THE HARBOR CLUB INC C/O THERESA MERCHANT (EIN 010086202) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Principal Officer

MRS ANNE OGILBY

Phone

2072763707

Tax Period

2024-11-01 to 2025-10-31

THE HARBOR CLUB INC C/O THERESA MERCHANT is a tax-exempt nonprofit with EIN 010086202, based in MT DESERT, ME. Founded in 1950, the organization files IRS Form 990 and reported its most recent data for fiscal year 2024. In that period, it reported $1,103,858 in total revenue and $924,461 in total expenses, with net assets of $2,440,235.

Mission

PROVIDE FACILITIES TO MEMBERS FOR TENNIS AND SWIMMING ACTIVITIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $887,773

Program Service Revenue $187,937

Investment Income $28,148

Other Revenue $0

TOTAL REVENUE $1,103,858

Expense Breakdown

Grants Paid $0

Salaries & Benefits $429,414

Fundraising Expenses $0

Other Expenses $495,047

TOTAL EXPENSES $924,461

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,103,858	$940,569	+0.2%
Expenses	$924,461	$914,653	+0.0%
Net Income	$179,397	$25,916	+5.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MR SIMON CLARK	GOVERNOR	0.50	Director	$0	$0	$0
MRS CHANDLER EVANS	GOVERNOR	0.50	Director	$0	$0	$0
MRS JENNIFER IRWIN	GOVERNOR	0.50	Director	$0	$0	$0
MR O'DONNELL ISELIN	GOVERNOR	0.50	Director	$0	$0	$0
MRS VICTORIA A KNOX	GOVERNOR	0.50	Director	$0	$0	$0
MRS RACHEL MANIATIS	GOVERNOR	0.50	Director	$0	$0	$0
MRS ELIZABETH MCMULLEN	GOVERNOR	0.50	Director	$0	$0	$0
MRS JENNIFER MEYERS	GOVERNOR	0.50	Director	$0	$0	$0
MR WILSON NEELY	GOVERNOR	0.50	Director	$0	$0	$0
MS JOAN E PEW	CLERK	1.00	Director	$0	$0	$0
MRS MARNIE PHILLIPS	GOVERNOR	0.50	Director	$0	$0	$0
MR RICHARD SCOTT	GOVERNOR	0.50	Director	$0	$0	$0
MR JOHN SLATER	GOVERNOR	0.50	Director	$0	$0	$0
MRS LAURA STONE	GOVERNOR	0.50	Director	$0	$0	$0
MRS COURTNEY THOMPSON	GOVENOR	0.50	Director	$0	$0	$0
MR FRANK ZIRNKILTON	VICE PRESIDE	0.50	Officer Director	$0	$0	$0
MR TIMOTHY BASS	VICE PRESIDE	1.00	Officer	$0	$0	$0
MR BROOKS GRAY	TREASURER	1.00	Officer	$0	$0	$0
MR CHRISTIAAN VAN HEERDEN	ASST. CLERK	1.00	Officer	$0	$0	$0
MRS SARAH HUNTER	SECRETARY	1.00	Officer	$0	$0	$0
MRS ANNE OGILBY	PRESIDENT	1.00	Officer	$0	$0	$0
MRS SHIRLEY PUTNAM	VICE PRESIDE	1.00	Officer	$0	$0	$0
MR MICHAEL STRAWBRIDGE	VICE PRESIDE	1.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,103,858	$924,461	$2,516,735	$179,397
2024	$940,569	$914,653	$2,341,658	$25,916
2023	$929,308	$921,303	$2,271,475	$8,005
2022	$842,935	$814,041	$2,270,487	$28,894
2021	$873,637	$808,763	$2,228,113	$64,874
2020	$765,319	$693,252	$2,149,286	$72,067
2019	$849,424	$722,877	$2,099,613	$126,547
2018	$759,952	$712,522	$1,958,441	$47,430

THE HARBOR CLUB INC C/O THERESA MERCHANT