GERMAINE HARBOR INC (EIN 251621777) - 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

1992

Legal Domicile

Principal Officer

DANIEL BARBUSIO

Phone

4128339818

Tax Period

2025-01-01 to 2025-12-31

GERMAINE HARBOR INC, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $750K in total revenue in fiscal year 2025.

Mission

PROVIDES SAFE AND AFFORDABLE HOUSING FOR LOW INCOME ELDERLY AND PHYSICALLY CHALLENGED.

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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 $526,279

Program Service Revenue $217,898

Investment Income $2,968

Other Revenue $2,384

TOTAL REVENUE $749,529

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $590,275

Other Expenses $738,383

TOTAL EXPENSES $738,383

Year-over-Year Comparison

	2025	2024	Change
Revenue	$749,529	$729,174	+0.0%
Expenses	$738,383	$707,208	+0.0%
Net Income	$11,146	$21,966	-0.5%

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

N/A

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

$171,840

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH GRAY	PRESIDENT	1.00	Officer Director	$0	$0	$0
GERMAINE HOFBAUER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DENNIS CESTRA	TREASURER	1.00	Officer Director	$0	$0	$0
FRANK BAYER	SECRETARY	1.00	Officer Director	$0	$0	$0
DANIEL BARBUSIO	DIRECTOR	1.00	Director	$0	$32,025	$171,840
REV JOHN HISSRICH	DIRECTOR	1.00	Director	$0	$0	$0
DARRELL KAURIC	DIRECTOR	1.00	Director	$0	$0	$0
THEODORA WIECKOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
SISTER VINCENT MARIE SIDICK	DIRECTOR EMERITUS	1.00	Director	$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	$749,529	$738,383	$1,529,547	$11,146
2024	$729,174	$707,208	$1,613,970	$21,966
2023	$688,751	$666,375	$1,681,830	$22,376
2022	$675,822	$643,040	$1,711,309	$32,782
2021	$653,473	$658,960	$1,751,439	$-5,487
2020	$654,406	$671,907	$1,830,715	$-17,501
2019	$639,297	$676,684	$1,912,546	$-37,387
2018	$631,757	$672,723	$2,005,178	$-40,966

GERMAINE HARBOR INC