To be honest, I don't know. From just the writing, it's ambiguous, it could be either.
It could be someone who just passes the plate on without donating, and it could be that he he is there, being part of the collection. Perhaps it's a phrase I haven't heard.
The rest of the sentence doesn't really help, as it gives ambiguous clues: He is tight, i.e. stingy, so therefore likely to avoid donating, but also upright, so therefore unlikely to shirk his social duties.
It may not help that I don't understand 'mortgage fancier' either.