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CUMBERLAND AND WESTMORLAND CONVALESCENT INSTITUTION

Registered charity 223946 · accounts filings on the Charity Commission register · also known as SILLOTH NURSING AND RESIDENTIAL CARE HOME

The main objectives of the charity continues to focus on delivering a range of extensive care services within the fee structure, including the provision of post operative convalescence, short and long stay nursing/residential care. The following Core Values of Care are fundamental to our philosophy: Privacy, Dignity, Rights, Independence, Choice, Fulfilment, Security, Respect and Equality.

Causes: The Advancement Of Health Or Saving Of Lives · website · Get email alerts

Latest income
£2.2m
Latest spending
£2.1m
Registered
1963
Accounts read
FY2026

Financial health, per its FY2026 accounts

The accounts state that the charity generated a trading surplus of £96,163 for the year ended 31 March 2026, with total incoming resources of £2,245,626 against expenditure of £2,149,549. The trustees report that unrestricted free reserves of £893,358 are currently below the anticipated policy target of £1,000,000, but they remain confident that adequate reserves exist to support operating costs and continue activities.

Automated summary of the FY2026 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Reserves position: below the charity's own stated reserves policy (held: £893k)
“The present level of reserves available to the Charity of £893,358 are below the anticipated level of £1,000,000.” — page 9
Per its FY2026 accounts as filed with the Charity Commission.
Related-party transaction: The Charity has a close relationship with the Holme Cultram Sea Dyke Charity, which provides funding for people in need of emergency respite care who live within the boundaries of the Ancient Parish of Holme Cultram. Thanks are conveyed again to The Sea Dyke Charity who very kindly donated £5,000 this year to assist with the cost to improve both the heating and hot water.
“The Charity has a close relationship with the Holme Cultram Sea Dyke Charity, which provides funding for people in need of emergency respite care who live within the boundaries of the Ancient Parish of Holme Cultram. Thanks are conveyed again to The Sea Dyke Charity who very kindly donated £5,000 this year to assist with the cost to improve both the heating and hot water.” — page 7
“One trustee had a family member who was residents at the home during the year, no preferential rates or terms have been received by the trustee.” — page 36
Per its FY2026 accounts as filed with the Charity Commission.
Related-party transaction: One trustee had a family member who was a resident at the home during the year, with no preferential rates received.
“The Charity has a close relationship with the Holme Cultram Sea Dyke Charity, which provides funding for people in need of emergency respite care who live within the boundaries of the Ancient Parish of Holme Cultram. Thanks are conveyed again to The Sea Dyke Charity who very kindly donated £5,000 this year to assist with the cost to improve both the heating and hot water.” — page 7
“One trustee had a family member who was residents at the home during the year, no preferential rates or terms have been received by the trustee.” — page 36
Per its FY2026 accounts as filed with the Charity Commission.

Accounts audited by Saint & Co.. Discloses 4 of 6 completeness components.

Public fundraising profile: JustGiving — Cumberland and Westmorland Convalescent Institution (matched by registered charity number).

CQC provider record: Cumberland And Westmorland Convalescent Institution — Registered, 1 registered location, 2 regulated activities, last inspected 02/03/2021.charity number confirmed by CQC CQC record

Structured financials (annual return, FY ending 31/03/2026)

Total income
£2.2m
Total spending
£2.1m
Reserves (reported)
£1.0m
Employees
84

Reported reserves equal ~5.6 months of spending — above the median for charities its size (median 4.8 months; benchmarks).

Per its annual return, largest income source: Charitable activities (98% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.0% of total income — below the median for charities its size (5.2%) (benchmarks).

Care Quality Commission ratings

CQC inspection ratings for services run by a provider matching this charity’s name (matched by name; verify provider identity on CQC’s site).

Trustees · trustee networks

Trustee list from the Charity Commission register (current, not historical).

Operates in: Cumbria

Income and spending

Financial year endIncomeSpending
31/03/2026£2.2m£2.1m
31/03/2025£2.1m£2.0m
31/03/2024£1.9m£1.9m
31/03/2023£1.8m£1.7m
31/03/2022£1.6m£1.6m

Common questions

Is CUMBERLAND AND WESTMORLAND CONVALESCENT INSTITUTION financially healthy?

Per its FY2026 accounts: The accounts state that the charity generated a trading surplus of £96,163 for the year ended 31 March 2026, with total incoming resources of £2,245,626 against expenditure of £2,149,549. The trustees report that unrestricted free reserves of £893,358 are currently below the anticipated policy target of £1,000,000, but they remain confident that adequate reserves exist to support operating costs and continue activities. Its FY2026 accounts were audited by Saint & Co..

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

FunderSimilar charities fundedAmount to them
MASONIC SAMARITAN FUND1£6.9m
THE HELPING FOUNDATION1£979k
ASSOCIATION OF NHS CHARITIES1£143k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with PETWORTH COTTAGE NURSING HOME.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
CUMBERLAND AND WESTMORLAND CONVALESCENT INSTITUTION£2.2m—0below—no doubt
PETWORTH COTTAGE NURSING HOME FY2025£2.2m——unclear—no doubt
CUMBERLAND LODGE FY2025£3.0m£110,001 - £120,000—below—no doubt
EDEN VALLEY HOSPICE, CARLISLE FY2025£6.5m——unclear—no doubt
THE ROYAL MASONIC BENEVOLENT INSTITUTION CARE COMPANY FY2025£64.6m——unclear—no doubt
CONVALESCENT RETREAT LIMITED FY2025£965k—0unclear—noted

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.