Church Reserves: A Practical Checklist for Local Churches

Stronger Church Reserves
Stronger Church Reserves

Strong financial stewardship starts long before a crisis. This practical checklist from GCFA helps local churches think proactively about reserves, sustainability, and planning for the future.

Simple discussion questions for a church meeting

You could also use these questions as a next step:

  • What funds do we currently have that are truly available in an emergency?
  • What financial risks would hurt our ministry most if they happened this year?
  • How long could we sustain ministry if giving dropped unexpectedly?
  • What upcoming repairs, staffing needs, or ministry shifts should affect our reserve planning?
  • Do we have a written policy, or are we relying on habit and assumption?

CHECKLIST

This content was originally published by the General Council on Finance and Administration; republished with permission on ResourceUMC.org on May 11, 2026.

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