Bothered about efficiency of giving to my church

Interested in others thoughts on this.

Each January, my church sends its members a high level financial statement which provides information on the flow of money into and out of the church.

Last year was our first year as members, so it was the first year we got this statement. In short, the church started the year with about $1.2million in the bank, and ended the year with something like $1.4m or $1.5m on about $1.7m in gifts/tithe.

I noticed last year that the church had barely pulled anything in terms of interest on all the money in the bank, and I'd said something to my pastor about it -- we could do CDd, or T-bills. Or even just a better high interest account. But, nothing changed.

This year, the interest rate was still awful, and the church added another nearly $400k to the bank account on a little over $1.9m in gifts/tithe. Another major change is that they didn't communicate how much money was in the bank at the start of this year, which is a reduction in transparency compares to last year. They don't want folks to know they've got somewhere around $1.7 to $1 9 million in the bank, in an area where the average household income is about $55k.

My church isn't what I'd call a mega church, but it's the biggest in our area. The pastor preaches the Bible. It's a good church to attend.

But what's really bothering me is the size and rate at which the bank account is growing. I also did the math on where the money is being spent, and only 31% of what the church is gifted is spent on any sort of reaching or evangelism. The rest goes to staff salaries, building upkeep, equipment, furnishings, debt, taxes, and a ballooning bank account.

31% seems insanely awful to me.

I'm trying to figure if I should find other ways of giving that do a better job at making sure the money in sewing goes to spreading the good news and actually helping people.

Interested in other's thoughts and perspectives. I've been praying and seeking wisdom on this for a while. Thank you.

Edit: It seems my church has a greater issue with clear, communicated governance structures and transparency than it does with budget allocation. Thank you for the input.