Just had a quick look at last years accounts - what is the plan with the £40K in the bank? You've effectively got 20 years cost coverage even without a single membership renewed. Credit card charges also make up 9% of your total cost base, in any other business or charity that's wild. It also offsets making any money on interest - and you aren't going to get much interest on £40K anyhow.
My view is there isnt any need to carry a massive surplus - can't some be distributed to good causes, or something in the community, welcome to ideas.