Cumberland Federal Foundation
Cumberland Federal Foundation maintains substantial assets with zero officer compensation amidst fluctuating revenues.
EIN: 203988011 · Cumberland, WI · NTEE: T20 · Updated: 2026-03-28
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90% program spend, health grade B
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| Metric | Value |
|---|---|
| Total Revenue | $88K |
| Total Expenses | $103K |
| Program Spending | 90% |
| Net Assets | $2.2M |
| Transparency Score | 85/100 |
Search Intent Cockpit
Cumberland Federal Foundation Form 990, Revenue, CEO Pay, and IRS Filing Signals
Cumberland Federal Foundation is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Cumberland Federal Foundation in one place.
Form 990 Filing Summary
10 filing years are available, with latest revenue of $96K and expenses of $103K.
Revenue and Expenses
Cumberland Federal Foundation reported $96K in revenue and $103K in expenses, a deficit of $7K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 4 strengths are shown from structured and AI review.
Is Cumberland Federal Foundation Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $93K (90%) |
Across stored filings, Cumberland Federal Foundation shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade B | 10 stored filing years |
| Peer context | Compare with National Tribal Childs Support Association | Wisconsin and Philanthropy context |
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Cumberland Federal Foundation directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Cumberland Federal Foundation
Cumberland Federal Foundation (EIN: 203988011) is a nonprofit organization based in Cumberland, WI, classified under NTEE code T20. The organization reported total revenue of $88K and total assets of $2.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Cumberland Federal Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Cumberland Federal Foundation is a micro nonprofit that has been operating for 19 years, with 10 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 20.4%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $96K |
| Total Expenses | $103K |
| Surplus / Deficit | $-6,689 |
| Total Assets | $2.2M |
| Total Liabilities | $1 |
| Net Assets | $2.2M |
| Operating Margin | -6.9% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 256.6 months |
Financial Health Grade: B
In 2023, Cumberland Federal Foundation reported a deficit of $7K with expenses exceeding revenue, holds 256.6 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 10 years of filings (2011–2023), Cumberland Federal Foundation's revenue has grown at a compound annual growth rate (CAGR) of 20.4%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -33.5% | +10.6% | +11.6% |
| 2022 | -44.8% | +130.1% | +22.1% |
| 2021 | -15.6% | -22.7% | +15.9% |
| 2020 | +66.1% | +0.1% | +22.7% |
| 2019 | +356.5% | -48.6% | +84.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2007 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Cumberland Federal Foundation with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 5%
- programs: 90%
- fundraising: 5%
According to IRS 990 filings, Cumberland Federal Foundation allocates its expenses as follows: admin: 5%, programs: 90%, fundraising: 5%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $7K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating a volunteer-led structure and highly efficient use of funds by avoiding significant salary expenses for its leadership.
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 Cumberland Federal Foundation's IRS 990 filings:
- 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
The following positive indicators were identified for Cumberland Federal Foundation:
- 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.
Frequently Asked Questions about Cumberland Federal Foundation
Is Cumberland Federal Foundation a legitimate charity?
Cumberland Federal Foundation (EIN: 203988011) is a registered tax-exempt nonprofit based in Wisconsin. Our AI analysis gives it a Mission Score of 85/100. It has 10 years of IRS 990 filings on record. Total revenue: $88K. 2 red flags identified. 4 strengths noted. Financial health grade: B.
How does Cumberland Federal Foundation spend its money?
Cumberland Federal Foundation directs 90% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Cumberland Federal Foundation tax-deductible?
Cumberland Federal Foundation is registered as a tax-exempt nonprofit (EIN: 203988011). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Cumberland Federal Foundation's spending goes to programs?
Cumberland Federal Foundation directs 90% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Cumberland Federal Foundation compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), Cumberland Federal Foundation is above average for NTEE category T20 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Cumberland Federal Foundation located?
Cumberland Federal Foundation is headquartered in Cumberland, Wisconsin and files with the IRS under EIN 203988011. It is classified under NTEE code T20.
How many years of IRS 990 filings does Cumberland Federal Foundation have?
Cumberland Federal Foundation has 10 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $88K in total revenue.
Is Cumberland Federal Foundation a good charity?
Based on the provided data, the Cumberland Federal Foundation appears to be a good charity. It demonstrates strong financial health with growing assets ($2,205,170 in 2023), excellent transparency through consistent IRS 990 filings, and a highly efficient operational model with 0% officer compensation reported across all years.
How has the foundation's asset base changed over time?
The foundation's assets have shown significant growth, increasing from $436,068 in 2011 to $2,205,170 in 2023, indicating successful asset management and accumulation over the past decade.
What is the trend in the foundation's revenue?
The foundation's revenue has been highly variable, ranging from a low of $10,345 in 2011 to a high of $311,218 in 2020, and most recently $96,446 in 2023. There isn't a clear consistent upward or downward trend, but rather significant fluctuations year-to-year.
Filing History
IRS 990 filing history for Cumberland Federal Foundation showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2023), Cumberland Federal Foundation's revenue has grown by 832.3%, moving from $10K to $96K. Total assets increased by 405.7% over the same period, from $436K to $2.2M. Total functional expenses rose by 5130%, from $2K to $103K. In its most recent filing year (2023), Cumberland Federal Foundation reported a deficit of $7K, with expenses exceeding revenue. The organization holds $1 in liabilities against $2.2M in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $2.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $96K | $103K | $2.2M | $1 | — | View 990 |
| 2022 | $145K | $93K | $2.0M | $1 | — | View 990 |
| 2021 | $263K | $41K | $1.6M | $1 | — | — |
| 2020 | $311K | $52K | $1.4M | $1 | — | — |
| 2019 | $187K | $52K | $1.1M | $1 | — | View 990 |
| 2015 | $41K | $102K | $616K | $1 | — | View 990 |
| 2014 | $23K | $48K | $677K | $1 | — | View 990 |
| 2013 | $108K | $47K | $701K | $1 | — | View 990 |
| 2012 | $219K | $14K | $641K | $1 | — | View 990 |
| 2011 | $10K | $2K | $436K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $96K, expenses of $103K, and assets of $2.2M (revenue -33.5% year-over-year).
- 2022: Revenue of $145K, expenses of $93K, and assets of $2.0M (revenue -44.8% year-over-year).
- 2021: Revenue of $263K, expenses of $41K, and assets of $1.6M (revenue -15.6% year-over-year).
- 2020: Revenue of $311K, expenses of $52K, and assets of $1.4M (revenue +66.1% year-over-year).
- 2019: Revenue of $187K, expenses of $52K, and assets of $1.1M (revenue +356.5% year-over-year).
- 2015: Revenue of $41K, expenses of $102K, and assets of $616K (revenue +77.9% year-over-year).
- 2014: Revenue of $23K, expenses of $48K, and assets of $677K (revenue -78.6% year-over-year).
- 2013: Revenue of $108K, expenses of $47K, and assets of $701K (revenue -50.9% year-over-year).
- 2012: Revenue of $219K, expenses of $14K, and assets of $641K (revenue +2018.5% year-over-year).
- 2011: Revenue of $10K, expenses of $2K, and assets of $436K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Cumberland Federal Foundation:
Data Sources and Methodology
This transparency report for Cumberland Federal Foundation 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.