CUMMINGS AFRICA FOUNDATION (EIN 812018188) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2016

Legal Domicile

Principal Officer

TERESA CUMMINGS

Phone

7023239009

Tax Period

2020-01-01 to 2020-12-31

CUMMINGS AFRICA FOUNDATION, founded in 2016, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $372K in total revenue in fiscal year 2020. Revenue surged 55% from the prior year, signaling strong growth momentum. Expenses of $414K exceeded revenue, resulting in a 11% operating deficit.

Mission

EMPOWER & UPLIFT AFRICA/AFRICANS IN 3 KEY AREAS: EDUCATION & DEVELOPMENT, HEALTH & AGRICULTURE.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2020)

Revenue Breakdown

Contributions & Grants $371,979

Program Service Revenue $0

Investment Income $0

Other Revenue $67

TOTAL REVENUE $372,046

Expense Breakdown

Grants Paid $261,073

Salaries & Benefits $41,474

Fundraising Expenses $5,086

Program Expenses $408,699

Other Expenses $111,238

TOTAL EXPENSES $413,785

Year-over-Year Comparison

	2020	2019	Change
Revenue	$372,046	$239,975	+0.6%
Expenses	$413,785	$337,445	+0.2%
Net Income	$-41,739	$-97,470	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✓ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA CUMMINGS	CHAIR OF THE BOARD	20.00	Officer Director	$0	$0	$0
EUGENE BEDELL SR	CO CHAIR OF THE BOARD & TREASURER	4.00	Officer Director	$0	$0	$0
RICHELIEU DENNIS	BOARD MEMBER	4.00	Director	$0	$0	$0
ELLEN PRATT	BOARD MEMBER	4.00	Director	$0	$0	$0
ROSALIND BROWN	BOARD MEMBER	4.00	Director	$0	$0	$0
CHARRISE FINDLEY	BOARD MEMBER	4.00	Director	$0	$0	$0
NYEMA TUBMAN	BOARD MEMBER	4.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2020	$372,046	$413,785	$65,915	$-41,739
2019	$239,975	$337,445	$104,250	$-97,470
2018	$129,700	$733,598	$198,004	$-603,898

CUMMINGS AFRICA FOUNDATION