Harbor Area Housing (EIN 382088325) - 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

1975

Legal Domicile

Principal Officer

Joanne Robinson

Tax Period

2024-07-01 to 2025-06-30

Harbor Area Housing, founded in 1975, is a micro nonprofit in the Housing & Shelter sector that reported $69 in total revenue in fiscal year 2024. Revenue fell 84% from the prior year — a significant decline worth monitoring. Expenses of $543 exceeded revenue, resulting in a 687% operating deficit.

Mission

Provide services to low income senior adults

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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 $0

Program Service Revenue $0

Investment Income $69

Other Revenue $0

TOTAL REVENUE $69

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $543

TOTAL EXPENSES $543

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69	$434	-0.8%
Expenses	$543	$327	+0.7%
Net Income	$-474	$107	-5.4%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kay Flavin	trustee	001.00	Director	$0	$0	$0
Roy Griffitts	Vice Chair	001.00	Officer Director	$0	$0	$0
Linda Rhodes-Pauly	trustee	001.00	Officer Director	$0	$0	$0
Edy Stoughton	Secretary	001.00	Officer Director	$0	$0	$0
Emil Muccino	Treasurer	001.00	Officer Director	$0	$0	$0
Nancy McEnroe	trustee	001.00	Director	$0	$0	$0
David Monan	trustee	001.00	Director	$0	$0	$0
Dr Maria Kokas	trustee	001.00	Director	$0	$0	$0
Joanne Robinson	Chair	001.00	Director	$0	$0	$0
David Hartnett	trustee	001.00	Director	$0	$0	$0
Ron Rapson	trustee	001.00	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	$69	$543	$5,385	$-474
2024	$434	$327	$5,859	$107
2023	No data	$5,455	$6,707	No data
2022	$3,764	$105,710	$31,193	$-101,946
2021	$72,531	$100,849	$62,732	$-28,318

Harbor Area Housing