COOK and stir onion, garlic and cumin in oil on medium-high heat in large saucepan 3 min. or until onion is tender; remove from heat.
PLACE 1 can of the undrained beans and the broth in blender or food processor container; cover. Blend until puréed. Add to ingredients in saucepan. Repeat with second can of undrained beans and water. Add remaining can of beans and tomatoes; mix well.
BRING to a boil on medium-high heat. Reduce heat to low; simmer 15 min., stirring occasionally. Ladle the soup into each bowl; top with cheese.