Harbour

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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

2013

Legal Domicile

Phone

4046448441

Tax Period

2018-01-01 to 2018-12-31

Harbour, founded in 2013, is a micro nonprofit that reported $40 in total revenue in fiscal year 2018. Revenue fell 96% from the prior year — a significant decline worth monitoring. Expenses of $4K exceeded revenue, resulting in a 9382% operating deficit.

Mission

Harbour's vision statement: Whole and healthy communities of Refugees and Asylum-Seekers living purposefully in the present and prepared for the future.

Program Service Accomplishments

Program 1

Expenses: $3,793 Revenue: $40

Basic Needs Program - One of Harbour's primary mission is to care for refugee community members' basic needs. This means making regular trips to family members' homes, bringing spices and necessary foods, assisting in paying community heating costs in the winter, and providing asylum seeker care and medical care.

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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 (2018)

Revenue Breakdown

Contributions & Grants $40

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $40

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $3,793

Other Expenses $3,793

TOTAL EXPENSES $3,793

Year-over-Year Comparison

	2018	2017	Change
Revenue	$40	$1,064	-1.0%
Expenses	$3,793	$9,432	-0.6%
Net Income	$-3,753	$-8,368	-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

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	Role	Reportable Comp	Other Comp	Total
Sarah Berberich	CEO/Secretary	Officer Director	$0	$0	$0
Nathan Williams	COO/Chairman	Officer Director	$0	$0	$0
Ashley Beavers	Treasurer	Officer 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
2018	$40	$3,793	No data	$-3,753