Safe Harbor (EIN 460344310) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1977

Legal Domicile

Principal Officer

Rachel Woodward

Phone

6052261212

Tax Period

2024-07-01 to 2025-06-30

Safe Harbor, founded in 1977, is a small nonprofit that reported $513K in total revenue in fiscal year 2017. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $654K exceeded revenue, resulting in a 28% operating deficit.

Mission

To assist women, children, and men during crisis situations and to provide resources for making positive life choices.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $730,204

Program Service Revenue $83,730

Investment Income $11,401

Other Revenue $2,228

TOTAL REVENUE $827,563

Expense Breakdown

Grants Paid $89,086

Salaries & Benefits $516,772

Fundraising Expenses $9,731

Program Expenses $715,153

Other Expenses $221,001

TOTAL EXPENSES $826,859

Year-over-Year Comparison

	2024	2023	Change
Revenue	$827,563	$888,109	-0.1%
Expenses	$826,859	$925,627	-0.1%
Net Income	$704	$-37,518	-1.0%

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

145

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

$133,729

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Adam Altman	President	1.00	Officer Director	$0	$0	$0
Rachel Woodward	Vice President	1.00	Officer Director	$0	$0	$0
Jessica Harry	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Amy Sanderson	Director	1.00	Director	$0	$0	$0
Ashley Hofland	Director	1.00	Director	$0	$0	$0
Krista Bau	Director	1.00	Director	$0	$0	$0
KaSara Sutton	Director	1.00	Director	$0	$0	$0
Chad Nilson	Director	1.00	Director	$0	$0	$0
Becky Schuldt	Director	1.00	Director	$0	$0	$0
Elliot Gall	Director	1.00	Director	$0	$0	$0
Kelly Comstock	Director	1.00	Director	$0	$0	$0
Gina Karst	Executive Director	40.00	Officer	$76,717	$1,567	$78,284
LaVonne Walker	Office Manager	40.00	Officer	$54,309	$1,136	$55,445

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	$827,563	$826,859	$2,110,766	$704
2024	$888,109	$925,627	$2,124,503	$-37,518
2023	$878,626	$865,269	$2,152,064	$13,357
2022	$783,299	$749,752	$2,134,499	$33,547
2021	$743,371	$863,667	$2,120,808	$-120,296
2020	$600,210	$652,176	$2,789,330	$-51,966
2019	$455,055	$605,374	$2,723,284	$-150,319
2018	$512,989	$654,435	$2,754,376	$-141,446

Safe Harbor