Harbor Christian Academy (EIN 371794479) - 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

2015

Legal Domicile

Principal Officer

Beverly Smith

Phone

7136374406

Tax Period

2024-07-01 to 2025-06-30

Harbor Christian Academy, founded in 2015, is a community nonprofit in the Education sector that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 87% from the prior year, signaling strong growth momentum. Expenses of $2.5M exceeded revenue, resulting in a 17% operating deficit.

Mission

Harbor Christian Academy (HCA) exists to transform students through classical Christian education.

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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 (2024)

Revenue Breakdown

Contributions & Grants $1,913,430

Program Service Revenue $198,505

Investment Income $22,546

Other Revenue $-757

TOTAL REVENUE $2,133,724

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,711,254

Fundraising Expenses $177,704

Program Expenses $2,206,298

Other Expenses $779,921

TOTAL EXPENSES $2,491,175

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,133,724	$1,143,227	+0.9%
Expenses	$2,491,175	$2,149,213	+0.2%
Net Income	$-357,451	$-1,005,986	-0.6%

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

$64,299

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Beverly Smith	Chair	2.00	Officer Director	$0	$0	$0
Jon Weichbrodt	Vice Chair, Secretary	2.00	Officer Director	$0	$0	$0
Angela Condley	Director	2.00	Director	$0	$0	$0
David McDowell	Director	2.00	Director	$0	$0	$0
Cathryn Selman	Director	2.00	Director	$0	$0	$0
Andres Zelaya	Director	2.00	Director	$0	$0	$0
John Bryant	Head of School	40.00	Officer	$64,299	$0	$64,299

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	$2,133,724	$2,491,175	$1,407,234	$-357,451
2024	No data	No data	No data	No data
2023	$1,061,119	$1,557,920	$2,807,246	$-496,801
2022	$1,055,054	$1,169,006	$3,293,211	$-113,952
2021	$3,091,577	$883,302	$3,405,169	$2,208,275

Harbor Christian Academy