Do you have any data or personal experience (not just one example) to back that up?
The truth is, the vast majority of churches and local faith-based charities just quietly do their thing and usually aren’t big enough to garner any recognition or attention at scale.
Actually, it’s the big operations with money flowing to a central hub that are usually the most suspect - when those at the top have less accountability and more temptation to not put all that money where it ought to go. The American Red Cross comes to mind. The only exception is large charities with a “100% of donations go to help people” policy (i.e. employees and leaders have to raise their own support to work there).