Bring water and quinoa to a boil. Cover and reduce to a simmer, about 10-15 minutes, until quinoa is tender.
Mix olive oil, lime juice, cumin and 1 teaspoon salt and red pepper flakes until well combined.
Combine quinoa, beans, tomatoes, onions, cilantro. Add dressing and toss to coat. May be chilled in refrigerator or serve immediately.