November 14, 2023 Update

Capital Campaign

They say pictures are worth a thousand words. So this month’s capital campaign update is light on words and heavy on pictures and video.

A big thank you to Mike DeVries, Brad Waayengberg, and Velting Contractors for taking the lead on reinforcing and repaving our entire parking lot. And a shout out to Josh Stratemeyer for a drone shot of our parking lot this past Sunday morning. Did you know our parking lot is this full 4 days each and every week during the school year?

We are grateful to Jeremy Rhoton and his team for landing us this new-to-us bus… in great repair and with minimal mileage. And another note of appreciation to Mike Gilpin and his team at FastSigns for the graphics that make it our own.

We are grateful for Jason Holst as well as Kevin Clausen and his team at Great Lakes Systems for tending to the needs on our flat roof. Since most of you won’t have a chance to “visit” the flat roof, here are a couple pictures of the critical roof maintenance.

We are grateful for Oscar and Terrah Quesada and their expanding team at Lifedge for rising to the challenge of stepping up Rush Creek’s digital presence—website, social media, and the digital communication you receive like this one.

We heard about 3 numbers on Sunday: 70%, $275,000, and 200. If you missed it on Sunday or you need a reminder, watch Sunday’s update here:

There is always a risk of not thanking the dozens of others who have played crucial roles in the campaign… including those of you have given and are giving faithfully. We are truly grateful for this local body of Christ responding to God’s call. We are getting so close! Would you prayerfully consider helping us finish strong as we approach the end of the year?

Give online here.

October 5, 2023 Update

The Final Four

As we round the corner toward the end of the Welcome Home! Campaign and as we anticipate together the complete renovation of our facility that began in 2017, we have a few more items to complete. Before we elaborate about the few things that haven’t been refreshed during these last two campaigns, we need to pause and thank God for the stewardship of our church, campus, and ministry opportunities!!

If you are wondering what constitutes a “capital replacement” item or something worthy of a capital campaign pursuit, the definition is rather simple; it’s any one-time addition, improvement, or even equipment for buildings or the campus that we wouldn’t normally budget for in our ministry fund.

So here are a few things of which we have not given a written update:
• Flat roof
• Enhanced digital presence/website
• Enhanced security
• Finishing renovation of worship center/stairwells
◦ Carpet
◦ Chairs
◦ Paint

First, there has been a roof leak that occurs in our gym several times each year for the past 20 years. We have spent more time during this past year doubling down on efforts to identify the source of the leak—to no avail. Earlier this month, however, we had our flat roof inspected (again). As with all flat roofs with membranes, patches become part of a flat roof landscape over time. Fifteen patches were re-patched and tended to along with several additional patches. It is possible that this routine maintenance could stem the leak, but we will know more during the freeze thaw in the spring. The cost of this inspection and repairs was underwritten by the contractor. Once again we continue to see such amazing generosity. We had allocated about $20,000 for the flat roof if we found the source of the leak. At this point we anticipate our cost at $0 for this capital campaign item.

Believe it or not, we have 9 entrances to Rush Creek. Yet, the vast majority of our visitors don’t use any of those doors when they first visit Rush Creek. Over 90% of those who are exploring Rush Creek as a potential church home first enter through our website. The website and YouTube channel have become the new “front door” through which visitors explore Rush Creek. Further, our digital presence often isn’t measured over and against other churches, it is measured based on an even higher standard of excellence of digital presentation.

Our staff has done extensive research on this front. Our first step is to select software—likely subscription-based. The next step is to design a web presence that is also an integrated digital presence to populate the public-facing digital spaces such as website, app, and sermon streaming.

Each year we work hard to make strides in the security of our church. Remembering that we have over 500 people four-days each week, the scope of security spans well beyond Sunday morning services. Our Trustees and Staff continue to evaluate all we could do in order to discern what we should do. We have discerned that door security, security camera functionality, and internal communication top the list. We will keep you posted as we nail down where we will be applying limited resources to be good stewards of the people God is prompting to walk through our doors.

This generic heading bundles several intertwined facets of renovation; seating (two types), carpeting, painting of railings, and even the consideration of modesty panels in the balcony. At this point, the decision has been made to concentrate on seating for the main floor of the worship center. We also plan to outfit the Creekside Room with the same style of seating.
It is worth mentioning again that our current pews are not solid wood, and the pew particle board is beyond repair on some of our 23-year old pews. While that alone does not constitute an emergency by any means, the room’s flexibility of use along with the ability to finish what we started with Project Renewal in 2017 are a few of the driving factors for these changes.
If you are curious about timing and process, here is a thumbnail sketch. While we hope to do the entire worship center (main floor, balcony, and stairwells) at one time if money allows, we can scale back to main floor renovations and this ideally would be prioritized by:
• Stand alone seating ordered by end of year (assuming a 5 month lead-time)
• Pews removed by Summer of 2024
• Green carpet replaced by Summer 2024
• Balcony seating ordered as soon as funds available
◦ high-back theater-style seating
• Balcony pews removed as soon as funding is available for balcony flooring.
• Stairwells re-carpeted, walls painted, and handrails painted
In terms of process related to seating selection, here is what you can expect:
We have identified 3 types of seating that fit our initial criteria. There will be four groups of people that will weigh into the final selection. If that feels like overkill, it is important to remember that there are at least 10 facets to consider. They include:

The four groups involved in decision-making include:
• A subset of those who most frequently set-up and tear-down rooms
• A representative sample—one from each major ministry—to evaluate comfort and preference
• A design committee to narrow down to one or two seat fabric styles/patterns
• Trustees will weight the input of the three groups and make the final decision
Sustaining a million dollar operating budget while pursuing a (nearly) million dollar campaign is a stretch of faith. Please continue to pray for discernment in decision-making, for giving hearts (including our own), and for healthy cash flow so that we can steward well what God has placed before us.

Give online here.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

September 8, 2023 Update

Finishing Well

Six years ago our congregation rose to the challenge to renovate over 90% of the inside of our church including the addition of the Family Entrance. Over the next four years our congregation rose to the challenge to re-roof our ministry center. This Spring we improved 50% of our 23 year-old campus by reconstructing our entire parking lot. Just last month our congregation stepped up to repair our 15 passenger van and generously gave toward the purchase of an additional van.

In short, our congregation is amazingly generous. And by God’s grace, our congregation understands the profound role of stewardship. Stewardship isn’t simply managing money and stuff. Stewardship is recognizing God’s ownership and design of all things and responding according to God’s plan and purpose with what he has entrusted into our care.

To whom much is given, much is required. Scripture exhorts us in this way. Rush Creek has been given so much. One exercise the staff and leadership is diving into is to answer the question “where do we see God at work in the life of Rush Creek Bible Church.” Our prayer is that we take stock in what God is doing and join him as we extend ourselves and our resources to further advance his purposes.

God has been using Rush Creek as a ministry center increasingly over the last decade or more. Rush Creek is known in the community as one of the more active churches trying to bring light and life to the greater Byron Center area.

Right now we have an opportunity to finish what we began back in 2017 with our Project Renewal campaign—a completed renovation of our campus. With the parking lot and ministry transportation (60% of the Welcome Home! Campaign) behind us, we are nearing the finish line of ministry center renovations that began back in 2017.

These final items will ensure that we have hit the reset button on our entire church ministry center:

Security upgrades
Website (the first “door” nearly every visitor walks through)
Worship Center main floor and balcony—carpet and chairs.
Outbuilding preparation
And there is one more thing—something not on the “capital campaign” list of projects because it really only requires sweat equity.

As we discuss resources entrusted to us by God, did you know there actually is a Rush Creek at Rush Creek Bible Church? Have you ever seen it? On September 23 from 9AM-12PM we are asking for all hands on deck to uncover and reclaim the beauty of Rush Creek by clearing out the brush and exposing our beautiful Rush Creek. This will be step 1 as we work toward a walking path alongside the creek.

One more thing we can rejoice about: Last year at this time the Trustees planned on embarking on a $700,000 campaign. However, after very thorough research and prayer, we decided to reconstruct the entire parking lot and not just half of it as originally planned. This added $250,000 to our original plan. We knew the cost would be a step of faith for our congregation and yet we didn’t want to waste more money in the long run.

Trustees continue to work hard to continue due diligence with each of the above remaining areas to address. There has been no pause in these processes. Further we remain committed to move as fast as God provides the financial resources in and through our church. Due to lead time and the time it takes for thorough consideration and vetting, we will have the opportunity to extend our campaign into the new year. Not surprisingly, God is working out the timing and the cash flow. We remain attentive to his leading.

We ask you to continue to prayerfully consider your giving to help us finish well what God began in and through Rush Creek.

Give online here.

August 4, 2023 Update

When God’s People Respond….

I am so thankful for this church, the ways God continues to use Rush Creek for his purposes, and for a congregation who actively looks for ways to respond to the needs! When we announced to the congregation that our current van was in need of significant repairs, our bus needed to be retired, and that we were praying in faith for a new-to-us van… our congregation responded with $44,000 toward our transportation needs!! Many of our ministries in and throughout the community are reliant upon being able to transport children, students, and adults, which is why this is truly such an amazing response from our congregation!

Looking to the Future…

Onward and upward! As we enter the month of August we already find ourselves in the 10th month of our “Welcome Home!” campaign. In most capital campaigns this is the time when it becomes difficult to keep the momentum moving forward, and yet our congregation continues to prove faithful, generous, and attentive to the needs!

We stepped out in faith together to raise $950,00 in order to be good stewards of the facilities and ministry opportunities. Ten months into the campaign we are approaching ⅔ of our goal as we have raised almost $600,000. While we still have a distance to go, these are vivid moments in time to remind ourselves of God’s faithfulness through the generosity of his people.

Thank you for continuing to partner with us financially in all that God is doing in and through Rush Creek! In the words of the Apostle Paul in I Thessalonians 1:2-3, “We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ.”

Blessings,
Pastor Cam!

Give online here.

July 18, 2023 Update

Over the years Rush Creek has often been complimented for being such a welcoming church. It is clearly a shared value within our church family as visitors frequently state that their first impression inside the church building is one of feeling welcomed by our Rush Creek Family.

Now with the fresh new parking lot, from the moment someone enters the campus, it is a warm and welcoming experience. When entering the main entrances you may have also noticed some additional changes that make a big visual difference. Whether driving through the parking lot, entering the doors, or meeting the people inside, we are striving to live up to the compliment of being “welcoming!”

Driving Ministry Forward

A couple days after our parking lot was complete, however, our Explore college and career adults struggled to drive into our parking lot. After a weekend trip to West Virginia, the transmission gave way on our 2014 15-passenger van. The timing was not ideal, nor was it a real surprise. Our Welcome Home! Campaign allocated $25,000 toward transportation needs precisely because we anticipated the need for repairs and even replacement of ministry vehicles over the next couple years.

There are seven remaining “projects” in our capital campaign. The wonderful news is that most of the remaining projects, while important, are not urgent. That was true…. until the van broke down.

We get a lot of life and a lot of ministry use out of our vehicles. On average, our van gets used 15 times each month on average for five ministries—to transport roughly 40 students each week. Our sister churches—including Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church rely on our van for transportation needs that exceed their own capacity.

On average our bus was used once each week this year for our Drop Zone ministry and 5 times a month for special events—averaging 60 students per week.

The bus was very used when we got it 10 years ago. We have nursed it along. While it is safe for transport, it is not advisable for much highway travel or distances beyond 50 or 60 miles.Our game plan is to retire the bus soon…but not replace it. One limitation of a bus is the certification needed to drive. This is a hurdle to having an ample list of drivers.

As we retire the bus our goal is to have a “fleet” of vans. Practically speaking our plan is to fix the van (around a $6,500 expenditure), and then also acquire a “new to us,” low-mileage 12 or 15 passenger van by the end of the year. Ideally we would acquire a third multi-seat van within the next twelve months beyond that.

We have many upcoming needs on the calendar for a van including: pickup of mission teams, family outings, youth events, a discipleship trip and a staff development retreat – all before September.

Transportation is a huge need in ministry. If you would like to help “drive” ministry quite literally, please consider a cash, check, or pushpay gift designated “transportation” as we strive to continue excelling in stewardship in our Welcome Home! Campaign.

Give online here.

June 8, 2023 Update

Capital Campaign Connection

In case you missed the update at our Family Meeting Sunday night, here are some of the campaign highlights we discussed.

These first weeks of June mark several significant milestones. We are:

  • 50% percent of the way through our 14 month campaign….
  • 50% of the campus has been improved
  • 50% of the income has been received toward our $950,000 campaign goal
  • 50% of the cost of our campaign goal was the reconstruction of our parking lot
  • 100% of the parking lot reconstruction is now complete

Let’s celebrate these milestones together!

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of those two dynamics.

Ministry Fund Update—as of April 30th (10 months into our fiscal year)

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund.

While giving to the ministry fund is below budget by ~$120,000 …

Our staff has also scaled back ministry fund expenses by ~$80,000

Our prayer is that we would close the financial gap of ~ $40,000 deficit by the end of June (our fiscal year-end).

Keep in mind that last year we ended the year with $70,000 surplus that we applied to the campaign. All this to say, during a campaign year (launched after the start of our fiscal year) this decreased giving to the ministry fund does not take us by surprise. And when we consider the generosity toward the capital campaign during this same year, our congregation continues to excel in the grace of giving.

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

It is important to note that due to our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we may need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive shortly.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent to the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps?

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

184,723 Unpledged giving toward the campaign

225,510 Pledged giving

113,745 Pledged giving not yet received

_______

$593,978 Committed to the Welcome Home! Campaign

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due later in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

What’s Next

Due diligence continues in each of the following remaining areas. As always, our plan is to go at the pace that finances allow and incur no additional debt along the way.

Bonus Material

We are grateful for so many involved in the due diligence, execution, and finances of the projects we are tackling together as a congregation. We are also thankful for so many generous individuals that are paving the way for ministry for years to come!

Consider Giving


View Original Newsletter

May 11, 2023 Update

On Purpose

This past year is a remarkable story of stewardship

  • This past Easter, Rush Creek experienced our largest ever on-campus church service participation.
  • We had our largest enrollment ever this year in AWANA – 155 children with an average of 100-120 each Wednesday!
  • We celebrated over 25 children this year who accepted God’s free gift of salvation through Jesus Christ!
  • This past ministry year, the Rush Creek campus hosted more ministry efforts and served more people than ever before.
  • This past November, Rush Creek embarked on the Welcome Home! Campaign to replace and enhance campus facilities to better serve our growing community.
  • Over the last year, our congregation continues to generously give to our Charis fund (addressing benevolence needs).
  • Just recently the congregation was challenged to support children’s ministry projects overseas. That $10,000 goal was exceeded by $5,000.
  • Over the past year, more men have given leadership to and participated in men’s ministry than ever before.
  • We welcomed 24 new members into our church family this past year.

Hopefully these numbers are encouraging to you. Yet church nor ministry, of course, is really about the numbers. Lives glorifying God are the crucial measure. Still, the numbers we see above can be strong indicators of health, growth, and vibrancy. Those who call Rush Creek their home church have invested more into ministry than ever before!

Still, we are a church in pursuit….

In Pursuit

Capital campaigns happen above and beyond regular giving. Often capital campaigns require scaling back for a season in some areas in order to emphasize other areas where financial resources are needed the most. Our financial picture is a story of that reality.

Ministry Fund Update

Our ability to break ground is made possible as a result of efficient stewardship of our Ministry Fund—spending significantly less (roughly 8%) than budgeted. And yet our church giving toward the ministry fund is down even further. So there is a gap—approximately a 1/2 month of income that we need to catch up with and overcome by the end of June (our fiscal year-end).

Capital Campaign Fund Update

Our congregational vote to pursue a capital campaign almost equal in size as our annual budget was indeed a huge step of faith. In terms of our entire goal we are just over half way to our $950,000 goal. This is praiseworthy.

We would be remiss to not pause and thank God for the generosity of this congregation.

 

In Perspective

It is important to note that our steps to pay down debt at an accelerated rate, as well as the estimated cost of the parking lot, we will need to dip into our cash reserves in order to pay for the parking lot. Another way of saying this is that we still need more in our Capital Campaign Fund to pay for the parking lot invoice that we will receive in June.

If you have been considering giving to the ministry efforts here at Rush Creek, or even giving to a greater extent for the Ministry Fund and/or Capital Campaign Fund, would you prayerfully consider helping close those gaps.

We have taken significant steps of faith together and God continues to be faithful in and through his people here at Rush Creek. Thank you for being a faithful steward.

70,000 Prior year generous giving applied to the campaign

165,871 Unpledged giving toward the campaign

221,570 Pledged giving

117,685 Pledged giving not yet received

_______

$575,126 Committed to the Welcome Home! Campaign

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.

Consider Giving


View Original Newsletter

April 13, 2023 Update

On Purpose

Popped Tire: $179.00

Broken Tie Rod: $329.00

Broken Ankle: $2500.00

New Parking Lot: Priceless 

You may remember the MasterCard commercials where we would be reminded of the cost of certain things in life, and then the last item would be dubbed “priceless” as it would reflect more value than the amount of money spent to attain it. Similarly, our parking lot reconstruction is far from “priceless” monetarily, yet the benefits and ministry value does far outweigh the cost.

Our campus was constructed twenty-three years ago.Through the years we have seen God work to use this facility for his glory. What is even more exciting is how the ministry here has expanded to include community-based groups who meet here weekly alongside our internal ministries. Our church calendar is filled with activity seven days a week most weeks of the year. We host groups Monday through Friday that bring in hundreds of people per day.

If you take a quick walk around our parking lot, the sinking asphalt and large amount of potholes tell the story of years of use day in and day out. Our property sits on a tricky soil that unfortunately has been increasingly showing the effects of a shifting foundation. By doing our due diligence to understand the foundation, the construction of a new parking lot will be laid in confidence of an even lengthier lifespan.

But why is this costly reconstruction “priceless?” By investing this money we are bettering nearly 50% of our campus. This

  • Reflects good stewardship of what God has given to us
  • Keeps our congregation and visitors safe
  • Greatly improves the first impression guests receive of our facility
  • Increases property value
  • Reduces liability

Most importantly, ministry can continue. We invest into our building and grounds to ensure that God’s work can go forth. We want people to feel safe as they walk into our building. We want our community to see that we value them and this place so many call home.

Perhaps the foundation to our parking lot has shifted over the years, however the ministries that emanate from our well-used campus continue to be built upon the firm foundation of the Gospel of Jesus Christ.

We have committed to paying cash for the parking lot. With your participation, that goal is very attainable!

In Pursuit

Bonnie Honderd, the area teaching leader for Bible Study Fellowship, had this to share with us back in February. It’s worth the watch!

In Perspective

70,000 Prior year generous giving applied to the campaign

126,130 Unpledged giving toward the campaign

184,635 Pledged giving

145,785 Pledged giving not yet received

_______

$526,550 Committed to the Welcome Home! Campaign

Just prior to launching this campaign, our Trustees continued the due diligence process on the various projects being tackled within this campaign. Originally our goal was to raise $700,000—included in that amount we would pave half of the parking lot. After extensive research and listening to the wisdom of those in the industry, it was determined that prudent financial stewardship would suggest that we should tackle the entire parking lot to achieve significant economies of scale. While the additional $250,000 thousand to complete the entire parking lot increased the campaign amount by over 33% (the total campaign goal now at $950,000), after prayerful consideration the congregation decided to take a significant step of faith. Thank you for joining in this faith journey.

On Point

If you have pledged and are able to accelerate your giving, our goal would be to have another $150,000 in our capital campaign account so we don’t need to “borrow” from ourselves when the bill comes due in June.

If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving. By the end of our campaign we are praying for 185 individuals/families to participate financially in this project.


View Original Newsletter

March 31, 2023 Parking Lot Update

New Parking Lot coming soon!

We have secured two weeks in May for the reconstruction of our parking lot. We have contractors scheduled, and the total cost of this improvement will be over $500,000.

Financial Update: We are committed to paying cash for the parking lot, not incurring new debt. Currently we have $341,799 cash available for this project. There is another $146,175 pledged that has yet to come in. We are close to this first goal, but groundbreaking day is quickly approaching. We ask you to consider giving, as we push toward this mid-May project. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

March 8, 2023 Update

We just completed the 4th month of our Welcome Home! Capital Campaign. Four months in, there is actually quite a bit to report on. And if you look closely on the Rush Creek campus, you will be able to see hints of processes that are taking place even now behind the scenes. More on that later.

On Purpose

God is at work in and through this church. It is, in fact, the whole reason for the campaign. A twenty-three year-old facility from which so much ministry emanates creates wear and tear on facilities, and even opens up opportunities into the future.

Leigh Sandera told her story so eloquently last month during a Sunday morning service. It’s worth watching (and re-watching) as a reminder of what this church is about; and even what this campaign is about.

In Pursuit

Accelerated Debt Payments

Just a couple weeks ago we paid off our first loan (of two loans). This milestone is a result of over $37,000 of accelerated debt payments since the campaign began in November!! We are grateful for the patience and generosity of the family that loaned the money as well as the generosity of the congregation to retire this particular debt.

As we approach a new budget year (July 1), we remain committed to accelerated debt payments and with our upcoming budget will incorporate accelerated debt payments into our Ministry Fund until the debt is retired.

Parking Lot Reconstruction

As I write the letter two trucks from Miss Dig are wandering around the property so as to mark out areas that won’t interfere with our soil borings. While soil borings is indeed a boring topic for most, it is actually an encouraging step in the process of our most costly capital replacement. The purpose of soil borings is to better understand the soil foundation that lies beneath our rather large parking lot. This process is part of extensive due diligence to understand what it will take to take up the old parking lot and re-construct a new one. Lord willing, when mid-May arrives and much of our ministry programming takes a break for the summer, our parking lot will be rebuilt; a process that can take a couple of weeks. Many have asked if we will be able to use the church while the parking lot is worked on. The answer is we will be able to worship together on Sundays in our building. During weekdays and on Saturdays, however, we will give the contractors free reign to do their work most efficiently without activities on our campus.

In Perspective

Our goal is to tackle projects serially—as opposed to all at once. And our first goal gets us half way through the campaign dollar goal, improves over half the campus, and can be accomplished at the half-way point of the campaign.

On Point

Our practical plan is to pay cash for the parking lot. As we make decisions, we are looking at three metrics:

1) pledges toward the campaign, 2) financial gifts designated to the campaign, and 3) overall church cash flow. But those are just the important financial metrics.

Our missional goal is widespread participation. By the end of our campaign we are praying for 185 individuals/families participating in this campaign. If you haven’t yet invested in the Welcome Home! Campaign, it is one way that we can strive together to excel in the grace of giving.

With your participation, these first steps are very attainable!

January 22, 2023 Update

In case you missed it…

January 15, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of January 10th, 2023, 59 pledges total $325,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of January 10th, 2023, our Welcome Home! Campaign pledged income received was at $166,360 and our non-pledged income totaled $84,500. 

History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

Keep in mind that due to the generosity of our congregation and the effective stewardship and cost savings from our staff during the last ministry year, $65,000 was allocated toward the campaign when this campaign began. 

Here is the total snapshot as of January 10th, 2023

$325,000 pledged ($166,360 received thus far)

$84,500 non-pledged income

$65,000 prior year giving applied to campaign

$474,500 identified toward this campaign

About capital replacement and improvement expenses and timing

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked why we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we have some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

January 7, 2023 Update

We are two months into our Welcome Home! campaign and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope of these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

 

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

 

Income:

 

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

 

As of January 5th, 2023, our pledges are at $325,000.

 

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

 

We have learned  these things from the history of our capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to make pledges philanthropically.. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

 

As of January 5th, 2023, our Welcome Home! campaign income was at $166,360 (revised from prior report).

 

A natural question to ask at this point is “What portion of the $166,360 given thus far, offsets the $325,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing this important aspect of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

 

About capital replacement and improvement expenses and timing

 

We mention 9 “buckets” that we are trying to tackle with this campaign. Not all buckets—or capital replacement/improvement projects—cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those projects/expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 or 52+% of campaign)
  • Worship Center Seating (and the carpet underneath it)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

 

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

 

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan that was implemented Nov 1, 2022 is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

 

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

 

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship.

 

For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

 

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stair wells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

 

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

 

We have researched carpet and painting as it relates to process, timing,  logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

 

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

 

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

December 23, 2022 Update

Less than two months into our Welcome Home! campaign, and already we have much to report on. Prayerfully, we hope to wrap up this campaign by the end of 2023. Yet, we remain committed to the Lord’s timing. With every campaign there are two components to a capital campaign; income and expenses. 

  • As an overview, our Welcome Home! Campaign is designed to be a 14-month campaign. 
  • The campaign seeks to tackle 9 different aspects of capital replacement and improvement over that same 14 month period if the Lord allows. You can read more here about the scope these efforts. 
  • We have also committed to not going into long-term debt. 
  • Our capital campaign is volunteer-led, and has not been guided by a capital campaign consultant.

Let’s unpack both the income and expense side of the equation at these early stages of the campaign. 

Income:

Pledges: 

As is typical for church capital campaigns, we have encouraged our congregation to pledge toward the campaign. 

As of December 14, 2022, our pledges are at $318,000.

Is that good, bad, or otherwise? This is a common question. 

The reality is that some view pledges as primarily a way to register their commitment for their own sake and their own faith journey, others view pledges as a way for the church to plan for expenditures, Still others are not inclined to pledge for a variety of reasons. Additionally, those who do pledge tend to pledge minimum amounts. It is common for pledged amounts to be exceeded by actual giving. 

We know these things from the history of capital campaign experiences. 

For church planning purposes, pledges are simply one data point for decision making as it relates to the amount and timing of expenditures. History would tell us that pledges may account for 50 to 70% of the dollars that may ultimately come in. More recent history would also indicate that, culturally, younger generations are less inclined to pledge philanthropically even if they are the “subscription” generations. Further, whether or not people pledge does not necessarily mean they are not committed to support—even quite generously—the campaign. 

So what does that mean for this campaign? It means prayer and steps of faith are required. If we are feeling comfortable as a church, it’s probably not the place where God wants us. So as leadership we are committed to prayer and eager to take steps of faith. 

As of December 14, 2022, our Welcome Home! campaign income was at $170,000.

A natural question to ask at this point is “What portion of the $120,000 given thus far, offsets the $320,000 worth of pledges?”  The short answer is: we don’t know for sure. In part, that is because some pledges are made anonymously. Another part, is that those taking care of the income side of the capital campaign are volunteers who are graciously managing the income side of the campaign—something that takes significant time– in the margins of their time. History would tell us that the bigger financial picture emerges after giving patterns are established. Perhaps by the end of the first quarter of 2023, we should have a clearer picture of the income side of the equation.

About capital replacement and improvement expenses and timing

 We mention 9 “buckets” (you can read more here) that we are trying to tackle. Not all buckets cost the same amount nor warrant the same priority. Elders and Trustees have been listening to the congregation. In these early stages, we have prioritized those expenditures. They are as follows:

  • Accelerated Debt Payments
  • Parking Lot Overhaul ($500,000 is the worst case scenario—52+% of campaign)
  • Worship Center Seating (and the carpet underneath it.)

Accelerated Debt Payments

Even before we asked the congregation to participate financially, we heard the two-fold concerns of some in the congregation:  

1) not take on more debt, and

2) ensure that our current debt (roughly $350,000) payments are accelerated.

Our current debt comprises a personal, interest free loan with a current balance of $. Our plan, that was implemented Nov 1, 2022, is to pay off that loan by June 30 of 2023. Additionally, we committed to pay on our low-interest bank loan at a rate of $3,250 through June 2023, and then beginning July we will pay down the bank loan at a rate of $4,750 per month to the end of the loan term. That bank loan will balloon in March 2026 at which point we will need to refinance. 

Some have asked we haven’t paid off the debt thus far. This relates to the rate of inflation of expenditures we know we need to incur; an inflationary rate that exceeds that of the low-interest loan rate.  

When we discuss our plan to not incur any long-term debt, we some “tools” in our toolbox. We have a healthy balance in our bank account as a matter of course. Our guideline is to keep about three months of operating expenses in reserve. So we would sooner “borrow” from ourselves than take on additional debt. For example, we may borrow from ourselves, in order to place down payments on high ticket items, for example. 

Parking Lot Overhaul

This is our next priority. Our parking lot gets daily use. We have gone through extensive due diligence to vet 3 different companies. Further, one individual (and the leadership of that business) in our congregation has agreed to act as the general contractor for this capital improvement with their fees simply covering the hard costs incurred. So even a worst case scenario keeps us in the zone of our budgeted amount.

Parking lots are more complex than throwing down some asphalt and calling it good. In fact, parking lot longevity is directly correlated to the layers of soil, stone, and other layers underneath what we see and drive on. So when we talk about “worst case scenario” we are referring to what type of erosion has occurred over 22 years and the earth moving that may be needed; something we won’t’ fully know until the parking lot revamp is underway. We do know our water table has been high in various parts of the parking lot, but we don’t know the extent to which major surgery will be needed under the parking lot until we are able to see it.

The parking lot is a great example of what it means to step out in faith, holding in tension good stewardship. For example, we could have chosen to pave the parking lot in three stages. This might have reduced our total campaign amount down to $650k (vs. $950k). At the same time the sheer magnitude of the equipment and volume of material required for a parking lot overhaul—staged 3 times—would cost us perhaps $50 or $60k more to stretch this project over three phases. Additionally the rate of inflation is increasing at higher rates than we can borrow money from ourselves or temporarily from our line of credit. 

So while a $650k campaign might feel more humanly comfortable and achievable in the short run, it is more costly and may not be the best stewardship over the long haul. 

We are grateful for a subset of our trustees that have spent hours vetting several companies and have been wrestling with the many crucial details related to the cost, timing, and quality so that this next iteration of the parking lot will last another 20 years!

Worship Center Seating 

Three of the “buckets” we are seeking to tackle with this campaign are somewhat intertwined with Worship Center seating. 

1) Removing seating in the worship center necessitates replacing the carpet under the pews, which

2) leads to the carpet in the balcony and stairwells (which is the only remaining vestige of surface—including green railings—that has not been refreshed in the building), with the exception of

3) about 100 chairs that usually reside in the Creekside and Courtyard rooms that are also green fabric. 

We have researched carpet and painting as it relates to process, timing and logistics, quality, and cost in mind. Again, we have people in our congregation that work in these industries that desire to help us out in any way they can. We are grateful for those doing the due diligence and also for those offering up their expertise and assistance in these ways.

As for the chairs specifically, we are vetting 3 different companies. Chair technology has indeed changed over the years. And we have spent hours listening to the pros and cons of various seating options. Comfort, flexibility, durability, stackability, maintenance, aesthetic appeal, and cost…all values we are seeking to balance. A team of people will be providing input into any final decision. At this point, however, no decision has been made but for the fact we are confident we are exploring the products of some of the best companies. 

In the midst of the discussion about seating and strong attachments to certain types of seating in a church service and worship center setting, a more fundamental reality is worth noting.

The individual that repairs our pews has indicated that some of our pews are approaching the end of their life. While the pews look safe and sturdy, a few of them are not. Twenty-two years of wear and tear is bound to deteriorate all things—especially sturdy-looking pews that actually have a rich wood veneer but are made of particle board. 

In terms of costs, at this point we haven’t experienced any surprises—except perhaps positively. Meaning we may have an opportunity to spend less than anticipated given the options available as well as the input of those in our congregation that can help with this project.

Welcome Home!

It’s not just the subject matter to a sermon series, it’s also the theme to our proposed capital campaign.The church—the local church—is God’s plan A to share Christ with a lost and hurting world. The church is not the building, rather the church building is a home for His Church to gather to worship Him as we engage in authentic relationships through genuine community in order to individually and corporately reflect Christ more vividly each and every day.

Over a year ago we concluded our Project Renewal campaign. During that campaign we were able to hit the refresh button on most of the spaces inside our facility. We also added a Family Entrance and geared our facility toward even more flexible and adaptable ministry spaces.

As we launched the prior campaign, we knew that the age of our facility and the amazing opportunities God was placing in front of us would eventually require further investment beyond the success of Project Renewal.

Which is why we are so excited to reveal the next step in our pursuit of God’s will for Rush Creek: The Welcome Home! Campaign

Grace Of God

Rush Creek’s ministry is now in its 22nd year here in Byron Center. One doesn’t need to look far to evidence God at work in those who call Rush Creek their church home. A few conversations in the hallway on Sunday morning and you will meet those energized by men’s and women’s ministries, single ministries, community groups for all ages and stages of life. You will see children and students as well as new and seasoned Rush Creek families and individuals contributing to the life of this church and in their spheres of influence.

If you wander through the halls or even drive by the Rush Creek campus throughout the week, that same vibrant scene and more of those same opportunities can be evidenced nearly every day. While the building is not “the church,” our church building, facilities, and campus daily facilitate the authentic relationships and genuine community that can be found by those served on our campus here at Rush Creek. Inside those doors, the Church—God’s people—are intentionally equipped to become a more vivid reflection of Christ.

By God’s grace, extensive use of our campus is the blessing that leads us into this Welcome Home! Campaign. To whom much is given, much is required. And the blessing of such an amazing campus—gently used each and every day by hundreds of individuals— requires time, attention, finances, and resources beyond our annual ministry budget to continue to extend the ministry of our campus to the communities God has called us to serve.

Did You Know?

Rush Creek plays host to over 10 weekly ministry partners and community efforts, and over two dozen unique ongoing ministries of our church.

Each month we conduct or play host to over 100 unique ministry events.

On average, over 400 individuals engage in ministry on our campus each day.

Welcome Home! Campaign

Parking Lot Replacement -$500,000

The need to re-pave the parking lot is both a visible and felt need (literally). It may be helpful to know that our Trustees have thoroughly researched the economies of scale for replacing portions of the parking lot serially vs. repaving the whole parking lot at one time. The recommendation is that we would be better served and will save tens of thousands of dollars if we replace it all at one time. We have budgeted $500k and will aim toward replacing the parking lot in the Spring due to cash flow and optimal time of year for repaving. We won’t know for sure the full cost until we are ready to sign a contract closer to Spring.

Flat Roof Repair -$20,000

A prominent issue that our leadership team is passionate to address is the leak in/near the flat roof. This leak has been around for 15+ years. From an outside perspective, it is logical to ask why the problem hasn’t been addressed. Many attempts have been made, in fact. Yet, leaks are tricky things. And no contractor thus far—and there have been many—has been able to identify the breach or source of the leak. The roof wasn’t engineered with a potential for re-roofing in mind. Additionally our 22 year-old HVAC units (replacement cost of around $250k) complicate the diagnosis and therefore the fix. With the $20k we have a plan/quote to try one more “fix.” We may not definitively know if this attempt will have fixed the problem until Spring. But we believe it to be good stewardship to try this one last approach, as the more likely and assured fix would be closer to $500k including the replacement of the HVAC units.

The Outpost Due Diligence -$20,000

During one of our all-leadership team meetings, the most vibrant discussion centered around a new ministry building adjacent to our garage; this would both expand our opportunities for our student ministries, as well as provide a versatile multi-generational space and indoor/outdoor opportunities. This $20k allows us to dive deep into due diligence and planning to count the cost. This will include renderings, architectural designs, and perhaps even pulling heftier electrical and plumbing toward that area before/while the parking lot is being repaved.

Enhanced Security -$20,000

With the privilege of hosting on-campus an average of 400 people per day during the ministry year, we have a continuous need to enhance our security and the safety of our facilities. This campaign allocates $20k for specifically increasing the number of cameras, upgrading software, as well as retrofitting a handful of doors for security purposes. Paired with this financial investment, our security team leaders have defined roles and responsibilities, provide regular training, have expanded our team, and have developed increasingly intentional protocols for both physical and medical safety in order to be good stewards of the safety for those who God brings through our doors.

Replace Padded Seating Church-Wide -$225,000

This campaign proposal seeks to replace our current seating in the Worship Center, the Creekside Room, the Parkside Room, and the Courtyard Room. The proposal is to replace the pews in the main floor of the worship center with chairs. Further, the plan would be to include replacing the pews in the balcony with theater-style seating. Finally, there are a hundred and fifty green chairs throughout the building that would be replaced by purchasing matchingl padded seating throughout our church. Seating is among the last areas of the building that was not “renewed” during Project Renewal. An FAQ sheet regarding the rationale for changing from pews to chairs is available at the Connection desk. The cost of replacing seating is $225k.

Replace Carpet and Paint in Worship Center, Stairwells, and Balcony -$80,000

The last areas of the building that need to be refreshed to match the aesthetic of the rest of the building include the main floor of the worship center, the stairwells leading up to the balcony, and the balcony itself. What it means to finish these areas well is to re-carpet, paint the railings, and replace the modesty panels in the balcony. Based on our due diligence we have budgeted around $80k for these things.

Enhanced Website & Digital Presence -$10,000

The vast majority of those who visit Rush Creek have already checked us out online… and have done so over a period of time. In today’s world there is no need to guess whether a church might be a good church to attend. That decision is made well before they ever set foot on our campus. Our website hasn’t had a hard reset in over a decade, and it shows. Additionally, our iPhone and Android apps are defunct because it is not sustainable to maintain both an app and website separately. Further, since COVID we went from a monthly printed newsletter to a weekly e-newsletter and we rely even more heavily on social media avenues of communication to keep families informed in real-time. This $10k investment in our digital presence, the new front door to Rush Creek, will enhance our communication to our surrounding community.

Transportation -$25,000

Use of the church van, bus, and trailer is extensive. We average 15 van uses per month for 5 ministries. We also share use of the van with our sister churches Grace Bible Fellowship, Celebration Bible Church, and Frontline Bible Church. Bus use almost single handedly makes Drop Zone possible. While we use the bus once a week this year for DropZone, we’ve used it up to 3 times a week in the not too distant past. Current bus use averages 5 times a month with additional usage for special events. We also share our bus with Grace Bible Fellowship and Celebration Church. On average we transport 60 students per week with a vehicle that is road worthy within the Greater Grand Rapids area. Based on the age and lifecycle of these vehicles we would be remiss to not be planning to replace a vehicle over the next year.

Servicing Debt -$50,000

At the time of this writing, Rush Creek has about $350k of debt remaining which was incurred during Project Renewal. The Trustees have been intentional in discerning an accelerated rate of payment given the low cost of money and the high capital replacement costs due to inflation. With this campaign the Trustees plan to continue to service this debt at an accelerated rate. Further there are no plans to increase the long term debt as we embark on this campaign. The Trustees will pay close attention to the financial commitments made during this Welcome Home! Campaign and plan accordingly. They are already beginning to prioritize the timing of when and how the projects will be completed to match lead times while considering cash flow realities.

Welcome Home! Campaign Total - $950,000

A few things about your financial or
in-kind gifts…

5

Only you, our staff accountant, and our church treasurer will know your pledges and gifts.

5

Your pledges and gifts are made and held confidentially.

5

Any pledges, are really promises made in good faith. We recognize that unforeseen circumstances arise that may alter the timing or amount of intended giving.

Frequently Asked Questions

We are grateful that 32 leaders in this church prayerfully considered, planned, and introduced this campaign to the congregation. Those same leaders were among the first to financially participate in the campaign. We are thankful to God for the unity, the community that continues to strive to be a reflection of Christ.

The approval of the congregation in October 2022 was to both raise and spend up to $950,000 for improvements and even laying groundwork for additional facilities. The leadership is committed to continuing to use prayerful discernment as to how, how much, and when to spend the dollars that are committed in this campaign. In other words, we will continue to sift those decisions through that lens of stewardship; God’s design an our faithfully following of that design for His ministry here at Rush Creek.

Why this campaign now?
Many additional capital items have come to the end of their life. We knew this would be the case as we embarked on Project Renewal (our last campaign). We have been able to tackle other capital replacements since that last campaign (like the entire replacement of our shingled roof!), but there is more to do. Additionally, around 40% of those who actively call Rush Creek their home church were not here during the last campaign. Despite the economy, giving remains strong, the Lord is at work, the capital replacement needs are real, and the leadership has been praying about each facet of this campaign for over one year.
Why tackle so much?
Over half of the capital campaign budget is to replace the parking lot. As leadership prayed over which capital replacements to tackle in the next year and half, we discerned that more money would be unnecessarily spent repaving the parking lot in two or more stages. And while some are asking the question “why tackle so much?”, others are asking the question “why not tackle more?” Both great questions that anchor us in prayer.
Is this the last campaign for a while?
No. We have literally dozens of furnaces, a/c units, large air handling units, a flat roof, and other expenditures that we can anticipate even after this campaign. With this current campaign, we are also laying groundwork for a new outbuilding for which the cost would potentially be paid for through a follow up campaign. What the congregation has approved is the next set of expenditures. With $7+ million dollars in insurable assets—to whom much is given, much is required.
Do we set aside money each year since we know that big ticket items will need to be replaced?
Our current annual ministry budget exceeded one million dollars for the first time this year. We are thankful that even in challenging economic times, God blesses us with the income for such a significant annual budget and amazing ministry opportunities. Philosophically, we have chosen to spend ministry dollars on today’s ministry. Historically we have chosen to tackle capital improvement and replacement, in large part, through capital campaigns. Additionally, a guideline has been to move income in excess of three months operating expenses from the ministry fund into the capital replacement fund. This important topic is something we revisit each year as leadership.
Why do we still have debt?
While we incurred some debt during Project Renewal, since then we have also chosen to tackle a few additional big ticket items such as reshingling our entire roof and repaving office parking spots with concrete in lieu of paying off debt. The choice has been made to not gamble with inflation, nor potentially incur higher interest rates. We could service our entire debt in full today if needed.
When will we pay off that debt?
Fifty thousand dollars is part of this campaign in order to continue making accelerated debt payments. If someone would like to designate their giving to paying off debt we are certainly open to that. At our current interest rate and the effect of inflation on capital replacement costs, we will carry a low interest rate loan as well as a no interest personal loan and continue to pay monthly. At our rate of payment/interest, our debt will be paid off in 2026, with the loan maturing in 2024. Immediately after the vote to proceed with the campaign, the Trustees sat down together to make sure we addressed the plan for debt first and foremost.
Will we incur more debt with this campaign?
No. Not long-term debt. The plan is to address these items in such a way that we borrow only for cash flow purposes. This means that as we anticipate healthy lead gifts and pledges, any initial borrowing would first be from ourselves. Rush Creek maintains a very healthy bank account balance. Second, we may need to dip into our low interest rate line of credit to manage cash flow prior to promised monies being given.
How long is the Welcome Home! Campaign?
The campaign is 14-months long spanning November of ‘22 through December of “23, encompassing two end year-end giving opportunities. Historically calendar year-end is consistently when our congregation demonstrates incredible financial generosity.
Can I designate my giving?
Yes. While general giving allows the most flexibility to accomplish the many tasks at hand, in years’ past, designated giving can also be a powerful encouragement to the congregation as well.
Who is being asked to give toward this campaign?
The short answer is everyone! In early November we asked the entire congregation to participate in the campaign. On Sunday morning you often hear us talk about the other ministries that use Rush Creek throughout the week. We will also avail to their leadership some giving opportunities for those in their programs.
What if we don’t meet our financial goal in pledges?
Historically, giving to campaigns exceeds what is pledged. This was true for our most recent campaigns. That to say, there is not a simple formula to know if we are on track. We are stepping out in faith. Faith, according to Scripture, is the assurance of the things hoped for; the conviction of things unseen. Humanly, it’s comfortable to know to have assurances. Yet, faith is what prompts us to rely on God’s provision. At the same time, we are attempting to tackle many different projects. And we can and will minimize our financial exposure simply by planning well the timing of our capital replacements/improvements.
Is all church leadership behind this campaign?
Yes. No one person is driving this agenda. This is our first campaign under a new leadership structure of the church and the unity has been a huge blessing navigating through a slightly different process. Among the Elders, Deacons, Trustees and Staff, all have shown unity moving forward there is no indication there will be anything less than 100% financial support behind this campaign.