Churches Charitable?

I know many people who donate money to charity through churches, but is that really the best way to help those in need? I was taught in high school that a good charity should be spending 90% of its budget directly helping people. From what I have heard the Catholic church spends less than 10% on charitable efforts. This is not acceptable. Money donated should be used to help people, not to support a wealth bleeding system. My girlfriends grandmother was asked for 200 thousand dollars in order to cover a down payment for a new church. That particular perish had built a new church less than five years ago. Building new and extravagant buildings is wasting the perishes money.

I am not trying to discourage people from giving to charity. I just think that people should think about where their money is really going, and if it is actually helping people or just helping to pay for the solid gold statue of Jesus. Look at the Bill and Melinda Gates Foundation, now there is a charity run by financially smart people who figure out how to help people the best for the money spent. Well organized charities help people far more efficiently than the average church. What really makes more sense for helping people.