About Harbor Commons

For the people who carry it

Harbor Commons exists for the people who carry sailing organizations — quietly, repeatedly, and usually without a clean name for what they're carrying. In every club, program, fleet, foundation, and association, there's a carrier class of practitioners: the waterfront staffer who closes every loop, the volunteer who rebuilds the regatta plan at midnight, the treasurer who inherits an insurance renewal with no context, the commodore who is simultaneously governing and buffering everyone's anxiety. The work that makes the mission real is rarely the work that gets celebrated.

We've been in those rooms — as staff, volunteers, and operators. One structural pattern became obvious: the ecosystem keeps reinventing the same fundamentals in parallel. Awards, safety protocols, onboarding, insurance language, budgeting, committee handoffs, renewal comms, board reporting — solved again and again by good people, often in isolation, often with thin tools, often under time pressure. That repetition isn’t a moral failure. It’s what happens when a field has enormous care and competence but limited shared infrastructure.

Much of the most useful intelligence is already public: Form 990s, 990-EZs, 990-PFs, and their schedules. The problem isn't access — it's legibility and reuse. Harbor Commons makes that public record usable: visible, legible, and eventually queryable, so practitioners can understand their own organization longitudinally, compare across similar orgs regionally or nationally, and ask better questions with receipts instead of hearsay. We call the outcome quiet yield: small, respectful infrastructure that reduces duplication and anxiety, gives practitioners back time, and gives boards better questions — without requiring anyone to be a hero. This is practitioner-built: designed by people who’ve had to run the meeting, close the loop, and inherit the mess.

What is Harbor Commons?

Harbor Commons is a free, public resource that makes IRS Form 990 data accessible and useful for sailing organizations. Every number on this site comes directly from electronically filed IRS returns. We don't editorialize or fabricate. If it's not in the filing, it's not on the page. The point is not surveillance or outsider critique; the point is to help the people inside and around an organization understand it better, benchmark responsibly, and answer questions with receipts.

What Harbor Commons is for

Harbor Commons is built for practitioners: the treasurer trying to make sense of trends, the commodore preparing for hard board questions, the the executive director explaining a pre-2020 vs. post-2020 financial arc, the controller checking cost structure, the membership leader trying to understand capacity signals, and the incoming volunteer inheriting a financial picture without much institutional memory. The tool is most useful when it helps someone better understand their own organization, then place it beside a truly comparable club. We surface capacity measures (like total staff cost) to help practitioners ask better operational questions — not to score organizations.

What Harbor Commons is not for

It is not designed as a gotcha tool, surveillance tool, or generalized critique engine for organizations you have no relationship to. This is an "outside looking in" perspective, intentionally absent of internal context. These numbers show what was reported — not why. A club with lower expenses might be running lean, or deferring maintenance. Higher net revenue could mean great fundraising or a one-time building sale. The practitioners closest to the work will know the story behind the numbers. Public data can always be misused; our aim is the opposite. We want to reduce hearsay, reward careful comparison, and help practitioners ask better questions about organizations they steward, support, join, govern, or advise.

What is a Form 990?

A Form 990 is the annual financial report that tax-exempt organizations file with the IRS. It covers revenue, expenses, assets, officers, and programs. It's a public record — like an annual report, but sworn and standardized. Most sailing clubs, yacht clubs, community sailing organizations, and sailing foundations file one of three versions: Form 990 (full), Form 990-EZ (simplified), or Form 990-PF (private foundations). Harbor Commons covers all three. Read more about the data and its limits →

What are "Filing Signals"?

Signals are longitudinal pattern flags computed from each organization's own filing history. They are not IRS audit flags, compliance violations, or legal findings. They are not accusations. They flag where the numbers don't align with the organization's own prior history — nothing more. Read the full Signals explanation →

About the data

Harbor Commons tracks 2,100+ sailing- and blue-space-related tax-exempt organizations across the IRS ecosystem — including yacht clubs and sailing clubs, community sailing organizations, youth and scholastic sailing programs, sailing foundations, class and racing associations, and Local Sailing Organizations (LSOs). Of those, 1,200+ currently have machine-readable e-file returns (Form 990 or 990‑EZ) with financial data displayed on this site.

This is an approximate count: the IRS corpus changes over time, and some organizations file 990‑N (postcard) or paper returns that aren't available as machine-readable data. Some filings may exist as PDFs or scanned public inspection copies; those may be present as source documents even when structured tables aren't populated yet. Coverage expands as the IRS releases additional e-file data (typically with a 6–18 month lag).

Harbor Commons is sailing-first, not sailing-only. We include a small number of adjacent organizations when they have a clear, material connection to the sailing ecosystem in a region.

If your organization isn't listed, send us a signal. If it has a sailing or blue-space component, we'll work to add it.

Questions, corrections, or feedback?

If a signal misrepresents your organization's situation, or if you have context the filing cannot carry, contact us. Your input makes the instrument more accurate for every practitioner who looks at this data after you.

Send us a signal →

Data sources & credits

All financial data on Harbor Commons comes directly from electronically filed IRS returns. We do not access, store, or display any non-public organizational data.

  • IRS Tax Exempt Organization Search (TEOS) — electronically filed Forms 990, 990-EZ, and 990-PF. irs.gov/teos
  • IRS Exempt Organizations Business Master File (BMF) — organization classifications, NTEE codes, and ruling dates.
  • IRS e-file XML data — machine-readable filings accessed through the GivingTuesday 990 Data Lake, an open mirror of IRS TEOS e-file submissions.

Filing signals are computed patterns derived from an organization's own multi-year filings. They are not audit findings, compliance judgments, or assessments of any kind.

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