GULF HARBORS CIVIC ASSOCIATION INC (EIN 237168768) - Form 990 Financial Analysis & Trantor Score

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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

1971

Legal Domicile

Principal Officer

PARIS TSIRNIKAS

Tax Period

2025-01-01 to 2025-12-31

GULF HARBORS CIVIC ASSOCIATION INC, founded in 1971, is a small nonprofit that reported $184K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. The organization ran a surplus of $34K, a strong 18% operating margin.

Mission

THE ASSOCIATION PROMOTES THE GULF HARBORS AREA THROUGH CLUBS AND ACTIVITIES. THE ASSOCIATION HAS APPROXIMATLEY 1000 MEMBERS THAT THEY SERV.

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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 (2025)

Revenue Breakdown

Contributions & Grants $146,678

Program Service Revenue $26,428

Investment Income $10,421

Other Revenue $0

TOTAL REVENUE $183,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,022

Fundraising Expenses $0

Program Expenses $23,223

Other Expenses $127,600

TOTAL EXPENSES $149,622

Year-over-Year Comparison

	2025	2024	Change
Revenue	$183,527	$193,615	-0.1%
Expenses	$149,622	$135,509	+0.1%
Net Income	$33,905	$58,106	-0.4%

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

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
DIANE ALESCI	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE CLARK	DIRECTOR	1.00	Director	$0	$0	$0
MITCH KOBERNICK	DIRECTOR	1.00	Director	$0	$0	$0
ALEX MARCANO	DIRECTOR	1.00	Director	$0	$0	$0
MARYANN MAUNG	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM SPERRY	DIRECTOR	1.00	Director	$0	$0	$0
KATHY EVERETT	TREASURER	5.00	Officer	$0	$0	$0
LONNIE SHOFF	SECRETARY	5.00	Officer	$0	$0	$0
NANCY STOKER	VICE PRESIDE	5.00	Officer	$0	$0	$0
PARIS TSIRNIKAS	PRESIDENT	5.00	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	$183,527	$149,622	$483,068	$33,905
2024	No data	No data	No data	No data

GULF HARBORS CIVIC ASSOCIATION INC