HARBOR ASSOCIATION OF INDUSTRY AND COMMERCE (EIN 952972609) - 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

1975

Legal Domicile

Principal Officer

KAT JANOWICZ

Phone

8884542957

Tax Period

2021-01-01 to 2021-12-31

HARBOR ASSOCIATION OF INDUSTRY AND COMMERCE, founded in 1975, is a micro nonprofit that reported $97K in total revenue in fiscal year 2021. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $89K left a modest 8% surplus.

Mission

THE ORGANIZATION WAS FORMED TO INITIATE, SPONSOR, AND PROMOTE POLICIES TO FURTHER DEVELOPMENT OF COMMERCE AND INDUSTRY IN THE HARBOR AREA. MAIN EVENTS INCLUDE THE SALUTE TO INDUSTRY AND ANNUAL SACRAMENTO VISIT.

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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 $97,300

Investment Income $11

Other Revenue $0

TOTAL REVENUE $97,311

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $25,450

Other Expenses $89,173

TOTAL EXPENSES $89,173

Year-over-Year Comparison

	2021	2020	Change
Revenue	$97,311	$143,969	-0.3%
Expenses	$89,173	$70,259	+0.3%
Net Income	$8,138	$73,710	-0.9%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRANCES KEELER	PRESIDENT	3.00	Officer Director	$0	$0	$0
GREG ALEXANDER	1ST VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
TOM O'BRIEN	2ND VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
FAVIOLA OCHOA	TREASURER	3.00	Officer Director	$0	$0	$0
JESSE URQUIDI	SECRETARY	3.00	Officer Director	$0	$0	$0
KAT JANOWICZ	DIRECTOR	3.00	Officer Director	$0	$0	$0
ANDREW NICKERSON	DIRECTOR	2.00	Director	$0	$0	$0
ANTHONY LIZZI	DIRECTOR	2.00	Director	$0	$0	$0
DAVID THORNBURG	DIRECTOR	2.00	Director	$0	$0	$0
DONALD NORTON	DIRECTOR	2.00	Director	$0	$0	$0
ERICK MARTELL	DIRECTOR	2.00	Director	$0	$0	$0
GWEN BUTTERFIELD	DIRECTOR	2.00	Director	$0	$0	$0
JOEL PERLER	DIRECTOR	2.00	Director	$0	$0	$0
JOHN CRUIKSHANK	DIRECTOR	2.00	Director	$0	$0	$0
JOSH LAFARGA	DIRECTOR	2.00	Director	$0	$0	$0
KERRY SIMPSON	DIRECTOR	2.00	Director	$0	$0	$0
KIMIA KHATAMI	DIRECTOR	3.00	Director	$0	$0	$0
NOEL HACEGABA	DIRECTOR	2.00	Director	$0	$0	$0
PATRICK WILSON	DIRECTOR	2.00	Director	$0	$0	$0
RANDALL SMITH	DIRECTOR	2.00	Director	$0	$0	$0
STEVE CHESSER	DIRECTOR	2.00	Director	$0	$0	$0
TREVOR CLARK	DIRECTOR	2.00	Director	$0	$0	$0
VINCENT PELLECHIA	DIRECTOR	2.00	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	$97,311	$89,173	$301,816	$8,138
2020	$143,969	$70,259	$359,574	$73,710
2019	$167,461	$133,685	$337,918	$33,776
2018	$140,610	$103,027	$285,207	$37,583

HARBOR ASSOCIATION OF INDUSTRY AND COMMERCE