Quick charity verification for Cumberland Club (EIN: 10052260)
Verdict: Cumberland Club appears trustworthy
75/100Mission Score
$2.4MRevenue
$1.9MAssets
2Red Flags
5Strengths
Red Flags
Lack of detailed program vs. administrative spending breakdown in provided data, limiting granular efficiency analysis for a traditional charity perspective.
NTEE code N50 (Social & Recreational Clubs) indicates it's not a traditional public charity, which might be a 'red flag' for donors expecting direct charitable impact.
Strengths
Consistent revenue growth, with 202312 revenue at $1,655,969, up from $1,005,864 in 201912.
Healthy asset accumulation, reaching $1,799,731 in 202312.
Consistent generation of financial surpluses in recent years, demonstrating sound financial management (e.g., $370,702 surplus in 202312).
No reported officer compensation across all filings, suggesting low executive overhead.
Manageable liabilities relative to assets, indicating good financial control.
Spending Breakdown
How Cumberland Club allocates its funds across programs, administration, and fundraising.
80%
Program Spending
Healthy — majority goes to mission
15%
Admin Costs
Reasonable — admin costs in check
5%
Fundraising
Within typical range
How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.
How to Interpret This Report
What Red Flags Mean
Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.
What Mission Score Measures
The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.
Using This Data for Donation Decisions
Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.
Frequently Asked Questions about Cumberland Club
Is Cumberland Club a legitimate charity?
Based on AI analysis of IRS 990 filings, Cumberland Club (EIN: 10052260) appears trustworthy. Mission Score: 75/100. 2 red flags identified, 5 strengths noted.
Is Cumberland Club a good charity to donate to?
Cumberland Club has a Mission Score of 75/100. Revenue: $2.4M. Assets: $1.9M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Cumberland Club?
The Employer Identification Number (EIN) for Cumberland Club is 10052260. This is the unique tax ID assigned by the IRS.
What is a Mission Score?
The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.
How does Cumberland Club spend its money?
Cumberland Club allocates 80% to programs, 15% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Cumberland Club's tax-exempt status?
You can verify Cumberland Club's tax-exempt status using EIN 10052260 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.
AI Transparency Report
The Cumberland Club demonstrates a generally stable financial position with consistent revenue growth over the past several years, culminating in $1,655,969 in revenue for the 202312 period. The organization has consistently maintained positive net assets, reaching $1,799,731 in 202312, indicating a healthy balance sheet. Their liabilities have fluctuated but remained manageable relative to assets, with a liability-to-asset ratio of approximately 15.3% in 202312 ($275,819 / $1,799,731).
Spending efficiency appears strong, as evidenced by the consistent generation of surpluses in most recent years (e.g., $1,655,969 revenue vs. $1,285,267 expenses in 202312). The NTEE code N50 typically refers to social and recreational clubs, which often have a different operational structure than traditional public charities. The absence of reported officer compensation across all filings suggests that executive leadership may be volunteer-based or compensated through other means not categorized as officer compensation on the 990, which can be a positive indicator for donor confidence regarding overhead.
Transparency is generally good through its consistent 990 filings. However, without a detailed breakdown of program service expenses versus administrative and fundraising costs within the provided data, a precise assessment of spending efficiency towards its stated mission (as a social/recreational club) is limited. The consistent growth in assets and revenue, alongside controlled expenses, points to sound financial management.