Bryanna's note: I have played with this recipe for years, and this particular combination of vegetables, silken tofu, avocado, and salsa is one we just can't get enough of. You'll need a food processor for this recipe.
Cook both types of beans in a medium saucepan in enough water to cover for about 5 minutes or until completely tender but not mushy.
Drain the beans well and transfer them to a food processor (not a blender), along with the avocado, tofu, lemon juice, garlic, salt, and cumin. Process the mixture until smooth, stopping the machine a couple of times to scrape the sides and bottom of the bowl.
Add the salsa and pulse the mixture just until it is all mixed in. Taste fore seasoning (add more citrus juice or salsa to your taste, if you like. Transfer to a covered bowl and refrigerate.