Plainfield Christian Church · Stewardship Update

Third Quarter 2026 Financial Update

A look at how God has provided through the generosity of our church family, and how those gifts have been put to work, January through September 2026.

Figures through September 30, 2026

Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.

2 Corinthians 9:7–8 (NIV)

Dear church family,

Thank you. Through the first nine months of 2026 you have given more than $3.8 million to the General Fund, and every dollar of it has been an act of worship. Those gifts have kept our ministries fully funded, sent support to mission partners around the world and here in Plainfield, cared for neighbors in need, and continued to pay down the mortgage on our building ahead of schedule.

Part of our responsibility as leaders is to steward what you give carefully and to tell you plainly how it is being used. This update is our way of doing that. Giving is running just under budget pace, and our ministry teams have responded by spending carefully, so the church remains in a healthy position with nine months behind us. We are grateful, and we are mindful that every figure below represents a family's faithfulness.

Please pray with us for a strong finish to the year, that God would continue to provide, and that we would continue to be found faithful with what He entrusts to us.

Brian Cragen Executive Director, Plainfield Christian Church
January through September at a glance
General Fund giving, year to date $3.88M 98.1% of budget pace · 73.6% of the annual budget
Net ministry spending, year to date $3.77M $4.24M of expenses less $464K in program fees and reimbursements
Net position, year to date +$264,732 Giving covered net spending with $106K to spare, plus $159K interest earned
Mortgage balance, September 30 $151,243 Down $252,548 since January 1

Giving: faithful and steady

General Fund giving supports the everyday ministry of the church: worship, children and students, adults, missions, care, staff, and our building.

General Fund giving by month
January through September 2026, compared with the monthly budget
Giving receivedMonthly budget ($438,914)
Monthly General Fund giving, January through September 2026, with the monthly budget line 0 200K 400K 600K Jan 2026: $574,556 Jan $575K Feb 2026: $390,749 Feb Mar 2026: $414,399 Mar Apr 2026: $375,398 Apr May 2026: $384,793 May Jun 2026: $454,282 Jun Jul 2026: $395,506 Jul Aug 2026: $439,711 Aug Sep 2026: $447,498 Sep $447K
Giving by month (table)
MonthGF givingMonthly budgetDifference
Jan$574,556$438,914$135,643
Feb$390,749$438,914($48,165)
Mar$414,399$438,914($24,515)
Apr$375,398$438,914($63,515)
May$384,793$438,914($54,121)
Jun$454,282$438,914$15,368
Jul$395,506$438,914($43,408)
Aug$439,711$438,914$798
Sep$447,498$438,914$8,584
YTD$3,876,891$3,950,222($73,331)
$1,282,714given in the third quarter (July–September), 97.4% of the quarterly budget of $1,316,741
$3,876,891given year to date, $73,331 below the nine-month budget pace of $3,950,222
$447,498given in September, the strongest month since January

Summer giving softened, as it often does, and September brought a strong rebound. The annual General Fund budget is $5,266,963, which works out to about $439K a month. January's total includes a large annual gift received at the start of the year.

Giving and spending: living within our means

Net ministry spending is what your General Fund giving actually needs to cover: total expenses across every ministry area and our debt payments, less the program fees, trip payments, and reimbursements that offset part of that cost. Interest earned on reserves is counted separately.

Giving and net ministry spending by quarter
2026 · net ministry spending is total expenses less program fees and reimbursements
General Fund givingNet ministry spending
General Fund giving and net ministry spending by quarter, 2026 0 0.6M 1.2M 1.8M Q1 giving: $1,379,704 Q1 net ministry spending: $1,212,620 Q1 $1.38M given $1.21M spent Q2 giving: $1,214,473 Q2 net ministry spending: $1,227,234 Q2 $1.21M given $1.23M spent Q3 giving: $1,282,714 Q3 net ministry spending: $1,330,936 Q3 $1.28M given $1.33M spent
Giving, spending, and net position (table)
PeriodGF givingTotal expensesLess program revenueNet ministry spendingInterest earnedNet position
Q1$1,379,704$1,338,245$125,625$1,212,620$52,228+$219,311
Q2$1,214,473$1,375,453$148,219$1,227,234$56,398+$43,636
Q3$1,282,714$1,521,358$190,422$1,330,936$50,006+$1,784
YTD$3,876,891$4,235,056$464,266$3,770,790$158,631+$264,732
$3.88MGeneral Fund giving, January through September
$3.77Mnet ministry spending, January through September
+$264,732net position year to date, including interest earned

In the third quarter, giving of $1,282,714 ran a little below net ministry spending of $1,330,936, as summer programs and trips landed in these months. Across the year so far, giving has covered net ministry spending with $106,101 to spare, and interest earned on reserves added $158,631, for a net position of +$264,732. Total expenses stand at 70.2% of the annual budget with 75% of the year complete, which reflects our teams' care with the resources entrusted to them.

Where the money goes

How year-to-date spending is shared across the ministry areas of the church.

Spending by ministry area
Share of ministry spending, January through September 2026
Share of year-to-date ministry spending by area Staff & administration Pastors, ministry staff, office, technology Staff & administration: $1,830,966 (44.9%) 44.9% · $1.83M Facilities, safety & debt Building & grounds, security, mortgage payments Facilities, safety & debt: $1,106,582 (27.1%) 27.1% · $1.11M Global & local missions GI Missions partners, Local Impact Global & local missions: $562,294 (13.8%) 13.8% · $562K Ministries NXT Gen, Adult, Impact Ministry, Benevolence Ministries: $457,432 (11.2%) 11.2% · $457K Worship & creative arts Music, production, media Worship & creative arts: $114,387 (2.8%) 2.8% · $114K Other Elders, strategic planning Other: $7,959 (0.2%) 0.2% · $8K
Spending by ministry area (table)
Ministry areaYTD spendingShare
Staff & administration$1,830,96644.9%
Facilities, safety & debt$1,106,58227.1%
Global & local missions$562,29413.8%
Ministries$457,43211.2%
Worship & creative arts$114,3872.8%
Other$7,9590.2%

Our largest investment is in people: the pastors, ministry staff, and support team who teach, lead, counsel, and care for our church family every week. Together with the building that houses it all, these two areas make up about seven of every ten dollars spent.

Nearly one dollar in every seven goes directly to global and local missions, with the remainder funding children, student, and adult ministries, benevolence for neighbors in need, and worship and creative arts.

Becoming debt-free

The mortgage on our facility continues to shrink, helped by budgeted extra principal payments and the gifts of those who give above and beyond to retire it.

Mortgage balance
January 1 through September 30, 2026
Mortgage balance, January 1 through September 30, 2026 0 150K 300K 450K Jan 1: $403,791 Jan 1 Jan: $371,951 Jan Feb: $343,166 Feb Mar: $314,954 Mar Apr: $288,460 Apr May: $261,156 May Jun: $234,879 Jun Jul: $205,356 Jul Aug: $178,915 Aug Sep: $151,243 Sep $403,791 $151,243
Mortgage balance by month (table)
MonthEnding balance
Jan 1 (start)$403,791
Jan$371,951
Feb$343,166
Mar$314,954
Apr$288,460
May$261,156
Jun$234,879
Jul$205,356
Aug$178,915
Sep$151,243
$252,548paid down this year, an average of about $28K a month
$46,664in designated gifts applied directly to principal this year
$151,243remaining balance as of September 30

The balance has fallen from $403,791 at the start of the year to $151,243. If the current pace continues, the church would be free of this debt in 2027, freeing those payments for ministry.

All In

Gifts to All In are held separately from the General Fund and are restricted to the purposes of the campaign. They are not included in the General Fund giving figures above.

Your generosity, set apart for what is ahead

Through September, nearly $2.8 million has been given to All In this year, bringing the total given since the campaign began past $5.25 million. These gifts are held separately and invested carefully until they are put to work, and we will keep you updated as the campaign moves forward.

Thank you for giving sacrificially toward a vision bigger than any one of us.

$5.27MTotal given to All In since the campaign began, through September 30, 2026
$2.80MGiven to All In in 2026 so far
$2.47MGiven to All In before 2026