Kasz216 said:
Religion is basically a giant salvation army... it coaxes charitable giving out of people far better then anything atheists have currently.
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I have to agree with you on the community-based hypothesis on being the main explanation behind why the religious are often more charitable than non-theists. Not unlike how fire victims in small communities are often widely supported by the peers compared to those in larger communities (going of pure anecdotal evidence and personal observation, though I doubt anyone would contest) or how schools are more charitable than your random group of equivilent-sized individuals.
However, as you'd mentioned, I'm not sure this correlation can tell us anything useful about the individual - to which we're speaking of, of course. Like you, I'd be interested in seeing a study with a sample of religious individuals who are not members of any religious-based community. To my knowledge, no such study exists. Therefore I don't think any of these statistics are pertinent to the discussion at hand. We're not comparing Atheist communites (Do they even exist?) to religion based ones.
Secondly, I'm unsure that we could even derive moral character from something like charitable donations/time. There are so many variables here to be considered, I'd think it'd be near impossible to make any telling conclusions. In terms of time, atheists, statically speaking, make more money on average. Do they spend more time working? I have no idea. It's just simply one vaviable to be considered. In terms of money, atheists tend to be more liberal which would imply a wider belief in progressive taxing, expecting government to approiately spend the money where necessary (charity). Whether or not we agree with this method and claim that it is simply placing the responsibility on someone else is besides the point - they may believe that they are constructively contributing charitably (assonance ftw!), hence upholding their moral character.
Anyhow, I feel as if all of what I wrote as a whole is sort of side-stepping what I'm trying to say. We need to be speaking of the individual, not of a group - there needs to be a control variable here. Comparing loosely related individuals to communities is frankly dishonest. Not to say that you were, you wholely acknowledged the fact that a more fair study needed to be done... I just worry that's what it'd turn into. It's not really a reply to you, Kasz, so much as I'm just saying in general.