I point out in another comment that, charitably, congregations receive about 8% of donations back to fund local congregations, often several multiples less. Some congregations I saw send about $25k/week on average for ~200 congregants, and have an $8k budget (about twice that if you account for mainteance, about about $20k when taking charitable giving of food and bill payment into account). What was most disappointing was the training of how to get people with long term needs off of the congregation's dime.
I think the Mormon church would do well to adopt a less centralized form of governance, treasury, and cash management.