HARBOR SPRINGS FESTIVAL OF THE BOOK (EIN 471729627) - 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

2014

Legal Domicile

Principal Officer

AMY GILLARD

Phone

2318382725

Tax Period

2025-01-01 to 2025-12-31

HARBOR SPRINGS FESTIVAL OF THE BOOK, founded in 2014, is a small nonprofit in the Arts, Culture & Humanities sector that reported $703K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $117K, a strong 17% operating margin.

Mission

PROMOTE LITERACY AND EDUCATION THROUGH ANNUAL BOOK FESTIVAL FEATURING NATIONALLY KNOWN AUTHORS.

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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 $516,231

Program Service Revenue $162,691

Investment Income $15,271

Other Revenue $8,700

TOTAL REVENUE $702,893

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,689

Fundraising Expenses $60,680

Program Expenses $408,457

Other Expenses $456,818

TOTAL EXPENSES $585,507

Year-over-Year Comparison

	2025	2024	Change
Revenue	$702,893	$567,567	+0.2%
Expenses	$585,507	$462,502	+0.3%
Net Income	$117,386	$105,065	+0.1%

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

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

$63,887

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GAYLE EVEREST	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH FERGUS-JEAN	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINA LONG	DIRECTOR	1.00	Director	$0	$0	$0
KEITH PRETTY	DIRECTOR	1.00	Director	$0	$0	$0
IZABELA BABINSKA	DIRECTOR	1.00	Director	$0	$0	$0
SARAH R BAUGHMAN	DIRECTOR	1.00	Director	$0	$0	$0
GLEN YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER RENKER	VICE CHAIR	3.00	Officer Director	$0	$0	$0
KAREN FORD	SECRETARY	3.00	Officer Director	$0	$0	$0
ELISE FISHER	CHAIR	3.00	Officer Director	$0	$0	$0
SARA E SMITH	TREASURER	3.00	Officer Director	$0	$0	$0
AMY GILLARD	EXECUTIVE DIRECTOR	40.00	Officer	$62,077	$1,810	$63,887

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	$702,893	$585,507	$446,758	$117,386
2024	No data	No data	No data	No data
2023	$447,094	$392,700	$224,142	$54,394
2022	$366,604	$377,476	$166,294	$-10,872
2021	$330,983	$338,514	$178,989	$-7,531
2020	$213,441	$175,207	$184,056	$38,234
2019	$254,905	$241,378	$144,756	$13,527
2018	$234,301	$215,265	$131,229	$19,036

HARBOR SPRINGS FESTIVAL OF THE BOOK