ABC Church

Financial Analytics
Apr 2025 – Mar 2026 · 12-Month Rolling ● Report Live

Monthly Analytics Report

Generated March 30, 2026 · Prepared by TurnkeyCFO · Confidential

Exec Summary

CFO Overview — March 2026

📈 Giving Trajectory

ABC Church closed March 2026 with $74,320 in total donations, an 18.4% increase over February and the strongest month on record. After a brief September trough, total monthly giving has grown nearly 7× since April 2025 — driven by a surge in external partner support and a maturing recurring base of 108 active donors.

🔁 Recurring Health

Recurring giving reached $41,500 in March, representing 55.8% of total giving — a healthy predictability ratio. March saw a slight dip from February's $45,800 peak, driven by $8,204 in lost recurring giving from 12 churned donors. Existing givers who increased their gift added back $1,480, which partially offsets it, but this warrants watching into Q2.

⚠️ Risks & Priorities

Donor churn has been consistent at 9–18 lost donors per month all year. March added 35 new donors — second-highest ever — but retention must improve for sustainable growth. The General Fund captures ~70% of all giving. Leadership should consider intentional campaigns around the Building and Missions funds, which remain underpenetrated relative to total growth.

Key Performance Indicators — March 2026
Total Donations (MTD)
$74,320
↑ 18.4% vs Feb
12-mo high: $74,320 (Mar)
Avg Gift Per Donor
$688
↑ 12.1% vs prior
All-time high: $712 (Feb '26)
Recurring giving
$41,500
↓ Slight dip from Feb
55.8% of total giving
Donors Lost (MTD)
-12
$8,204/mo at risk
108 total active donors
Giving Overview
Monthly Total Donations
Bar = Total Giving · Line = Recurring giving · Apr 2025 – Mar 2026
Average Gift Per Donor / Month
Average donation amount across all active donors
New vs. Lost Donors
Monthly acquisition and churn by donor count
Fund Allocation & Donor Source
Gift by Fund
General Fund · Missions · Building · Community
Internal Tithes vs. External Partners
Church member giving vs. outside donor support
Recurring vs. One-Time Giving
Recurring vs. One-Time — Dollar Amount
Monthly stacked donation type by dollar value
Recurring vs. One-Time — Donor Count
Number of recurring vs. one-time donors per month
Donor Health
Active Donor Count — Monthly
Total unique donors who gave in each calendar month
Full 12-Month Summary
Monthly Detail Table
All figures in USD · Recurring giving is the portion arriving on a standing schedule

MonthTotal GivingRecurring Giving % RecurringNew GiversLapsed Givers Active DonorsAvg Gift
Financial PositionSource: QuickBooks Online
Total Revenue (12‑MO)
$409,710
↑ Contributions 95.2% of revenue
Incl. $19,800 facility use, events & interest
Total Expenses (12‑MO)
$357,700
Personnel 52.0% of spend
March run rate: $45,800
Net Surplus (12‑MO)
$52,010
↑ 12.7% margin
March alone: +$31,120
Operating Reserve
1.7 mo
↓ Below 3-month benchmark
$51,700 unrestricted vs $29,808 avg burn
Income vs. Expenses — Monthly
Bars = revenue and expense · Line = net surplus or deficit
Where the Money Goes
12-month expense mix by category
Budget vs. Actual — March 2026
Green is what you spent, grey is what you planned. Short of the grey is money kept.
Statement of ActivitiesSource: QuickBooks Online
Profit & Loss — March 2026
Accrual basis · Actual vs. approved budget, with 12-month running totals

Line itemMarch actualMarch budget Variance12-month actual% of total
Restricted contributions are reported in the fund they were designated to and are not available for general operating use.
Balance Sheet — March 31, 2026Source: QuickBooks Online

Assets

Operating checking$96,200
Savings / reserve$22,200
Prepaid expenses$3,200
Equipment, net of depreciation$24,800
Total assets$146,400

Liabilities & Net Assets

Accounts payable$8,400
Payroll liabilities$6,900
Deferred event income$1,200
Net assets without restriction$63,200
Net assets with donor restriction$66,700
Total liabilities & net assets$146,400

Restricted Funds — Held Separately

Building fund$41,900
Missions fund$18,600
Benevolence fund$6,200
Total restricted$66,700

Operating reserve

1.7 monthsTarget 3.0
$51,700 of the $118,400 in the bank is genuinely unrestricted. The rest is spoken for.
Donor Intelligence
Giving Concentration
How much of your giving rests on how few households
Donor Retention by Cohort
Share of each quarter’s new givers still giving in March 2026

Giver-level records stay hidden by default. Every household is shown by ID rather than by name, so the people who need the pattern can see it without donor records circulating.

First-Time Givers — March 2026
35 households gave for the first time. Thank them this week, while it still means something.
35 new

Giver IDFirst giftAmountFundChannelRecurringStatus
Showing 10 of 35. The full list, with contact details, exports to your church management system.
Lapsed & At-Risk Givers
Households that stopped, ranked by what their giving was worth. $8,204 of monthly giving sits in this table.
12 lapsed

Giver IDLast giftDays sincePrior monthlyLifetimeLikely reasonPriority
Card declines are recoverable with a single message. Quiet stops usually are not, which is why the gap between the two matters.

Analytics & Insights

CFO Commentary
📊
Headline Trend
655% Growth in 12 Months
Total monthly giving surged from $9,840 in April 2025 to $74,320 in March 2026 — a 655% increase in a single year. The church achieved this without a single month of decline in total giving, even through the September trough of $18,200. External partners, recurring conversion, and strong new donor acquisition all contributed. The trajectory is exceptional for an early-stage congregation.
🔁
Recurring Giving Analysis
Recurring Giving Now Funds 55.8% of Operations
Recurring giving has grown from $5,200 → $41,500, and now covers more than half of monthly operational needs — a strong financial stability signal. The recurring donor base grew from 8 to 50 donors, meaning the average recurring gift is ~$830/month. The slight March dip from February's $45,800 peak is attributable to churn, not slowing new growth — with 35 new donors added, April recovery looks favorable.
⚠️
Donor Churn Risk
9–18 Donors Lost Every Month
The church has lost donors in every single month this year, totaling approximately $43,720 in cumulative lost recurring giving. While new acquisition has outpaced losses, the September spike of -$15,660 of monthly giving lost in a single month shows concentration risk. A structured lapse-detection and outreach program could recover 20–30% of churned donors, adding an estimated $8–12K annually in retained giving.
🤝
External Partners
External Giving Now Exceeds Internal
External partner contributions exploded to $42,100 in March 2026 — up from just $1,800 twelve months ago and now exceeding internal tithes for the first time ($32,220). This is a double-edged dynamic: it signals strong external credibility and relationship-building, but also means revenue is increasingly reliant on non-member giving. Tracking partner retention separately from congregation growth is recommended going forward.
🎯
Fund Diversification
General Fund Dominates at ~70%
The General Fund consistently captures 70–75% of total giving, which is typical for an early-stage church but limits strategic flexibility. The Missions Fund showed meaningful growth in March at $14,400, and the Building Fund reached $6,300. A goal-based designated giving campaign tied to a visible project — facility expansion, a missions trip, or community initiative — could deepen donor engagement and diversify revenue meaningfully.
👥
One-Time Donor Conversion
~46% Conversion Rate — Room to Grow
In March, 58 one-time donors gave alongside 50 recurring donors — a 46% recurring conversion rate. This is the church's single highest-ROI improvement opportunity. If conversion increased to 60% among the same donor base, recurring giving would grow by an estimated $7,800–$10,000/month at current average gift sizes. A simple 30-day onboarding sequence for new first-time donors could meaningfully close this gap.
🏦
Operating Reserve
1.7 Months of Runway, Not 4
There is $118,400 in the bank, which looks like four months of cover. It is not. $66,700 of it is restricted to the building, missions and benevolence funds and cannot legally be spent on operations. Against a $29,808 average monthly burn, the genuinely unrestricted $51,700 is 1.7 months. The 12-month surplus of $52,010 is the fastest route to a three-month reserve, and we would recommend transferring it rather than absorbing it into next year’s budget.
⚠
Concentration Risk
10 Households Carry 46% of Giving
Ten households fund nearly half of everything. That is not a criticism of them, it is a description of exposure: losing two of the top ten would cost roughly $9,000 a month, more than the entire March surplus. The 108 active donors and 35 first-time givers in March are the mitigation, and moving new givers onto recurring is what converts them into a base rather than a spike.
👥
Lapsed Giver Recovery
$1,065/mo Is a Billing Problem, Not a Church Problem
Of the $8,204 of monthly giving now sitting in the lapsed table, five households totalling $1,065 a month stopped because a card declined or expired. Those are recoverable with one message and no pastoral conversation at all. The remaining $7,139 represents cancellations and quiet stops, where the timing of the outreach matters more than the wording. Work the billing failures this week and the quiet stops next.
📊
Budget Discipline
March Came In $1,400 Under Plan
Expenses landed at $45,800 against a $47,200 budget while revenue beat plan by $8,920, producing a $31,120 surplus in a single month. The two lines over budget are facilities ($400) and administration ($100), both small and both explainable by the growth in attendance. Nothing here needs a correction. The question is where the surplus goes, not whether it was earned.
📝

CFO Recommended Actions — Q2 2026

Based on this 12-month review, TurnkeyCFO recommends three priority actions for Q2: (1) Launch a recurring giving conversion campaign targeting the ~58 one-time March donors — a 40% conversion rate at the average gift size would add roughly $15K of new recurring giving within 60 days. (2) Implement a donor lapse alert system — flag any recurring donor who misses two consecutive months and trigger a personal outreach touchpoint to address the consistent 9–18/month churn rate; even a 30% recovery rate saves roughly $13K of giving a year. (3) Set fund-specific giving goals for FY2026 — particularly for Building and Missions, which are growing but lack structured targets. Goal-based campaigns with visible progress tracking have historically increased designated fund participation by 20–35% in comparable organizations.