Harbor Foundation
Harbor Foundation consistently operates at a deficit, eroding its asset base.
EIN: 10526170 · York Harbor, ME · NTEE: T20 · Updated: 2026-03-28
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Harbor Foundation is mapped to EIN 10526170.
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11 stored filing years available.
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11 stored filing years available.
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Source and Resolution Links
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Workflow Engine
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60% program spend, health grade B
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| Metric | Value |
|---|---|
| Total Revenue | $73K |
| Total Expenses | $18K |
| Program Spending | 60% |
| Net Assets | $147K |
| Transparency Score | 45/100 |
Search Intent Cockpit
Harbor Foundation Form 990, Revenue, CEO Pay, and IRS Filing Signals
Harbor Foundation is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Harbor Foundation in one place.
Form 990 Filing Summary
11 filing years are available, with latest revenue of $7K and expenses of $18K.
Revenue and Expenses
Harbor Foundation reported $7K in revenue and $18K in expenses, a deficit of $11K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
45/100 mission score, 3 red flags, and 2 strengths are shown from structured and AI review.
Is Harbor Foundation Legit?
Significant Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $11K (60%) |
Across stored filings, Harbor Foundation shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Significant Concerns | Good filing record; 3 red flags identified |
| Mission spend | 60% to programs | Below Average |
| Financial durability | Grade B | 11 stored filing years |
| Peer context | Compare with Maine Composite Materials Applied Technology Development Center | Maine and Philanthropy context |
Trust Check
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York Harbor, ME nonprofitsPhilanthropy in Maine
Public Benefit in Maine
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Donation Decision Flow
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Verify
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2Understand money
60% of spending goes to programs.
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4Decide
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Alternative Shopping
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Research Workflow
Turn this Form 990 profile into a donor-ready report
Request a concise report for Harbor Foundation with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.
Early access request only. Reports and exports are informational and based on public IRS records, not financial or legal advice.
Harbor Foundation directs 60% of its spending to programs. This falls below the 65% benchmark. Donors may want to investigate further.
About Harbor Foundation
Harbor Foundation (EIN: 10526170) is a nonprofit organization based in York Harbor, ME, classified under NTEE code T20. The organization reported total revenue of $73K and total assets of $135K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Harbor Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Harbor Foundation is a micro nonprofit that has been operating for 27 years, with 11 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -8.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $7K |
| Total Expenses | $18K |
| Surplus / Deficit | $-11,069 |
| Total Assets | $147K |
| Total Liabilities | $1 |
| Net Assets | $147K |
| Operating Margin | -157.2% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 97.4 months |
Financial Health Grade: B
In 2023, Harbor Foundation reported a deficit of $11K with expenses exceeding revenue, holds 97.4 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 11 years of filings (2011–2023), Harbor Foundation's revenue has declined at a compound annual growth rate (CAGR) of -8.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +4193.9% | -28.9% | -7.0% |
| 2022 | -99.6% | +29.6% | -13.8% |
| 2021 | +262.8% | +9.1% | +10.8% |
| 2020 | -52.9% | -29.9% | -9.2% |
| 2019 | +1007.4% | +37.7% | +4.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1999 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Harbor Foundation with a Mission Score of 45 out of 100 (Fair). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 30%
- programs: 60%
- fundraising: 10%
According to IRS 990 filings, Harbor Foundation allocates its expenses as follows: admin: 30%, programs: 60%, fundraising: 10%. Approximately 60% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $11K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
Executive compensation has consistently been reported as 0% across all available filings, indicating a volunteer-led organization, which is commendable for minimizing overhead in this area.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Harbor Foundation's IRS 990 filings:
- Consistent operating deficits (expenses exceeding revenue in most years, e.g., 2023: $18,111 expenses vs. $7,042 revenue).
- Declining asset base over time (from $192,675 in 2015 to $146,985 in 2023).
- Very low revenue in some periods (e.g., $164 in 2022) relative to expenses, indicating potential funding instability.
Strengths
The following positive indicators were identified for Harbor Foundation:
- Zero officer compensation reported, indicating a volunteer-driven leadership.
- Low liabilities across all reported periods, suggesting good debt management.
Frequently Asked Questions about Harbor Foundation
Is Harbor Foundation a legitimate charity?
Harbor Foundation (EIN: 10526170) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 45/100. It has 11 years of IRS 990 filings on record. Total revenue: $73K. 3 red flags identified. 2 strengths noted. Financial health grade: B.
How does Harbor Foundation spend its money?
Harbor Foundation directs 60% of its spending to programs and services. Fundraising costs 10%. This falls below the 65% benchmark.
Are donations to Harbor Foundation tax-deductible?
Harbor Foundation is registered as a tax-exempt nonprofit (EIN: 10526170). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Harbor Foundation's spending goes to programs?
Harbor Foundation directs 60% to programs, 10% to fundraising. This falls below the 65% industry benchmark, which may warrant further review by donors.
How does Harbor Foundation compare to similar nonprofits?
With a transparency score of 45/100 (Fair), Harbor Foundation is near average for NTEE category T20 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Harbor Foundation located?
Harbor Foundation is headquartered in York Harbor, Maine and files with the IRS under EIN 10526170. It is classified under NTEE code T20.
How many years of IRS 990 filings does Harbor Foundation have?
Harbor Foundation has 11 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $73K in total revenue.
Is Harbor Foundation financially sustainable?
Based on the consistent operating deficits where expenses frequently exceed revenue (e.g., $18,111 expenses vs. $7,042 revenue in 2023), the organization does not appear financially sustainable in its current operational model.
What is causing the consistent decline in assets?
The consistent decline in assets from $192,675 in 2015 to $146,985 in 2023 is primarily due to the organization's expenses regularly exceeding its revenue, forcing it to draw down its reserves to cover operational costs.
How does the organization fund its operations given the low revenue?
Given the low and often fluctuating revenue, and consistent deficits, the organization appears to be funding its operations by utilizing its existing asset base, which has been steadily decreasing over time.
Filing History
IRS 990 filing history for Harbor Foundation showing financial trends over 11 years of public records:
Over 11 years of IRS 990 filings (2011–2023), Harbor Foundation's revenue has declined by 65.8%, moving from $21K to $7K. Total assets increased by 9.4% over the same period, from $134K to $147K. Total functional expenses rose by 93.7%, from $9K to $18K. In its most recent filing year (2023), Harbor Foundation reported a deficit of $11K, with expenses exceeding revenue. The organization holds $1 in liabilities against $147K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $147K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $7K | $18K | $147K | $1 | — | View 990 |
| 2022 | $164 | $25K | $158K | $1 | — | View 990 |
| 2021 | $38K | $20K | $183K | $1 | — | View 990 |
| 2020 | $10K | $18K | $165K | $400 | — | View 990 |
| 2019 | $22K | $26K | $182K | $400 | — | View 990 |
| 2016 | $2K | $19K | $175K | $400 | — | View 990 |
| 2015 | $50K | $15K | $193K | $365 | — | View 990 |
| 2014 | $26K | $14K | $158K | $365 | — | View 990 |
| 2013 | $23K | $13K | $146K | $365 | — | View 990 |
| 2012 | $14K | $12K | $137K | $345 | — | View 990 |
| 2011 | $21K | $9K | $134K | $322 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $7K, expenses of $18K, and assets of $147K (revenue +4193.9% year-over-year).
- 2022: Revenue of $164, expenses of $25K, and assets of $158K (revenue -99.6% year-over-year).
- 2021: Revenue of $38K, expenses of $20K, and assets of $183K (revenue +262.8% year-over-year).
- 2020: Revenue of $10K, expenses of $18K, and assets of $165K (revenue -52.9% year-over-year).
- 2019: Revenue of $22K, expenses of $26K, and assets of $182K (revenue +1007.4% year-over-year).
- 2016: Revenue of $2K, expenses of $19K, and assets of $175K (revenue -96.0% year-over-year).
- 2015: Revenue of $50K, expenses of $15K, and assets of $193K (revenue +91.4% year-over-year).
- 2014: Revenue of $26K, expenses of $14K, and assets of $158K (revenue +14.3% year-over-year).
- 2013: Revenue of $23K, expenses of $13K, and assets of $146K (revenue +59.3% year-over-year).
- 2012: Revenue of $14K, expenses of $12K, and assets of $137K (revenue -30.7% year-over-year).
- 2011: Revenue of $21K, expenses of $9K, and assets of $134K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Harbor Foundation:
Data Sources and Methodology
This transparency report for Harbor Foundation is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.