
$130,448
$132,355
$132,973
$100,146
$145,551
$117,019
$123,389
$123,635
$1,329,956
2026
$107,451
$108,715
$129,496
$178,530
$124,018
$144,174
$128,884
$132,269
$136,114
$131,218
$18,743
$1,339,612
2022–2025 from PowerChurch; 2026 from QuickBooks Online. November 2026 is partial (through November 1, 2026).
YTD Operating Expense vs Budget
YTD Actual Expense
$1,525,442
YTD Budget (44 wks)
$1,556,754
Variance
-$31,312
% of YTD Budget
98%
Expense vs YTD Budget
$1,525,442 · 98%
Expense vs Annual
$1,525,442 · 83%
Spending is running $31,312 under budget at week 44. YTD budget prorates the $1,839,800 annual plan straight-line across 44 of 52 weeks; the marker on the first bar is that 100% YTD target. Unlike the giving section, spending below budget is favourable. Straight-line proration assumes an even spend pace — irregular items (insurance, capital work, seasonal ministry) can shift a month without signalling a trend, and November is partial through November 1, 2026.
Operating Expense — 2026 vs Prior Years
Operating expenses Jan–Oct are up ~17% vs 2025; November shown partial (through November 1, 2026).
Facilities in healthy rangeStrength
Facilities annualize to ~17% of budget — squarely inside the 15–25% guideline.
Operating Expense Comparison
Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Total
2022
$94,382
$100,727
$141,604
$97,031
$111,113
$157,223
$94,621
$108,767
$128,289
$96,490
$139,379
$1,269,626
2023
$100,898
$112,560
$110,885
$112,667
$145,223
$94,965
$122,961
$99,505
$103,231
$104,863
$137,802
$1,245,560
2024
$102,264
$118,014
$91,828
$96,847
$134,588
$121,862
$96,511
$100,754
$102,729
$147,714
$104,708
$1,217,819
2025
$121,234
$119,485
$120,650
$142,802
$124,219
$149,949
$112,898
$128,108
$120,214
$160,439
$129,052
$1,429,050
2026
$147,212
$152,828
$153,450
$189,918
$147,390
$142,460
$170,444
$131,663
$128,360
$161,735
-$18
$1,525,442
2022–2025 from PowerChurch; 2026 from QuickBooks Online. November 2026 is partial (through November 1, 2026).
Bank Balance
Total Bank Balance
$727,891
All accounts · as of November 1, 2026
Designated / Restricted
$582,582
Fund balances $399,349 + campaign loan cash $183,233
Unrestricted
$145,309
Net assets: 3900 Unrestricted $446,327 + YTD net revenue -$301,018
Unrestricted net assets are $145,309 — under one month of the $153,317 monthly budget (0.9 mo). Designated / restricted includes ~$183,233 of campaign loan cash the Capital Campaign fund deficit doesn’t yet absorb — borrowed, not reserve.
Total bank and fund balances live from the QuickBooks balance sheet; Designated / Restricted + Unrestricted = Total Bank. Unrestricted is unrestricted net assets — 3900 Net Unrestricted Funds plus year-to-date Net Revenue, i.e. total equity less every designated and self-restricted fund. Designated / Restricted is the rest of the bank: positive fund balances ($399,349) plus ~$183,233 of First State loan proceeds not yet absorbed by the Capital Campaign fund deficit (net of small payables). That cash is borrowed for the campaign, not reserve. Reserve months = unrestricted ÷ monthly budget ($1,839,800 annual ÷ 12).
Campaign Loan — First State Bank
Loan Balance
$1,435,397
QBO 2100 First State Loan · as of November 1, 2026
Interest Rate
6.67%
Fixed
Monthly Payment
$12,830.83
Principal + interest
Monthly Principal
$4,806.51
Reduces balance
Monthly Interest
$8,024.32
Cost of debt
Balance live from QuickBooks (2100 First State Loan); rate, payment, principal & interest from the ONE Campaign Loan Info sheet. Loan service is a designated/capital obligation, separate from the operating figures above.
Ramp Activity
Card Spend · November MTD
$5,673
23 transactions
Card Spend · Past 7 Days
$7,643
42 transactions
Bill Pay Paid · November MTD
$2,350
3 bills paid
Bill Pay Outstanding
$6,320
9 open bills
Card Transactions over $500 · Past 7 Days
Date
Merchant
Cardholder
Memo
Amount
11/01
Church Finance
Aaron Cunningham
AC - Outsourced accounting subscription
$1,780.00
11/03
Grass Guru
Aaron Cunningham
Lawncare
$930.00
10/29
Subsplash
Aaron Cunningham
AC - Subsplash subscription
$561.39
Bills Paid · Past 7 Days
Paid
Vendor
Description
Amount
11/03
Tanya Wieland
Counseling services statement
$450.00
11/02
Missionary Ventures
Josh and Jennifer Hire Support
$1,100.00
11/02
Glendon and Lorna Bender
Missionary support
$800.00
10/30
Clayton Nisly
—
$800.00
10/30
Best Sweeping Specialist
Sweeping services for full sweep and fire lane
$296.00
10/29
Students International
Eric Miller missionary support
$800.00
10/29
Wycliffe Bible Translators
Rick/Susan Nivens Support
$800.00
10/28
Mission Aviation Fellowship
Dan and Stephanie Kramer support
$800.00
Live from Ramp · card spend (all cardholders, incl. pending) and Bill Pay / accounts payable. Card spend posts to QBO Ramp Card & expense accounts.
