KatherineB
you should not be concerned
Let me explain. You have identified that there is a loan to be repaid: you have identified that the Capital Works Fund is probably underfunded. You have identified that there is a risk that a future capital works bill may need extra funding.
You need to decide. If there is a big bill for repairs that comes in, am I in a position to be able to pay it?
It would be worse if you knew nothing of the above an walked in blind.