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Germaine Harbor INC

Tax-deductible

Bethel Park, PA501(c)(3)Since 1992Housing EIN 25-1621777Revenue $750K in FY2025

On file with the IRSchristian-housing.org100 Germaine Lane, 15102-3055 · Bethel Park, PATax-exempt since May 1990Publicly supported charity — 170(b)(1)(A)(vi)

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Provides safe and affordable housing for low income elderly and physically challenged.

501(c)(3) charity; gifts are tax-deductible.
80¢ of each $1 spent went to programs.
Run by 9 volunteers.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
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
Yes
Donations are tax-deductible
Looks good: the IRS lists 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
4 of 6
filings with a surplus
Average surplus $11K a year · 2% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
80%
of spending
Looks good: 80% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
<1 mo
of spending, in cash
Worth a look: 0.5 months of spending in cash; under 1.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$2.2M
144% of total assets
Concern: liabilities are 144% of assets; over 80%.
Pt X · Ln 26
Independent board members
8
of 9 voting members
Looks good: 8 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$750K
+3% vs prior year
Spent
$738K
To programs
80%
Net assets
−$677K
By yearFY2020–FY2025
Revenue
$750K
FY2025▲ +3%
Tap a bar for its year
Revenue by fiscal year
FY2020$654K
FY2021$653K
FY2022$676K
FY2023$689K
FY2024$729K
FY2025$750K
Expenses
$738K
FY2025▲ +4%
Tap a bar for its year
Expenses by fiscal year
FY2020$672K
FY2021$659K
FY2022$643K
FY2023$666K
FY2024$707K
FY2025$738K
Net assets
−$677K
FY2025▲ +2%
Tap a bar for its year
Net assets by fiscal year
FY2020−$759K
FY2021−$765K
FY2022−$732K
FY2023−$710K
FY2024−$688K
FY2025−$677K

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in May 1990.

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

Where the money goes

80 cents of each dollar spent went to programs.

Program services 80% · $590K Management & general 20% · $148K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

9 people listed on the 990.

Part VII, Section A · reportable compensation
Deborah Gray
President
$0Pt VII · Sec A
Germaine Hofbauer
Vice President
$0Pt VII · Sec A
Dennis Cestra
Treasurer
$0Pt VII · Sec A
Frank Bayer
Secretary
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Germaine Harbor 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 safe, affordable housing for low-income seniors and people with disabilities.

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Provided by the organization

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1 program · $590K · in their own filed words · FY2025
01

Operate and maintain low-income housing for the elderly and handicapped.

$590Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$750K
Ln 12
Gifts and grantsLn 1h$526K
Fees for servicesLn 2g$218K
Investment incomeLn 3$3K
Money outPt IX
$738K
Ln 25
Programscol B$590K
Managementcol C$148K
Owns and owesPt X
−$677K
net assets · Ln 32
Cash and savingsLn 1–2$29K
Total assetsLn 16$1.5M
LiabilitiesLn 26$2.2M
PeoplePt VI, VII
9
listed · VII A
PaidVII A0
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$526K
Government grantsLn 1e$526K
Fees for servicesLn 2g$218K
Investment incomeLn 3$3K
Other incomeLn 4–11$2K
Total revenueLn 12$750K
Assets in detailPt X, end of year
CashLn 1$20K
SavingsLn 2$9K
Cash and savings togetherLn 1–2$29K
Land, buildings, equipmentLn 10c$929K
Other assetsLn 15$539K
Total assetsLn 16$1.5M
LiabilitiesLn 26$2.2M
Net assetsLn 32−$677K
OperationsPt I, VI
EmployeesI 50
VolunteersI 69
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
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$28K$29K
Land, buildings, equipmentLn 10c$1.0M$929K
Total assetsLn 16$1.6M$1.5M
LiabilitiesLn 26$2.3M$2.2M
Net assetsLn 32−$688K−$677K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Management feesLn 11a$45K$45K
Accounting feesLn 11c$11K$11K
Other fees for servicesLn 11g$234K$166K$69K
Office expensesLn 13$35K$14K$22K
OccupancyLn 16$233K$233K
Conferences, conventions and meetingsLn 19$2K$2K
InterestLn 20$61K$61K
Depreciation, depletion and amortizationLn 22$117K$117K
Other expenses (24a–d)Ln 24$520$520
Total functional expensesLn 25$738K$590K$148K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $750K$738K$11K−$677K 990 PDF
FY2024 $729K$707K$22K−$688K 990 PDF
FY2023 $689K$666K$22K−$710K 990 PDF
FY2022 $676K$643K$33K−$732K 990 PDF
FY2021 $653K$659K−$5K−$765K 990 PDF
FY2020 $654K$672K−$18K−$759K 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 $749,529 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $515,338$526,279
I-9 Program service revenuePrior year $207,081$217,898
I-10 Investment incomePrior year $3,500$2,968
I-11 Other revenuePrior year $3,255$2,384
I-12 Total revenuePrior year $729,174$749,529
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $707,208$738,383
I-18 Total expensesPrior year $707,208$738,383
I-19 Revenue less expensesPrior year $21,966$11,146
Part VI · Governance 8 of 9 board members independent, 3 to look at
VI-1a Voting members of the governing body9
VI-1b Independent voting members8
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
VI-12a Written conflict of interest policyYes
Part VIII · Statement of revenue $749,529 across 6 lines filed
VIII-1e Government grants$526,279
VIII-1h Total contributions, gifts and grants$526,279
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $217,898$217,898
VIII-3 Investment incomeExcluded from tax $2,968$2,968
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $2,384$2,384
VIII-12 Total revenueRelated to mission $217,898 · Unrelated business $0 · Excluded from tax $5,352$749,529
Part IX · Statement of functional expenses $738,383 across 9 lines filed
IX-11a Management feesManagement $45,103$45,103
IX-11c Accounting feesManagement $10,511$10,511
IX-11g Other fees for servicesPrograms $165,938 · Management $68,533$234,471
IX-13 Office expensesPrograms $13,501 · Management $21,500$35,001
IX-16 OccupancyPrograms $232,775$232,775
IX-19 Conferences, conventions and meetingsManagement $1,941$1,941
IX-20 InterestPrograms $60,700$60,700
IX-22 Depreciation, depletion and amortizationPrograms $117,361$117,361
IX-24 Other expenses (24a–d)Management $520$520
IX-25 Total functional expensesPrograms $590,275 · Management $148,108 · Fundraising $0$738,383
Part X · Balance sheet $1,529,547 assets, 12 lines filed
X-1 Cash, non-interest-bearingStart of year $18,639$19,775
X-2 Savings and temporary cash investmentsStart of year $8,960$8,960
X-9 Prepaid expenses and deferred chargesStart of year $30,295$32,373
X-10c Land, buildings and equipment, netStart of year $1,033,140$929,277
X-15 Other assetsStart of year $522,936$539,162
X-16 Total assetsStart of year $1,613,970$1,529,547
X-17 Accounts payable and accrued expensesStart of year $34,041$20,145
X-25 Other liabilitiesStart of year $16,761$16,254
X-26 Total liabilitiesStart of year $2,301,644$2,206,075
X-27 Net assets without donor restrictionsStart of year −$687,674−$676,528
X-32 Total net assets or fund balancesStart of year −$687,674−$676,528
X-33 Total liabilities and net assetsStart of year $1,613,970$1,529,547
Part XI · Reconciliation of net assets −$676,528 net assets at year end
XI-1 Total revenue$749,529
XI-2 Total expenses$738,383
XI-3 Revenue less expenses$11,146
XI-4 Net assets at start of year−$687,674
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year−$676,528

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

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