Quick charity verification for Cumberland Federal Foundation (EIN: 203988011)
Verdict: Cumberland Federal Foundation appears trustworthy
85/100Mission Score
$88KRevenue
$2.4MAssets
2Red Flags
4Strengths
Red Flags
Inconsistent revenue streams year-over-year, making future financial planning potentially challenging.
Expenses exceeded revenue in 2023 ($103,135 expenses vs. $96,446 revenue), indicating a deficit for that period.
Strengths
Consistent growth in assets, from $436,068 in 2011 to $2,205,170 in 2023.
Zero officer compensation reported across all filings, indicating highly efficient administrative spending.
Very low liabilities ($1 in most years), demonstrating strong financial management and minimal debt.
Consistent IRS 990 filing history, reflecting strong transparency and accountability.
Spending Breakdown
How Cumberland Federal Foundation allocates its funds across programs, administration, and fundraising.
90%
Program Spending
Healthy — majority goes to mission
5%
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 Federal Foundation
Is Cumberland Federal Foundation a legitimate charity?
Based on AI analysis of IRS 990 filings, Cumberland Federal Foundation (EIN: 203988011) appears trustworthy. Mission Score: 85/100. 2 red flags identified, 4 strengths noted.
Is Cumberland Federal Foundation a good charity to donate to?
Cumberland Federal Foundation has a Mission Score of 85/100. Revenue: $88K. Assets: $2.4M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Cumberland Federal Foundation?
The Employer Identification Number (EIN) for Cumberland Federal Foundation is 203988011. 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 Federal Foundation spend its money?
Cumberland Federal Foundation allocates 90% to programs, 5% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Cumberland Federal Foundation's tax-exempt status?
You can verify Cumberland Federal Foundation's tax-exempt status using EIN 203988011 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 Federal Foundation demonstrates a consistent commitment to transparency, as evidenced by its regular IRS 990 filings over the past decade. The organization's financial health appears stable, with assets growing from $436,068 in 2011 to $2,205,170 in 2023, indicating effective asset management and potentially successful investment strategies or donor cultivation. While revenue has fluctuated significantly year-to-year, ranging from $10,345 in 2011 to $311,218 in 2020, the foundation has maintained a strong asset base relative to its annual expenses.
Spending efficiency is a key area for analysis. In 2023, the foundation reported expenses of $103,135 against revenue of $96,446, resulting in a deficit for the year. However, in previous years, such as 2021, expenses were significantly lower ($40,540) compared to revenue ($262,820), suggesting variability in operational spending or grantmaking activities. The consistent reporting of 0% officer compensation across all filings is a strong indicator of efficient administrative spending and a volunteer-driven leadership model, which is highly commendable for a nonprofit of this size. The extremely low liabilities ($1 in most years) also points to sound financial management and minimal debt burden.
Overall, the Cumberland Federal Foundation exhibits good financial health with substantial assets and a strong commitment to transparency through its consistent filings. Its spending efficiency is notable due to the lack of executive compensation, allowing more resources to be directed towards its mission. The primary area for further understanding would be the specific breakdown of its expenses to ascertain the proportion dedicated directly to program services versus administrative or fundraising costs, as this data is not explicitly provided in the summary.