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City Church Demo · Q2 FY2026 board pack
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Executive Summary
Financial Health
Giving & Expense Trends
Budget vs Actual
Tara AI Recommendations
Risks
Action Items
Appendix — Definitions
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Quarterly Financial Report
City Church Demo · Q2 FY2026
Total Giving YTD
$612,400
Operating Margin
9.3%
Reserve Ratio
4.2 mo
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Executive Summary
City Church Demo enters Q2 FY2026 in a healthy financial position. Giving is up 8.4% year over year, the operating margin stands at 9.3%, and reserves of 4.2 mo sit comfortably inside the 3–6-month policy band.
The principal watch item is payroll, now at 42.0% of giving and trending toward the 45% ceiling.
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Financial Health
Total Giving YTD
$612,400
+8.4% vs LY
Total Expenses YTD
$555,447
+5.1% vs LY
Net Surplus YTD
$56,953
9.3% margin
Cash Balance
$382,000
+$24K MoM
Reserve Ratio
4.2 mo
Target 3–6 mo
Days Cash on Hand
126
Policy ≥ 90
Payroll %
42.0%
Target ≤ 45%
Operating Margin
9.3%
vs LY
Budget Variance
+2.1%
Favorable
Giving Growth
+8.4%
Trailing period
Attendance Growth
+6.2%
325 avg
3
Giving & Expense Trends
GivingExpensesMax $200K
4
Budget vs Actual
BudgetActual
5
Tara AI Recommendations
- Stage or defer non-essential hires until giving growth confirms it can absorb them without breaching the 45% payroll ceiling.
- Reaffirm the 3–6-month operating reserve policy this cycle.
6
Risks
- watchPayroll at 42.0% of giving is approaching the 45% ceiling.
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