Finance Score: 2

Governance Score: 9

Support Score: 7

Strong growth: +2

Good trustee age range: +3
Dynamic board: +3
Gender balanced board: +3

Grant maker support: +7

Overall GiG Score: 18

CITIZENS ADVICE COPELAND

Free advice on any subject to anyone

Analysis by Giving is Great

Positives:

There has been strong growth in spending over the last 5 years
There have been no material income shortfalls in recent years
A significant proportion of recent income was derived from major grant makers including the Government
The Board appears to be well diversified in terms of age and gender and dynamic in terms of composition

Regulatory & Governance issues to consider:

Over half the Board have joined recently

Established: 24 years

www.citizensadvicecopeland.org.uk

shelley@cacopeland.org

01946693321

Charity Commission for England and Wales

Tweets

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E	Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/03/23	£709	£715	£-7	£0	£249	£220	3.7	16	19
31/03/22	£705	£672	£33	£0	£255	£139	2.5	15	24
31/03/21	£544	£511	£33	£0	£223	£127	3	17	37
31/03/20	£485	£509	£-24	n/a	n/a	n/a	n/a	n/a	32
31/03/19	£412	£415	£-3	n/a	n/a	n/a	n/a	n/a	34
31/03/18	£446	£427	£19	£0	£0	£0	n/a	0	0
31/03/17	£329	£328	£1	£0	£0	£0	n/a	0	0
31/03/16	£360	£335	£26	£0	£0	£0	n/a	0	0
31/03/15	£400	£446	£-46	£0	£0	£0	n/a	0	0
31/03/14	£467	£473	£-7	£0	£0	£0	n/a	0	0
31/03/13	£402	£456	£-54	£0	£0	£0	n/a	0	0
31/03/12	£469	£467	£2	£0	£0	£0	n/a	0	0
31/03/11	£423	£419	£5	£0	£0	£0	n/a	0	0
31/03/10	£423	£419	£5	£0	£0	£0	n/a	0	0
31/03/09	£522	£344	£178	£7	£378	£63	2.2	13	0
31/03/08	£463	£392	£71	£0	£0	£0	n/a	0	0
31/03/07	£361	£418	£-57	£0	£0	£0	n/a	0	0
31/03/06	£344	£321	£23	£0	£0	£0	n/a	0	0
31/03/05	£269	£268	£2	£0	£0	£0	n/a	0	0
31/03/04	£335	£248	£88	£0	£0	£0	n/a	0	0

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Financial Ratios

Fundraising Costs/Relevant Income: 0%
Fundraising Costs/Total Spending: 0%
Highest pay band: Less than £60,000
Liabilities/Assets: 30%
Liabilities/Income: 15%
Unrestricted Funds/Total Funds: 88%
Reserves/Spending: 3.7 months
Net Current Assets/Spending: 3 months
Quick Ratio: 1.9

Asset Split ?

Listed activities

General Charitable Purposes

How it operates

Provides advocacy/advice/information

Where it operates

Cumbria,

Who it helps

The General Public/Mankind

Who works here?

16 employees
19 volunteers

Who's supporting them? ?

Donations from Grant Makers ?

We have details on the following significant donations. Multi-year donations are allocated to the years for which they are earmarked.

Major supporters in last 5 years

National Lottery Community Fund	£168,096
Cumbria Community Foundation	£58,748
DCMS	£2,877
Masonic Trust	£417

Specific Donations

Amount	When Months	To be used for
National Lottery Community Fund - Copeland Financial Inclusion Project
£168,096	16/02/2022 36	The project will use the funding over three years to help employ two full time advice officers who will support those who have been impacted by the pandemic by providing specialist to help with ....more The project will use the funding over three years to help employ two full time advice officers who will support those who have been impacted by the pandemic by providing specialist to help with financial resilience and wellbeing. This aims to reduce isolation and improve mental wellbeing.
Cumbria Community Foundation - Bedrock awards - Stage 1
£18,000	19/08/2021	Bedrock awards - Stage 1
Masonic Trust - MCF Matched Funding
£417	29/01/2021	Unrestricted matched funding in partnership with the local masonic province
Cumbria Community Foundation - Project costs for Improving financial capability
£33,000	02/10/2020	Project costs for Improving financial capability
Cumbria Community Foundation - Supporting Volunteers Project
£2,877	24/09/2020	Supporting Volunteers Project
DCMS - VSCE CMC Fund
£2,877	24/09/2020	NET, Comic Relief and Children in Need will use this funding to provide: increased support to vulnerable people and hidden groups, thus reducing the burden on public services; reach local grassroots ....more NET, Comic Relief and Children in Need will use this funding to provide: increased support to vulnerable people and hidden groups, thus reducing the burden on public services; reach local grassroots and small organisations who can provide an on-the-ground community response to the crisis; and, support local charitable organisations to mobilise volunteers to enable better targeted support in communities through empowered local groups.
Cumbria Community Foundation - Staff and office costs
£4,871	06/05/2020 7	Staff and office costs
Cumbria Community Foundation - Copeland Financial Skills Project
£8,521	21/09/2018	Copeland Financial Skills Project
Cumbria Community Foundation - Copeland Financial Skills Project
£8,521	21/09/2018	Copeland Financial Skills Project
Cumbria Community Foundation - Copeland Financial Skills Project
£9,021	21/09/2018	Copeland Financial Skills Project
Cumbria Community Foundation - Distington community champions
£3,540	20/09/2018	Distington community champions
Henry Smith Charity - Grant to Citizens Advice Copeland
£111,400	12/09/2018 36	towards three years' salary of a Copeland Inclusion Worker at a project providing information, advice and support for vulnerable families and individuals in Cumbria
Lloyds Bank Foundation - Grant to CAB - Copeland
£20,000	29/04/2014	The charity supports people around many issues including debt, welfare benefits, employment, housing and consumer issues and they do this mainly face to face & via the telephone using trained ....more The charity supports people around many issues including debt, welfare benefits, employment, housing and consumer issues and they do this mainly face to face & via the telephone using trained staff and a bank of fully trained volunteers
National Lottery Community Fund - Copeland United
£213,688	25/04/2013 24	This project aims to develop a partnership approach amongst advice providers, to address problems of inequality of access to advice services in the borough, with particular focus on the rural areas. ....more This project aims to develop a partnership approach amongst advice providers, to address problems of inequality of access to advice services in the borough, with particular focus on the rural areas. It will do this via the provision of partnership outreach facilities, dedicated telephone advice, a home visiting scheme and a robust referral system.
Nationwide Foundation - Grant to Copeland Citizens Advice Bureau
£5,000	24/01/2011	Salary and running costs of a programme to help older people living in Copeland maximise their income and deal with debt and housing issues

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Data sourced from Donors via 360 Giving

How is it governed?

Trustees (7)

Current Trustees appointed

Gender Split

Based on 6/7 persons

Age Range of Trustees: 37-75

CRAIG BROWN Appointed: 2023, Occupation: Decommissioning Safety Case Lead

DAVID JOHN WALLACE Appointed: 2018, Occupation: Public Relations Officer

GEOFFREY PETER SMITH Appointed: 2014, Occupation: Retired, Other trusteeship: CITIZENS ADVICE CUMBRIA,

GILLIAN ELLIOTT Appointed: 2023, Occupation: Civil Servant

JANE LYNDA DONALDSON Appointed: 2017, Occupation: Retired

KEVIN PEEL Appointed: 2023, Occupation: Self Employed

SARAH GRAHAM Appointed: 2023, Occupation: Health And Safety Advisor, Other trusteeship: THE SOCIETY FOR RADIOLOGICAL PROTECTION,

Legal constitution

Charitable company registered in England & Wales on 05/05/2000, number: 1080581
Registered at Companies House on 23/03/2000, number: 03954988

Gift Aid

NOT registered with HMRC for Gift Aid

Other Regulators

Financial Conduct Authority

Policies in force

Complaints handling
Conflicting interests
Paying staff
Risk management
Safeguarding vulnerable beneficiaries
Volunteer management

Filing Record

20 returns made; all on time

Recent reorganisation events:

Asset transfer in from DEPOSIT GUARANTEE SCHEME (CUMBRIA) on 27/06/2023

Main office

Phoenix House
3-5 Jacktrees Road
CLEATOR MOOR
Cumbria
CA25 5BD

Objectives

THE CHARITY’S OBJECTS (‘OBJECTS’) ARE SPECIFICALLY: TO PROMOTE ANY CHARITABLE PURPOSE FOR THE PUBLIC BENEFIT BY THE ADVANCE-MENT OF EDUCATION, THE PROTECTION AND PRESERVATION OF HEALTH AND THE RELIEF OF POVERTY, SICKNESS AND DISTRESS IN PARTICULAR, BUT WITHOUT LIMITATION, FOR THE BENEFIT OF THE COMMUNITY IN COPELAND AND SURROUNDING AREAS.

Defined Area of Benefit:

BOROUGH OF COPELAND

Data Sources