Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot
Charitable Trust consistently spends more than it earns, drawing down assets.
EIN: 16084838 · Falmouth, ME · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Expenses | $17K |
| Program Spending | 80% |
| Net Assets | $235K |
| Transparency Score | 65/100 |
Is Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot (EIN: 16084838) is a nonprofit organization based in Falmouth, ME. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot is a micro nonprofit, with 5 years of IRS 990 filings on record (2011–2015). Revenue has grown at a compound annual rate of 4.0%.
Key Financial Metrics (2015)
From the most recent IRS 990 filing on record:
| Total Revenue | $11K |
| Total Expenses | $17K |
| Surplus / Deficit | $-6,415 |
| Total Assets | $235K |
| Total Liabilities | $1 |
| Net Assets | $235K |
| Operating Margin | -59.0% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 163.2 months |
Financial Health Grade: B
In 2015, Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot reported a deficit of $6K with expenses exceeding revenue, holds 163.2 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 5 years of filings (2011–2015), Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot's revenue has grown at a compound annual growth rate (CAGR) of 4.0%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2015 | +9.8% | +5.6% | -2.7% |
| 2014 | +3.4% | +8.4% | -2.6% |
| 2013 | +9.7% | +2.6% | -2.2% |
| 2012 | -6.2% | -10.9% | -2.3% |
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot with a Mission Score of 65 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 20%
- programs: 80%
- fundraising: 0%
According to IRS 990 filings, Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot allocates its expenses as follows: admin: 20%, programs: 80%, fundraising: 0%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2015)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $6K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
The organization reports 0% officer compensation across all five years, indicating that no executive salaries are being paid from the trust's funds, which is highly favorable for resource allocation.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot's IRS 990 filings:
- Consistent deficit spending, with expenses exceeding revenue by $5,000-$7,000 annually.
- Declining asset base, from $259,453 in 2011 to $235,048 in 2015, indicating a spend-down of principal.
- Lack of detailed program expense breakdown in the provided summary, making it hard to assess specific impact.
Strengths
The following positive indicators were identified for Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot:
- Zero officer compensation reported across all filings, indicating efficient use of funds for non-executive purposes.
- Consistent filing of IRS Form 990s, demonstrating transparency in financial reporting.
Frequently Asked Questions about Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot
Is Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot a legitimate charity?
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot (EIN: 16084838) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 65/100. It has 5 years of IRS 990 filings on record. 3 red flags identified. 2 strengths noted. Financial health grade: B.
How does Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot spend its money?
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot directs 80% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot tax-deductible?
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot is registered as a tax-exempt nonprofit (EIN: 16084838). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot located?
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot is headquartered in Falmouth, Maine and files with the IRS under EIN 16084838.
How many years of IRS 990 filings does Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot have?
Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot has 5 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends.
What are the specific programs or beneficiaries supported by this trust?
The provided data does not detail the specific programs or beneficiaries. Further investigation into the trust's governing documents or more detailed 990 schedules would be needed.
Why does the trust consistently spend more than its revenue?
The trust consistently spends more than its revenue, with expenses ranging from $14,715 to $17,280 against revenues of $8,725 to $10,865. This suggests it is intentionally distributing more than its annual income, drawing down its principal assets.
What is the long-term plan for the trust's declining assets?
With assets declining from $259,453 in 2011 to $235,048 in 2015 due to consistent deficit spending, the trust's long-term sustainability is questionable without a strategy to increase revenue or reduce expenses/distributions.
Filing History
IRS 990 filing history for Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot showing financial trends over 5 years of public records:
Over 5 years of IRS 990 filings (2011–2015), Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot's revenue has grown by 16.8%, moving from $9K to $11K. Total assets decreased by 9.4% over the same period, from $259K to $235K. Total functional expenses rose by 4.6%, from $17K to $17K. In its most recent filing year (2015), Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot reported a deficit of $6K, with expenses exceeding revenue. The organization holds $1 in liabilities against $235K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $235K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2015 | $11K | $17K | $235K | $1 | — | View 990 |
| 2014 | $10K | $16K | $241K | $1 | — | View 990 |
| 2013 | $10K | $15K | $248K | $1 | — | View 990 |
| 2012 | $9K | $15K | $253K | $1 | — | View 990 |
| 2011 | $9K | $17K | $259K | $1 | — | View 990 |
Year-by-Year Financial Summary
- 2015: Revenue of $11K, expenses of $17K, and assets of $235K (revenue +9.8% year-over-year).
- 2014: Revenue of $10K, expenses of $16K, and assets of $241K (revenue +3.4% year-over-year).
- 2013: Revenue of $10K, expenses of $15K, and assets of $248K (revenue +9.7% year-over-year).
- 2012: Revenue of $9K, expenses of $15K, and assets of $253K (revenue -6.2% year-over-year).
- 2011: Revenue of $9K, expenses of $17K, and assets of $259K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot:
Data Sources and Methodology
This transparency report for Charitable Trust Uw Of Harry E Cummings C/O Donald E Talbot is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.