Some time ago, I was reading (I think) "Sacraments and Their Celebration" by Nicholas Halligan (Alba House, 1986); a book on Roman Catholicism. It referred to the "cult of the Virgin Mary", and obviously the author did not think this was either bad or unusual. Looking in the "Modern Catholic Dictionary" by John A Hardon (Doubleday, 1980), I see cult defined as "a definite form of worship...sometimes rendered "cultus" esp. when referring to the worship of the saints. Also a particular religious group centered around some unusual belief, generalally transient in duration and featuring some exotic or imported ritual and other practices." A sect is "An organized body of dissenters from an established or older form of faith..." Since you didn't mention just what you are a member of, you have to decide what to call it. As long as they aren't trying to separate you from friends and family, or "encouraging" you to put all of your money into their keeping (the usual "dangerous cult" signals), it probably doesn't matter which it is, if either.