778487108RR0001 — 0030
Registered — Oakville, ON — Charitable Organization
Scores: Legitimacy 96/100 · Effectiveness 74/100
Financials: Revenue $119,648 · Expenditures $103,711
Zoe Church has only submitted 20.0% of expected annual filings between 2009 and 2023, significantly limiting the ability to assess its operations. Zoe Church directs only 14.3% of expenditures to charitable programs, well below the benchmark for similar religious organizations. Administrative spending exceeds program spending, raising questions about operational efficiency. Reserves of 3.1 months are within the recommended range for financial resilience. Two standard compliance checks have not yet been performed: cross-referencing international transfers against countries flagged by the Financial Action Task Force (FATF) for weak anti-money-laundering controls, and verifying the charity isn't transacting with individuals or organizations under government financial restrictions (sanctions screening). These are gaps in the scoring system's reference data, not red flags about this charity.
Our Verdict: A congregation in Oakville, ON, where only 14% of spending reaches programs and operating with zero fundraising overhead — worth reviewing the full analysis despite the overall grade.