The structure Of NFPs also contributes to their vulnerability. Many civic organizations or local chapters of large organizations can be quite small, with most of the oversight responsibility delegated to an individual. Most churches in the u.s., for example, have fewer than 200 active members. Often, the pastor is the only fulltime worker, performing all the duties for which there are no volunteers. The pastor usually has little, if any, training in business administration. Still, pastors frequently find themselves serving as both Chief Executive Officer and Chief Financial Officer.