HARBOR FUND INC

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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

2017

Legal Domicile

Principal Officer

HOLLI RIVERA

Phone

3017614433

Tax Period

2021-01-01 to 2021-12-31

HARBOR FUND INC, founded in 2017, is a small nonprofit that reported $147K in total revenue in fiscal year 2021. Revenue fell 95% from the prior year — a significant decline worth monitoring. Expenses of $718K exceeded revenue, resulting in a 389% operating deficit.

Mission

HARBOR FUND, INC. MAXIMIZES DONOR EFFECTIVENESS IN CREATING A HEALTHY AND JUST SOCIETY FULL OF OPPORTUNITY FOR YOUTH TO LEARN, GROW AND SUCCEED IN SUSTAINABLE CAREERS.

Program Service Accomplishments

Program 1

Expenses: $677,700

HARBOR FUND, INC. SEEKS TO FACILITATE, SUPPORT AND INCREASE CHARITABLE ACTIVITIES IN THE AREAS INCLUDING, BUT NOT LIMITED TO, YOUTH EDUCATION AND DEVELOPMENT, SCIENCE TECHNOLOGY, ENGINEERING, AND...

HARBOR FUND, INC. SEEKS TO FACILITATE, SUPPORT AND INCREASE CHARITABLE ACTIVITIES IN THE AREAS INCLUDING, BUT NOT LIMITED TO, YOUTH EDUCATION AND DEVELOPMENT, SCIENCE TECHNOLOGY, ENGINEERING, AND MATHEMATICS ("STEM") EDUCATION, NUTRITION AND FOOD RESCUE/RECOVERY, INTEGRATIVE MEDICINE, CONSERVATION AND THE ARTS. DURING THE YEAR ENDED DECEMBER 31, 2021, HARBOR FUND, INC. FACILITATED AND PAID 33 GRANTS TO VARIOUS ORGANIZATIONS FOR PROJECTS OR PURPOSES MEETING THE AREAS OF CHARITABLE ACTIVITIES OUTLINED ABOVE TOTALING $677,700.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $146,912

Other Revenue $0

TOTAL REVENUE $146,912

Expense Breakdown

Grants Paid $677,700

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $677,700

Other Expenses $40,089

TOTAL EXPENSES $717,789

Year-over-Year Comparison

	2021	2020	Change
Revenue	$146,912	$3,081,167	-1.0%
Expenses	$717,789	$765,452	-0.1%
Net Income	$-570,877	$2,315,715	-1.2%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HOLLI RIVERA	PRESIDENT AND EXECUTIVE DI	1.00	Officer Director	$0	$0	$0
ESSI EGBETO	TREASURER	1.00	Officer Director	$0	$0	$0
RUSS HARGROVE	SECRETARY	1.00	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
2021	$146,912	$717,789	$2,653,793	$-570,877
2020	$3,081,167	$765,452	$3,107,178	$2,315,715
2019	$557,487	$336,670	$744,252	$220,817
2018	$505,568	No data	$510,294	No data