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Mid-Cumberland Community Action Agency Inc

EIN 62-0859072 · Gallatin, TN

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair55 out of 100GovernanceStrong90 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO HELP FAMILIES/INDIVIDUALS TOWARD SELF-SUFFICIENCY BY PROVIDING COMPREHENSIVE SERVICES IN COLLABORATION WITH LOCAL, STATE, AND FEDERAL RESOURCES.

Income
$36.1 million
Spending
$32.9 million
Spent on programs
95%
Reserves
-1.7 months of spending
Largest source of income
government grants, 91%
Employees
281
Volunteers
1,378
Highest pay
$151,036, executive dir.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 55 out of 100. Higher than 36% of charities in its peer group (human services, $10m to $100m).

  • Reserves

    0 of 35

    Spendable reserves are negative: it owes or has committed more than it holds.

  • Debt

    10 of 20

    It owes 47% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 9% of income.

  • Income trend

    15 of 15

    Income rose 57% on the year before.

  • Spending floor

    15 of 15

    95% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 90 out of 100. Higher than 16% of charities in its peer group (human services, $10m to $100m).

  • Independent board

    25 of 25

    17 of 17 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    0 of 10

    Did not give the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (11)
  1. $11.6 million spent. US DHS HEAD START PROGRAM PROVIDES BENEFITS TO PRE-SCHOOL CHILDREN FROM LOW-INCOME FAMILIES THROUGH SERVICES INCLUDING EDUCATION SOCIAL SERVICES, PARENTAL INVOLVEMENT, NUTRITION, DENTAL, PHYSICAL & MENTAL HEALTH AND THOSE WITH DISABILITIES - SERVED 653 INDIVIDUALS FROM 573 HOUSEHOLDS.
  2. $10.2 million spent. EVICTION PREVENTION PROGRAM PROVIDES ASSISTANCE WITH RENTAL PAYMENTS TO LOW-INCOME INDIVIDUALS OR FAMILIES. SERVED 4,798 INDIVIDUALS FROM 1,994 HOUSEHOLDS.
  3. $6.4 million spent. LOW-INCOME HOME ENERGY ASSISTANCE PROVIDES BENEFITS TO LOW-INCOME FAMILIES THROUGH ASSISTANCE WITH HOME ENERGY COSTS - SERVED 15,745 INDIVIDUALS FROM 7,025 HOUSEHOLDS.
  4. $1.2 million spent. COMMUNITY SERVICES BLOCK GRANT PROVIDES BENEFITS TO LOW-INCOME HOUSEHOLDS THROUGH VARIOUS FORMS OF FINANCIAL EDUCATIONAL ASSISTANCE INCLUDING EMERGENCIES & SHELTER, NUTRITION, HEALTH, SELF-SUFFICIENCY AND LINKAGES WITH OTHER PROGRAMS - SERVED 1,516 INDIVIDUALS FROM 716 HOUSEHOLDS.
  5. $740,106 spent. EMERGENCY FOOD ASSISTANCE PROGRAM PROVIDES FOOD TO LOW-INCOME FAMILIES - SERVED 4,708 INDIVIDUALS FROM 2,530 HOUSEHOLDS.
  6. $379,795 spent. CHILD AND ADULT CARE FOOD PROGRAM PROVIDES MEALS FOR HEAD START PROGRAM RECIPIENTS - SERVED 653 INDIVIDUALS.
  7. $328,865 spent. STATE AND LOCAL ASSISTANCE TO PROVIDE ASSISTANCE IN THE COMMUNITY - SERVED 365 INDIVIDUALS FROM 118 HOUSEHOLDS.
  8. $198,292 spent. TEMPORARY ASSISTANCE FOR NEEDY FAMILIES PROVIDES CASH ASSISTANCE AND SUPPORT TO LOW-INCOME FAMILIES WITH CHILDREN. SERVED INDIVIDUALS FROM HOUSEHOLDS.
  9. $173,166 spent. WEATHERIZATION ASSISTANCE PROGRAM PROVIDES BENEFITS TO LOW-INCOME INDIVIDUALS OR FAMILIES THROUGH ASSISTANCE WITH STRUCTURAL AND RESIDENTIAL IMPROVEMENTS TO THEIR HOMES TO CONSERVE ENERGY AND REDUCE HEAT LOSS - SERVED 6,329 INDIVIDUALS FROM 2,518 HOUSEHOLDS.
  10. $85,936 spent. VARIOUS PROGRAM SERVICES TO HELP LOCAL ORGANIZATIONS ADDRESS COMMUNITIY NEEDS - SERVED 365 INDIVIDUALS FRIN 118 HOUSEHOLDS.
  11. $77,915 spent. EMERGENCY FOOD AND SHELTER PROGRAM - TO PROVIDE SHELTER, FOOD AND SUPPORTIVE SERVICES TO INDIVIDUALS AND FAMILIES AT RISK OF OR IS EXPERIENCING OR HUNGER,AND/OR HOMELESSNESS - SERVED 206 INDIVIDUALS FROM 77 HOUSEHOLDS.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending June 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since June 1972.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.