--- title: "Age UK West Cumbria rating & legitimacy | CharityCompare" description: "Is Age UK West Cumbria a legitimate UK charity? Clarity Score 66/100. Accounts 2023: income £1.5m · 68% on charitable activities. Reg 1122049." source: https://www.charitycompare.org.uk/charity/age-uk-west-cumbria retrieved: 2026-08-18T02:14:00.235Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Age UK West Cumbria a good charity? Age UK West Cumbria scores 66/100 (3 stars, Needs improvement) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2023 (£1.5m total income, 68% of spending on charitable activities). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown. Carlisle · CA1 2UU | Reg [1122049](https://www.charitycompare.org.uk/charity/age-uk-west-cumbria) | Registered charity | [Official website](https://www.armstrongwatson.co.uk/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1122049) Donate ## How can you give to AGE UK WEST CUMBRIA? You leave CharityCompare to complete a donation on the official AGE UK WEST CUMBRIA form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://www.armstrongwatson.co.uk/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1122049) ## What does Age UK West Cumbria do? Age UK West Cumbria is a registered charity (no. 1122049) working in older people in Carlisle · CA1 2UU. Its latest Charity Commission filing directs 68% of spending to charitable activities, holding roughly 7 months of reserves, though accounts are currently overdue or missing. Reported income has been declining (≈6% a year). CharityCompare's Clarity Score rates the organisation only from public Charity Commission accounts — accountability, financial health, efficiency and community support — not the quality or impact of its programmes. Summarised from public filings — Age UK West Cumbria hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=age-uk-west-cumbria) **In short:** AGE UK WEST CUMBRIA scores 66 out of 100 (3 stars). 68% average program spend (3-year average). Review the pillar breakdown below. ## What is Age UK West Cumbria? Age UK West Cumbria has a Clarity Score of 66 out of 100 on CharityCompare (3 stars, Needs improvement). Charity Commission registration number 1122049. Status: Registered. Primary cause area: Older people. Latest accounts year 2023: total income £1.5m, with 68% of expenditure on charitable activities. Accounts filing: missing. Reserves: approximately 7 months of operating costs. 3 filing concern(s) noted on this profile. Scores are independent and based on official filings — not a donation recommendation. Data from [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/), last updated 17 July 2026. Overall score 66/100 3★ · Needs improvement Cause spend 68% 3-yr avg · charitable activities Accountability 55/100 Finance beacon Income £1.5m Latest year 2023 Reserves 7 mo Months of running costs Accounts filing Missing Check register £3.1 raised per £1 fundraising (3-yr avg) · 32% overhead · Website on register · Confidence: low ## How does AGE UK WEST CUMBRIA compare? Clarity Score percentile against similar UK charities — the share of peers AGE UK WEST CUMBRIA scores higher than. Income band (£1m–£5m)18thpercentile **Scores higher than 18% of 2,776 charities in its income band** · 66/100 vs 78 peer average (marker). Older people charities26thpercentile **Scores higher than 26% of 23 charities in this cause** · 66/100 vs 79 peer average (marker). ## How reliable is Age UK West Cumbria's data? Source Charity Commission (England & Wales) Accounts year 2023 Filing date 24 June 2026 Profile reviewed 17 July 2026 Low confidence — key filing data unavailable Scores reflect the latest annual accounts on the register. Clarity Score measures how clearly the charity accounts for money in those filings — not programme impact. Contains public sector information licensed under the Open Government Licence v3.0. Sources: [Charity Commission for England and Wales](https://register-of-charities.charitycommission.gov.uk/), [Office of the Scottish Charity Regulator](https://www.oscr.org.uk/) and [Charity Commission for Northern Ireland](https://www.charitycommissionni.org.uk/). [Open Government Licence v3.0](https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/). ## What is Age UK West Cumbria's Beacon report? Detailed accountability and finance metrics from UK regulator filings — structured for transparency in our four-beacon report. ### Accountability & Transparency Baseline trust from filing discipline, board oversight, and declared governance policies. 55/100 | Metric | Score | Value | | --- | --- | --- | | Filing history (5 years) 100% on-time over five years = 15 pts · one late filing = 5 pts · two or more = 0 pts. | 0% | 0/15 pts | | Trustee oversight Three or more trustees on the register = 15 pts, scaled down for fewer (governance red flag below three). | 100% | 6 trustees · 15/15 pts | | Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 70% | 7/10 pts | ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 90/100 | Metric | Score | Value | | --- | --- | --- | | Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 100% | 7 months · 15/15 pts | | Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 100% | 10/10 pts · 3-year average | | Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 40% | 38% · 2/5 pts | ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 40/100 | Metric | Score | Value | | --- | --- | --- | | Program expense ratio 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 50% | 68% · 5/10 pts (3-year average) | | Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 30% | 32p per £1 income · 3/10 pts (3-year average) | ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 90/100 | Metric | Score | Value | | --- | --- | --- | | Volunteer-to-staff ratio Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 90% | 90 volunteers / 52 staff · 9/10 pts | [How we calculate beacon scores →](https://www.charitycompare.org.uk/methodology) ## What is Age UK West Cumbria's Clarity Score? 66/100 total · Needs improvement · 3 of 5 stars Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings. 55/100 Accountability & Transparency 90/100 Financial Health 40/100 Financial Efficiency 90/100 Community Support ### Accountability & Transparency Baseline trust from filing discipline, board oversight, and declared governance policies. 55/100 Filing history (5 years)0/15 pts Trustee oversight6 trustees · 15/15 pts Declared policies7/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 90/100 Reserves (months of cash)7 months · 15/15 pts Income stability / growth10/10 pts · 3-year average Liabilities to assets38% · 2/5 pts ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 40/100 Program expense ratio68% · 5/10 pts (3-year average) Fundraising efficiency32p per £1 income · 3/10 pts (3-year average) ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 90/100 Volunteer-to-staff ratio90 volunteers / 52 staff · 9/10 pts ## How much does Age UK West Cumbria raise and spend? Latest filed year 2023 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £1.5m | — | | Total expenditure | £1.4m | — | | Charitable activities | £1.0m | 70% | | Fundraising | £429k | 30% | 70%On charitable activities ## Where does the money go? Latest accounts (2023) · £1.4m spent - Charitable activities70% · £1.0m - Fundraising30% · £429k ## What trust indicators does Age UK West Cumbria have? Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported. - — Accounts filed on time Filing status: missing - ✓ Trustee board size (3–12) 6 trustees on the Charity Commission register - ✓ Workforce on register 52 employees · 90 volunteers (2:1 volunteer-to-staff) Fundraising Regulator Status not yet checked Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice. [Check Fundraising Regulator →](https://www.fundraisingregulator.org.uk/members/) Official register Reg 1122049 Full trustee list, accounts, and regulatory history on the Charity Commission. [View on Charity Commission →](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1122049) ### Trustees & officers - Susan Gallagher since 2014 - Lee Jardine since 2020 - Colin Ernest Fairbairn since 2020 - William Graham since 2021 - Rachel Kirkwood Chair · since 2021 - RACHEL D'SOUZA since 2023 100 How we score charities +The Clarity Score is a 100-point rating from UK regulator filings (Charity Commission for England and Wales, OSCR and CCNI). Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10) — each scored on a continuous scale, not pass/fail cutoffs. A statutory inquiry sets the score to 0 automatically. [Full methodology →](https://www.charitycompare.org.uk/methodology) Accountability & Transparency Scored from filings 40 points — filing history (15), trustee oversight (15, scaling up to a board of three or more), declared policies (10). Financial Health Scored from filings 30 points — reserves (15, full marks 3–24 months, tapering on both sides), income stability (10), liabilities to assets (5, scaling down as debt rises). Financial Efficiency Scored from filings 20 points — program expense ratio and fundraising cost, each on a graduated scale (not a single cutoff). Kept at 20% of the total: financial-ratio scoring alone is not a reliable effectiveness signal (see "why not just an overhead ratio?" below). Community Support Scored from filings 10 points — volunteer-to-staff ratio from Charity Commission workforce data, scaling continuously up to a 2:1 ratio. Overall score Sum of all pillar points. Display stars use the same bands as the labels: 90–100 → 5★ Exceptional; 75–89 → 4★ Good; 60–74 → 3★ Needs improvement; 1–59 → 2★ Poor; 0 → not rated. ## How have Age UK West Cumbria's finances changed over five years? - Income - Spending - Cause spend Values in £ thousands · Cause spend plotted only when the filing discloses a split · Source: Charity Commission accounts ## What are the key facts about Age UK West Cumbria? Overall score 66/100 (3★) Income £1.5m Cause spend 68% of expenditure Reg number 1122049 Scope Local (carlisle) Reserves 7 months Trustees 6 Accounts year 2023 Filing missing ## How does AGE UK WEST CUMBRIA compare, and where else can you look? [Compare AGE UK WEST CUMBRIA with others](https://www.charitycompare.org.uk/compare-charities?ids=age-uk-west-cumbria) [More older people charities](https://www.charitycompare.org.uk/browse/elderly) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where AGE UK WEST CUMBRIA sits The causes this charity is classified under, and other charities working nearby. - [elderly charities](https://www.charitycompare.org.uk/browse/elderly) - [Charities in Carlisle](https://www.charitycompare.org.uk/cities/carlisle) ### Similar older people charities Top-rated peers by CharityCompare score - [Age UK Hythe, Lyminge and Ashford](https://www.charitycompare.org.uk/charity/age-uk-hythe-lyminge-and-ashford) 100/100 · £1.6m - [AGE UK CANTERBURY](https://www.charitycompare.org.uk/charity/age-uk-canterbury) 99/100 · £1.3m - [AGE CONCERN BROMLEY](https://www.charitycompare.org.uk/charity/age-concern-bromley) 97/100 · £2.2m - [Age Cymru West Glamorgan Limited](https://www.charitycompare.org.uk/charity/age-cymru-west-glamorgan-limited) 96/100 · £758k ## How can you share Age UK West Cumbria's rating? 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Free to use — a lightweight HTML badge or an embeddable score widget, each linking back to this independent profile and our [methodology](https://www.charitycompare.org.uk/methodology). BadgeScore widget [♥ CharityCompare Clarity Score 66/100 ★★★★★](https://www.charitycompare.org.uk/charity/age-uk-west-cumbria) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 66/100 ★★★★★ Copy code ## What red flags does Age UK West Cumbria have? ## Frequently asked questions Common questions about Age UK West Cumbria's rating, finances, and Charity Commission status. Is Age UK West Cumbria a good charity? + Age UK West Cumbria scores 66 out of 100 (3 stars — Needs improvement) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 68% of its spending goes to charitable activities and its accounts are missing. That reflects how transparent and financially healthy it looks on paper — it does not measure the real-world impact of its work, so treat it as one factor alongside the cause you care about. CharityCompare never tells you where to donate. Is Age UK West Cumbria a legitimate charity? + Yes — Age UK West Cumbria is a legitimate registered charity (charity number 1122049). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1122049. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Age UK West Cumbria's charity number? + Age UK West Cumbria's charity number is 1122049. Check that number on the official register (Charity Commission, OSCR or CCNI) or this CharityCompare profile before you donate — scammers sometimes reuse real numbers on fake appeals. What is Age UK West Cumbria's charity rating? + Age UK West Cumbria scores 66 out of 100 on CharityCompare (3 stars — Needs improvement). The Clarity Score V1 sums four pillars from UK regulator filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10). Stars use the same bands as those labels — 90+ is 5★ Exceptional. It is not an impact ranking. Does Age UK West Cumbria have reviews and complaints? + CharityCompare does not host public user reviews for Age UK West Cumbria. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (3 filing concern(s) noted on this profile). For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate. How much of my donation reaches Age UK West Cumbria? + According to its 2023 regulator filing, 68% of Age UK West Cumbria's total spending went to charitable activities (3-yr avg across disclosed years). That is the closest official figure to "how much of your donation reaches the cause" — it is an average across all spending in the filing, not a pound-by-pound breakdown of an individual gift. What are Age UK West Cumbria's overheads? + According to its 2023 regulator filing, fundraising costs were about 32% of total expenditure and combined overheads (fundraising plus governance) were about 32% of total expenditure at Age UK West Cumbria. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Age UK West Cumbria's chief executive is paid — where disclosure rules apply, senior pay appears in the trustees' annual report on the Charity Commission register. How much income does Age UK West Cumbria receive? + Age UK West Cumbria reported £1.5m total income in its 2023 accounts, based on UK regulator filings. Five-year trend: declining. Are Age UK West Cumbria's accounts up to date? + Filing status: missing (last filing 2026-06-24). CharityCompare flags late or missing accounts separately from the financial score. Where is Age UK West Cumbria based? + Age UK West Cumbria is listed at Carlisle · CA1 2UU, focused on older people. How does CharityCompare score Age UK West Cumbria? + We calculate a Clarity Score of 0–100 from four pillars in Age UK West Cumbria's regulator filings: Accountability & Transparency (40 points — filing history, trustees, policies), Financial Health (30 — reserves, income trend, debt), Financial Efficiency (20 — cause spend and fundraising cost, on a graduated scale) and Community Support (10 — volunteer-to-staff ratio). An open statutory inquiry scores 0. The score measures reporting on paper, not programme impact. CharityCompare is free for donors, takes no commission on donations, and scores cannot be bought. How often is this page updated? + This profile was last updated on 17 July 2026 from the latest UK regulator data available to CharityCompare, and Age UK West Cumbria's most recent accounts cover 2023. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.