If one has to battle a non-profit organization for their financial reports, that along is enough that tells me the organization is not to be trusted. When I first moved to Virginia, I remember receiving a phone call at work from the secretary of a church I had not too long recently joined, requesting that I take an hour or two from work to attend a special call meeting. Since the secretary insisted that my present should be there, I went on ahead and took a few hours from work to attend this meeting. Once the meeting started, the church secretary handed out a one page annual budget for adoption by the church's body. After adopting the budget, I told the church secretary that I would like to volunteer my time working with the church financial secretary to keep track of the budget, so that a monthly financial report per the budget could be provided to the congregation each month. The church’s secretary quickly pulled me aside and whisper in my ear that the recently adopted budget was only adopted so that the church could get a $50,000 construction loan from the Bank of the James in Virginia and we will never see that budget again. In order to complete the bank's loan application for churches, the church needed a current year budget adopted by the body attached to the application. After that incident that church slowly became history with me.
Also, by the church being one of the oldest churches in Virginia (100 year plus) and affiliated with a large Baptist congregation, I'm pretty sure other churches like it have done something similar without the knowledge of most of their congregation. Every time I see a college affiliated with a Black church congregation close due to accreditation problems, such as the recent closure of St. Paul College in Lawrenceville, Virginia, it makes me wonder if it was creative financing that cause the school’s demise.