| S1 Build Financial Literacy | Whether leaders and households understand the church's finances and their own: budgeting, records and reporting clarity. | Budget-versus-actual accuracy, close timeliness and whether leaders can explain the numbers behind every report. | Attendance at financial-literacy classes and completion of household financial-education content. | Aggregate household financial-literacy scores and course completion, reported as totals and themes only. |
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| S2 Build a Financial Reserve | Whether the church has set aside 3-6 months of essential operating expenses, and is on track if it has not. | Reserve fund balance measured in months of essential operating expenses, and progress toward the 3-6 month target. | Participation in reserve-building or savings challenges offered through the church. | Aggregate household emergency-fund readiness, which caps how much a household can realistically give. |
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| S3 Eliminate High-Cost Liabilities | Progress toward eliminating high-interest debt and other costly liabilities that drain future ministry capacity. | Outstanding high-cost debt balances, interest paid year to date, and progress on payoff schedules. | Enrollment in debt-elimination coaching or classes and engagement with follow-up. | Aggregate household high-cost debt load across the congregation. |
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| S4 Cultivate Generosity Through Giving | The health of congregational giving: participation, concentration, recurring giving and growth over time. | Giving participation rate, donor concentration, lapsed givers and recurring giving. | Giving compared with attendance and serving for the same people; growth in giving participants. | Aggregate progress on household giving plans and goals as evidence of applied generosity. |
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| S5 Invest in Future Ministry | Whether the church is intentionally funding and staffing what comes next, not just sustaining today. | Future-ministry or building fund balance and contributions compared with the funding plan. | Volunteer and leadership pipeline strength feeding future ministry and staffing plans. | No evidence contributed |
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| S6 Provide for Your Pastors' Wellbeing | Fair, documented and reviewed compensation and care for pastoral staff. | Compensation-policy compliance and whether pastoral pay and benefits are reviewed on schedule. | Participation in events and check-ins that support pastoral care and staff wellbeing. | No evidence contributed |
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| S7 Give Generously | Outward generosity and impact: what share of resources and people is committed to missions and community outreach. | Share of the budget given outward to missions and community outreach, and how consistent that giving is. | People participating in outreach and community-service events. | Aggregate household capacity for outward, missions-directed generosity. |
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