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Harbor Club INC

Not tax-deductible

Mount Desert, ME501(c)(7)Mutual / membership EIN 01-0086202Revenue $1.1M in FY2025

On file with the IRSPo Box 884, 04660-0884 · Mount Desert, METax-exempt since Feb 1947

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Provide facilities to members for tennis and swimming activities.

501(c)(7) social or recreational club; gifts are not tax-deductible as charitable contributions.
100¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(7)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $63K a year · 7% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
100%
of spending
Looks good: 100% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
4 mo
of spending, in cash
Plus $852K in investments, Pt X · Ln 11–13
Looks good: 4.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$76K
3% of total assets
Looks good: liabilities are 3% of assets; 50% or less.
Pt X · Ln 26
Independent board members
23
of 23 voting members
Looks good: 23 of 23 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.1M
+17% vs prior year
Spent
$924K
To programs
100%
Net assets
$2.4M
By yearFY2020–FY2025
Revenue
$1.1M
FY2025▲ +17%
Tap a bar for its year
Revenue by fiscal year
FY2020$765K
FY2021$874K
FY2022$843K
FY2023$929K
FY2024$941K
FY2025$1.1M
Expenses
$924K
FY2025▲ +1%
Tap a bar for its year
Expenses by fiscal year
FY2020$693K
FY2021$809K
FY2022$814K
FY2023$921K
FY2024$915K
FY2025$924K
Net assets
$2.4M
FY2025▲ +8%
Tap a bar for its year
Net assets by fiscal year
FY2020$2.1M
FY2021$2.2M
FY2022$2.2M
FY2023$2.2M
FY2024$2.3M
FY2025$2.4M

From the FY2025 Form 990 (year ending October 2025) · figures checked against the IRS filing · see the original

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 1947.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

100 cents of each dollar spent went to programs.

Program services 100% · $924K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

23 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Harbor Club INC executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Offers members access to tennis and swimming facilities.

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Provided by the organization

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1 program · in their own filed words · FY2024
01

The harbor club provides tennis and swimming lessons and activities serving members and their families in seal harbor, me

Pt IX · col B

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.1M
Ln 12
Gifts and grantsLn 1h$888K
Fees for servicesLn 2g$188K
Investment incomeLn 3$28K
Money outPt IX
$924K
Ln 25
Programscol B$924K
Owns and owesPt X
$2.4M
net assets · Ln 32
Cash and savingsLn 1–2$323K
Total assetsLn 16$2.5M
LiabilitiesLn 26$76K
PeoplePt VI, VII
23
listed · VII A
PaidVII A0
Voting boardVI 1a23
IndependentVI 1b23
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$888K
Fees for servicesLn 2g$188K
Investment incomeLn 3$28K
Total revenueLn 12$1.1M
Assets in detailPt X, end of year
CashLn 1$172K
SavingsLn 2$151K
Cash and savings togetherLn 1–2$323K
InvestmentsLn 11–13$852K
Land, buildings, equipmentLn 10c$1.1M
Other assetsLn 15$102K
Total assetsLn 16$2.5M
LiabilitiesLn 26$76K
Net assetsLn 32$2.4M
OperationsPt I, VI
EmployeesI 535
Fiscal year endsHeaderOctober
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$326K$323K
InvestmentsLn 11–13$818K$852K
Land, buildings, equipmentLn 10c$1.0M$1.1M
Total assetsLn 16$2.3M$2.5M
LiabilitiesLn 26$90K$76K
Net assetsLn 32$2.3M$2.4M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$340K$340K
Pension plan contributionsLn 8$16K$16K
Other employee benefitsLn 9$45K$45K
Payroll taxesLn 10$29K$29K
Accounting feesLn 11c$9K$9K
Investment management feesLn 11f$2K$2K
Other fees for servicesLn 11g$6K$6K
Office expensesLn 13$19K$19K
OccupancyLn 16$22K$22K
Conferences, conventions and meetingsLn 19$15K$15K
Depreciation, depletion and amortizationLn 22$126K$126K
InsuranceLn 23$46K$46K
Other expenses (24a–d)Ln 24$248K$248K
Total functional expensesLn 25$924K$924K$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $1.1M$924K$179K$2.4M 990 PDF
FY2024 $941K$915K$26K$2.3M 990 PDF
FY2023 $929K$921K$8K$2.2M 990 PDF
FY2022 $843K$814K$29K$2.2M 990 PDF
FY2021 $874K$809K$65K$2.2M 990 PDF
FY2020 $765K$693K$72K$2.1M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $1,103,858 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $720,855$887,773
I-9 Program service revenuePrior year $191,643$187,937
I-10 Investment incomePrior year $28,071$28,148
I-11 Other revenue$0
I-12 Total revenuePrior year $940,569$1,103,858
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $438,020$429,414
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $476,633$495,047
I-18 Total expensesPrior year $914,653$924,461
I-19 Revenue less expensesPrior year $25,916$179,397
Part VI · Governance 23 of 23 board members independent, 4 to look at
VI-1a Voting members of the governing body23
VI-1b Independent voting members23
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
Part VIII · Statement of revenue $1,103,858 across 6 lines filed
VIII-1b Membership dues$718,585
VIII-1f All other contributions, gifts and grants$169,188
VIII-1h Total contributions, gifts and grants$887,773
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Excluded from tax $187,937$187,937
VIII-3 Investment incomeUnrelated business $28,148$28,148
VIII-12 Total revenueUnrelated business $28,148 · Excluded from tax $187,937$1,103,858
Part IX · Statement of functional expenses $924,461 across 13 lines filed
IX-7 Other salaries and wagesPrograms $340,097$340,097
IX-8 Pension plan contributionsPrograms $15,649$15,649
IX-9 Other employee benefitsPrograms $45,154$45,154
IX-10 Payroll taxesPrograms $28,514$28,514
IX-11c Accounting feesPrograms $9,000$9,000
IX-11f Investment management feesPrograms $2,500$2,500
IX-11g Other fees for servicesPrograms $6,156$6,156
IX-13 Office expensesPrograms $19,303$19,303
IX-16 OccupancyPrograms $21,569$21,569
IX-19 Conferences, conventions and meetingsPrograms $15,499$15,499
IX-22 Depreciation, depletion and amortizationPrograms $126,301$126,301
IX-23 InsurancePrograms $46,254$46,254
IX-24 Other expenses (24a–d)Programs $248,465$248,465
IX-25 Total functional expensesPrograms $924,461 · Management $0 · Fundraising $0$924,461
Part X · Balance sheet $2,516,735 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $185,841$172,198
X-2 Savings and temporary cash investmentsStart of year $140,598$150,557
X-4 Accounts receivableStart of year $103,396$98,532
X-9 Prepaid expenses and deferred chargesStart of year $27,271$31,533
X-10c Land, buildings and equipment, netStart of year $1,024,808$1,109,957
X-11 Publicly traded securitiesStart of year $817,689$852,214
X-15 Other assetsStart of year $42,055$101,744
X-16 Total assetsStart of year $2,341,658$2,516,735
X-25 Other liabilitiesStart of year $89,741$76,500
X-26 Total liabilitiesStart of year $89,741$76,500
X-27 Net assets without donor restrictionsStart of year $2,251,917$2,440,235
X-32 Total net assets or fund balancesStart of year $2,251,917$2,440,235
X-33 Total liabilities and net assetsStart of year $2,341,658$2,516,735
Part XI · Reconciliation of net assets $2,440,235 net assets at year end
XI-1 Total revenue$1,103,858
XI-2 Total expenses$924,461
XI-3 Revenue less expenses$179,397
XI-4 Net assets at start of year$2,251,917
XI-5 Net unrealized gains (losses) on investments$8,923
XI-9 Other changes in net assets−$2
XI-10 Net assets at end of year$2,440,235

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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