HARBOR ROCK RECOVERY

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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

Principal Officer

DAN BRADFORD

Phone

3106994987

Tax Period

2025-01-01 to 2025-12-31

HARBOR ROCK RECOVERY, founded in 2013, is a small nonprofit in the Housing & Shelter sector that reported $113K in total revenue in fiscal year 2025. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $144K exceeded revenue, resulting in a 27% operating deficit.

Mission

PROVIDE GAP HOUSING FOR RECOVING INDIVIDUALS WITH CHRIST BASED COUNSELING AND BIBLICAL SUPPORT FOR LIFE AFFIRMING DECISION MAKING PROCESSES.

Program Service Accomplishments

Program 1

Expenses: $25,474

HAVE PROVIDED CHRIST BASED SERVICE TO INDIVIDUALS WHO HAVE NEEDED A SAFE PLACE TO ALLOW RECOVERY AND REDIRECTION OF PRIORITIES PREDICATED ON THE CREATOR'S RESOURCE OF SUFFICIENCY IN CHRIST HIMSELF.

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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 $145,590

Program Service Revenue $0

Investment Income $0

Other Revenue $-32,140

TOTAL REVENUE $113,450

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,495

Fundraising Expenses $3,781

Program Expenses $25,474

Other Expenses $50,795

TOTAL EXPENSES $144,290

Year-over-Year Comparison

	2025	2024	Change
Revenue	$113,450	$142,060	-0.2%
Expenses	$144,290	$72,887	+1.0%
Net Income	$-30,840	$69,173	-1.4%

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

N/A

Employees

N/A

Volunteers

N/A

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

$86,539

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN BRADFORD	Director	40.00	Director	$86,539	$0	$86,539

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	$113,450	$144,290	$60,615	$-30,840
2024	$142,060	$72,887	$91,455	$69,173
2023	$8,596	$8,431	$22,282	$165