Cumac Echo INC FY2023 filing

Tax-deductible

Paterson, NJ501(c)(3)Since 1985Human ServicesEIN 22-2657737

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The organizations mission is to fight hunger and its root causes through a holistic, trauma-informed approach that provides groceries and basic necessities to families and individuals in need.

501(c)(3) charity; gifts are tax-deductible.
94¢ of each $1 spent went to programs.
$631K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2023 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 5
filings with a surplus
Average surplus $164K a year · 2% of revenue · last 5 filings
Worth a look: a surplus in 2 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
94%
of spending
Looks good: 94% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$631K
to officers and key staff · 7% of spending
Looks good: pay to officers and key staff is 7% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
3 mo
of spending, in cash
Fine: 2.9 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
15
named funders · $427K
Looks good: 15 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$908K
34% of total assets
Looks good: liabilities are 34% of assets; 50% or less.
Pt X · Ln 26
Independent board members
13
of 13 voting members
Looks good: 13 of 13 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$8.3M
+33% vs prior year
Spent
$8.5M
To programs
94%
Net assets
$1.8M
By yearFY2020–FY2024
Revenue
$8.3M
FY2023▲ +33%
Revenue by fiscal year
FY2020$5.2M
FY2021$5.7M
FY2022$6.2M
FY2023$8.3M
FY2024$8.3M
Expenses
$8.5M
FY2023▲ +32%
Expenses by fiscal year
FY2020$4.8M
FY2021$4.6M
FY2022$6.5M
FY2023$8.5M
FY2024$8.5M
Net assets
$1.8M
FY2023▼ -13%
Net assets by fiscal year
FY2020$1.2M
FY2021$2.3M
FY2022$2.0M
FY2023$1.8M
FY2024$2.1M

From the FY2023 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2023 filing — not the latest on file. See the latest (FY2024) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Apr 2010.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

94 cents of each dollar spent went to programs.

Program services 94% · $8.0M Management & general 4% · $346K Fundraising 2% · $187K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

30 people listed on the 990; $631K paid to officers and key staff.

Part VII, Section A · reportable compensation
$109,615Pt VII · Sec A
$109,615Pt VII · Sec A
$98,161Pt VII · Sec A
Chief Prog. Off.
$98,161Pt VII · Sec A
$98,161Pt VII · Sec A
Chief Prog. Off.
$98,161Pt VII · Sec A
Trustee
$9,586Pt VII · Sec A
Trustee
$9,586Pt VII · Sec A

Jessica Padilla Gonzalez’s $135K as CEO is at the 65th percentile of top reported officer pay among 3868 $1–10M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 7 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Jessica Padilla Gonzalez$135,000————
Jessica P Gonzalez—$109,615———
Andrea Ramalho$107,171————
Mark Dinglasan——$96,437$105,173$104,664
Laura Purdy$98,854$98,161———
Rose Bates—$98,161———
Gene Bilz$11,209$9,586$5,716$7,731$8,192

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides groceries and necessities to families, addressing hunger and its causes with a trauma-informed approach.

Provided by the organization

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4 program services account for $15.8M of program spending, described in the organization's own filed words · FY2023.
01

FOOD PROCUREMENT AND DISTRIBUTIONCUMAC offers a choice marketplace where clients can choose the food they need to make healthy meals for their families. The marketplace offers monthly groceries to over 53,000 people. Client choice means that our families can make meals that fit their preferences and culture.

$7.5Mprogram expense
02

FOOD PROCUREMENT AND DISTRIBUTIONCUMAC offers a choice marketplace where clients can choose the food they need to make healthy meals for their families. The marketplace offers monthly groceries to over 26,000 familes annually. Client choice means that our families can make meals that fit their preferences and culture.

$7.5Mprogram expense
03

COMMUNITY ENGAGEMENT AND OUTREACHAlong with providing our guests with nutritious, culturally appropriate groceries, CUMAC's Community Advocates support the people we serve by assisting individuals to apply for financial resources such as SNAP, LIHEAP and Medicaid.

$408Kprogram expense
04

COMMUNITY ENGAGEMENT AND OUTREACHCUMAC provides free benefits enrollment assistance and outreach services for our marketplace guests and residents of Passaic County

$408Kprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
See all 15 funders →

By the numbers

The FY2023 990, line by line.

1The main four
Money inPt VIII
$8.3M
Ln 12
Gifts and grantsLn 1h$8.0M
Other incomeLn 4–11$184K
Investment incomeLn 3$23K
Money outPt IX
$8.5M
Ln 25
Programscol B$8.0M
Managementcol C$346K
Fundraisingcol D$187K
Owns and owesPt X
$1.8M
net assets · Ln 32
Cash and savingsLn 1–2$2.1M
Total assetsLn 16$2.7M
LiabilitiesLn 26$908K
PeoplePt VI, VII
30
listed · VII A
PaidVII A8
Voting boardVI 1a13
IndependentVI 1b13
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$8.0M
Government grantsLn 1e$2.2M
Fees for servicesLn 2g$7K
Investment incomeLn 3$23K
Other incomeLn 4–11$184K
Total revenueLn 12$8.3M
Assets in detailPt X, end of year
Cash and savings togetherLn 1–2$2.1M
Total assetsLn 16$2.7M
LiabilitiesLn 26$908K
Net assetsLn 32$1.8M
OperationsPt I, VI
EmployeesI 544
VolunteersI 61,000
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest $8.3M$8.5M−$143K$2.1M 990 PDF
FY2023 Viewing $8.3M$8.5M−$269K$1.8M 990 PDF
FY2022 $6.2M$6.5M−$244K$2.0M 990 PDF
FY2021 $5.7M$4.6M$1.1M$2.3M 990 PDF
FY2020 $5.2M$4.8M$369K$1.2M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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