BETTER BUSINESS BUREAU SERVING NW OHIO AND SE MICHIGAN (EIN 344374535) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1919

Legal Domicile

Principal Officer

LANE MONTZ

Phone

4195786000

Tax Period

2024-04-01 to 2025-03-31

BETTER BUSINESS BUREAU SERVING NW OHIO AND SE MICHIGAN, founded in 1919, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $2.3M left a modest 10% surplus.

Mission

PROMOTION OF ETHICAL BUSINESS PRACTICES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,482,512

Investment Income $45,793

Other Revenue $1,660

TOTAL REVENUE $2,529,965

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,403,106

Fundraising Expenses $601,445

Program Expenses $1,076,625

Other Expenses $879,598

TOTAL EXPENSES $2,282,704

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,529,965	$2,806,506	-0.1%
Expenses	$2,282,704	$2,258,003	+0.0%
Net Income	$247,261	$548,503	-0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$194,291

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHERI FERGUSON	BOARD MEMBER	0.00	Director	$0	$0	$0
MARK HILL	BOARD MEMBER	0.00	Director	$0	$0	$0
MIKE KORZIN	BOARD MEMBER	0.00	Director	$0	$0	$0
TOD PHILLIPS	BOARD MEMBER	0.00	Director	$0	$0	$0
EMILY TURNER	BOARD MEMBER	0.00	Director	$0	$0	$0
DEBRA GRIMES	BOARD MEMBER	0.00	Director	$0	$0	$0
LAURIE GROSS	BOARD MEMBER	0.00	Director	$0	$0	$0
JASON WOLBERS	BOARD MEMBER	0.00	Director	$0	$0	$0
SCOTT HINZ	BOARD MEMBER	0.00	Director	$0	$0	$0
TIM SCHLACHTER	BOARD MEMBER	0.00	Director	$0	$0	$0
LANE MONTZ	PRESIDENT	40.00	Officer	$173,096	$21,195	$194,291
NATE SEGALL	CHAIRMAN	0.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$2,529,965	$2,282,704	$4,077,173	$247,261
2024	$2,806,506	$2,258,003	$4,018,376	$548,503
2023	$2,388,576	$2,252,978	$3,114,245	$135,598
2022	$2,296,874	$2,145,312	$3,159,147	$151,562
2021	$2,304,815	$2,086,681	$3,130,913	$218,134
2020	$2,334,746	$2,128,301	$2,683,463	$206,445
2019	$2,301,752	$2,113,866	$2,658,019	$187,886
2018	$2,297,503	$2,085,285	$2,578,492	$212,218

BETTER BUSINESS BUREAU SERVING NW OHIO AND SE MICHIGAN