HARBOR TO THE BAY INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2003

Legal Domicile

Phone

6172337111

Tax Period

2023-01-01 to 2023-12-31

HARBOR TO THE BAY INC, founded in 2003, is a small nonprofit in the Diseases & Disorders sector that reported $489K in total revenue in fiscal year 2023. Revenue surged 41% from the prior year, signaling strong growth momentum. The organization ran a surplus of $83K, a strong 17% operating margin.

Mission

To organize a fund-raising bicycle ride and donate the proceeds to an organization or organizations which are Section 501(c)(3) organizations and are involved or related to the AIDS Disease.

Program Service Accomplishments

Program 1

Expenses: $399,811 Revenue: $489,046

Provide funding to Section 501(c)(3) organizations that perform charitable work related to AIDS and HIV.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $489,046

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $489,046

Expense Breakdown

Grants Paid $333,697

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $399,811

Other Expenses $72,355

TOTAL EXPENSES $406,052

Year-over-Year Comparison

	2023	2022	Change
Revenue	$489,046	$346,922	+0.4%
Expenses	$406,052	$376,759	+0.1%
Net Income	$82,994	$-29,837	-3.8%

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

N/A

Employees

N/A

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
JAMES M MORGRAGE	President	6.00	Officer	$0	$0	$0
FRANK RIBAUDO	Secretary	6.00	Officer	$0	$0	$0
FRANK RIBAUDO	Treasurer	0.00	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
2023	$489,046	$406,052	$84,221	$82,994
2022	$346,922	$376,759	$1,227	$-29,837
2021	$255,835	$235,222	$31,064	$20,613
2020	$214,199	$209,089	$10,451	$5,110
2019	$472,994	$508,961	$5,341	$-35,967
2018	$414,082	$383,607	$41,308	$30,475