Charity Search / HARBOR CITY SCHOOL INCORPORATED
Education (B20) IRS Verified DX Registered 990 on File

HARBOR CITY SCHOOL INCORPORATED

EIN: 27-3057151 · EAST BOSTON, MA 02128-1485 · United States · FY 2025 Data
3 out of 5 58 / 100 Based on 2+ years of filings
Financial strength (30%) 92/100
Reliability (20%) 50/100
Effectiveness (25%) 81/100
Impact (25%) No data yet
Financial data: FY 2025 · Scored 9/13/2026
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CharityAI™ Score
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Mission Statement

Harbor City School (HCS) is a non-profit, independent preschool located in the heart of East Boston. Created by a small group of dedicated local moms in 2010, HCS aims to provide a year round nurturing and stimulating environment for up to 35 children aged 2.9 to 6 years old. While traditional preschools are only half day, HCS also offers a full day option in order to suit the needs of full time working families in our community. For families who wish to actively participate in their child’s preschool experience, we are also a cooperative school, with co-op responsibilities for families both in and out of the classroom. Families have the option to not participate in the classroom co-op portion of our school, but instead pay a monthly non-participation fee. HCS does not discriminate on the basis of race, sex, cultural heritage, national origin, religion, political beliefs, sexual orientation, family structure or toilet training status. Harbor City School is excited to celebrate the diversity that is evident in our local neighborhoods. While we are still considered a part of the greater city of Boston, we are separated by the Boston Harbor and are fortunate to have vast green spaces just outside our doors with playgrounds, sprinkler parks, bike paths and community gardens, all the while just a T stop away from being in downtown Boston. HCS celebrates the diversity of our families served and by making connections between families, we make connections to the community at large that continue well beyond the preschool years. HCS staff believe in providing a nurturing, safe and educationally appropriate environment for all our children. We use a child-centered, play-based curriculum and follow the developmental model of education, encouraging academic and social growth through exploration, cooperative problem solving and critical thinking. Children develop social and educational relationships with supportive adults. Activities are age appropriate and with positive and consistent guidance, designed to foster the cognitive, emotional, social and physical development of all children while still meeting the individual needs to children within the group. When planning classroom curriculum teachers use the Massachusetts state frameworks as a guide.

Financial Overview — FY 2025
$904K
Total Revenue
$735K
Total Expenses
$470K
Net Assets
10
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio 76.4%
Fundraising Efficiency N/A
Operating Reserve 7.67x
Liability-to-Asset 15.7%
Revenue Diversification 81.1%
Compared with Peers
FY 2025
Compared with 10,291 similar organizations (United States, Education, $100K–$1M in expenses), FY 2025.
This organization Middle half of peers (P25–P75) Peer median
Ratio This org Peer median Position (P10 → P90)
Program expense ratio
Program expenses / total expenses · higher is better
76.4% 89.6%
P10P90
Below median
Admin expense ratio
Management and general / total expenses · lower is better
23.6% 7.5%
P10P90
Bottom quarter
Fundraising expense ratio
Fundraising expenses / total expenses · lower is better
0.0% 0.0%
P10P90
Top quarter
Operating reserve
Months of expenses covered by net assets · higher is better
7.7 mo 9.1 mo
P10P90
Below median
Liabilities to assets
Total liabilities / total assets · lower is better
15.7% 0.1%
P10P90
Bottom quarter
Revenue concentration
Share of revenue from the largest source · lower is better
81.1% 87.8%
P10P90
Above median
Revenue growth
Year over year revenue growth
17.3% 6.3%
P10P90
Expense growth
Year over year expense growth
17.7% 7.6%
P10P90
Surplus margin
Surplus as a share of revenue
18.7% 3.1%
P10P90
Financial History
Year Revenue Expenses Net Assets Program % Staff
2025 $904K $735K $470K 76.4% 10
2024 $771K $624K $301K 76.9% 10
2023 $654K $555K $154K 77.0% 8
2022 $604K $517K $55K 76.3% 5
2021 $334K $412K N/A 8
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Organization Details
EIN
27-3057151
State
MA
City
EAST BOSTON
ZIP
02128-1485
Classification
B20
Category
Education
Rating
3★
Coverage
A
Last Updated
Aug 2026
IRS Ruling Year
2010
Foundation Code
11
Form 990
On File
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