Sounds like your church knows what to be good stewards of the money that best serves God by serving others with it. My experience is that a church that practices Christian principles will not hoard its offerings, but will also thrive and grow in its ability to use the money for Godly causes.
Our Stewardship Committee leaders grumble that the congregation is better at giving for “causes” than to keep the lights on, but we’ve managed to keep Duke Power happy somehow, as well as doing all the missions support. God provides!