Better Business Bureau of Chicago & Northern Illinois Inc

EIN: 360896695

CHICAGO, IL

Total Revenue
$8,255,444
Total Expenses
$7,877,676
Total Assets
$10,882,063
Net Assets
$5,576,038
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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
1926
Legal Domicile
IL
Principal Officer
Steve J Bernas
Phone
3122452523
Tax Period
2023-09-01 to 2024-08-31

Better Business Bureau of Chicago & Northern Illinois Inc, founded in 1926, is a community nonprofit that reported $8.3M in total revenue in fiscal year 2023. Expenses of $7.9M left a modest 5% surplus.

Mission

PROMOTE AND FOSTER THE HIGHEST ETHICAL RELATIONSHIP BETWEEN BUSINESSES AND THE PUBLIC.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $175
Program Service Revenue $7,808,178
Investment Income $166,712
Other Revenue $280,379
TOTAL REVENUE $8,255,444

Expense Breakdown

Grants Paid $0
Salaries & Benefits $5,774,250
Fundraising Expenses $0
Other Expenses $2,103,426
TOTAL EXPENSES $7,877,676

Year-over-Year Comparison

2023 2022 Change
Revenue $8,255,444 $7,937,138 +0.0%
Expenses $7,877,676 $7,797,797 +0.0%
Net Income $377,768 $139,341 +1.7%
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

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Governance

Voting Members
98
Independent Members
97
Employees
85
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
10
$390,602
Total Directors
99
$390,602
Key Employees
0
$0
Highest Compensated
4
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Steve J Bernas President & CEO 37.5
Officer Director
$350,667 $39,935 $390,602
Pierre Droira VP of Bus. Engagement/Advertis 37.5
Highest
$230,332 $29,136 $259,468
David Behnke Vice President of Finance 37.5
Highest
$208,780 $21,020 $229,800
Jay Elliott Director of Marketing 37.5
Highest
$179,570 $14,777 $194,347
Farhan Noorani Dir of Business Relations/Asst 37.5
Highest
$149,820 $21,969 $171,789
Carlos M Minetti Vice Chair 1.0
Officer Director
$0 $0 $0
Carl G Jacobson Chairman Emeritus 1.0
Officer Director
$0 $0 $0
Roy Spencer Vice Chair 1.0
Officer Director
$0 $0 $0
Kimberly A Svoboda Chairperson 1.0
Officer Director
$0 $0 $0
Charles A Gavzer Treasurer 1.0
Officer Director
$0 $0 $0
Billy Abt Director 1.0
Director
$0 $0 $0
Jack Arslanian Director 1.0
Director
$0 $0 $0
Ed Bachler Director 1.0
Director
$0 $0 $0
Mike Bettenhausen Director 1.0
Director
$0 $0 $0
Joseph B Brocato Director 1.0
Director
$0 $0 $0
Matt Bute Secretary 1.0
Officer Director
$0 $0 $0
Paul C Carlisle Director 1.0
Director
$0 $0 $0
Timothy J Czech Director 1.0
Director
$0 $0 $0
Nicholas Dacanay Director 1.0
Director
$0 $0 $0
Jeffrey Dann Director 1.0
Director
$0 $0 $0
Mark T Doyle Director 1.0
Director
$0 $0 $0
Jeffrey J Floerke Director 1.0
Director
$0 $0 $0
Ed Garcia Director 1.0
Director
$0 $0 $0
Errol Gerber Director 1.0
Director
$0 $0 $0
Thomas D Graham Director 1.0
Director
$0 $0 $0
Peter Grande Director 1.0
Director
$0 $0 $0
E Barry Greenberg Director 1.0
Director
$0 $0 $0
Stephan Ball Director 1.0
Director
$0 $0 $0
Timothy D Hutchison Vice Chair 1.0
Officer Director
$0 $0 $0
Clark H Johnson Director 1.0
Director
$0 $0 $0
Christopher M Kariotis Director 1.0
Director
$0 $0 $0
David Kelly Director 1.0
Director
$0 $0 $0
Christopher E Kentra Director 1.0
Director
$0 $0 $0
Ted Falge Director 1.0
Director
$0 $0 $0
Jill M Fields Director 1.0
Director
$0 $0 $0
Victoria Garofalo Director 1.0
Director
$0 $0 $0
Mike Marty Director 1.0
Director
$0 $0 $0
Howard Medley Director 1.0
Director
$0 $0 $0
Dale Mueller Director 1.0
Director
$0 $0 $0
David Musial Director 1.0
Director
$0 $0 $0
Kornel Grygo Director 1.0
Director
$0 $0 $0
Nichole R Owens Vice Chair 1.0
Officer Director
$0 $0 $0
Steve Piwowar Director 1.0
Director
$0 $0 $0
Allen A Rodriguez Director 1.0
Director
$0 $0 $0
Carlos San Jose Director 1.0
Director
$0 $0 $0
Patrick Santoro Director 1.0
Director
$0 $0 $0
William Howard Director 1.0
Director
$0 $0 $0
Vickie Schutze Director 1.0
Director
$0 $0 $0
David Sloan Director 1.0
Director
$0 $0 $0
Molly McKenna Jandrain Director 1.0
Director
$0 $0 $0
John Wells Director 1.0
Director
$0 $0 $0
Jerry Zienty Director 1.0
Director
$0 $0 $0
Cesar Marin Director 1.0
Director
$0 $0 $0
Keith Matthews Director 1.0
Director
$0 $0 $0
Victor Miceli Director 1.0
Director
$0 $0 $0
Dan Golden Director 1.0
Director
$0 $0 $0
Alicia Lyles Director 1.0
Director
$0 $0 $0
Shane K Print Vice Chair 1.0
Officer Director
$0 $0 $0
Julie Yurko Director 1.0
Director
$0 $0 $0
James Modelski Director 1.0
Director
$0 $0 $0
Duane Moore Director 1.0
Director
$0 $0 $0
Jeff Orduno Director 1.0
Director
$0 $0 $0
Nancy Pender Director 1.0
Director
$0 $0 $0
Robert Richmond Director 1.0
Director
$0 $0 $0
Teresa Rix Director 1.0
Director
$0 $0 $0
Roger T Stelle Director 1.0
Director
$0 $0 $0
Laurence P Szumski Director 1.0
Director
$0 $0 $0
Rocco Tarasi Director 1.0
Director
$0 $0 $0
Chad Wells Director 1.0
Director
$0 $0 $0
Joseph F White Director 1.0
Director
$0 $0 $0
Rob Barber Director 1.0
Director
$0 $0 $0
Deen Collins Director 1.0
Director
$0 $0 $0
Christian Ficara Director 1.0
Director
$0 $0 $0
Rebecca Fyffe Director 1.0
Director
$0 $0 $0
Ed Gjertsen II Director 1.0
Director
$0 $0 $0
Anthony J Jacob Director 1.0
Director
$0 $0 $0
Michael Magnusson Director 1.0
Director
$0 $0 $0
John Marzilli Director 1.0
Director
$0 $0 $0
Curtis Pascarella Director 1.0
Director
$0 $0 $0
Maria Pergolino Director 1.0
Director
$0 $0 $0
Burim Saliu Director 1.0
Director
$0 $0 $0
Matthew Stock Director 1.0
Director
$0 $0 $0
Thomas J Tropp Director 1.0
Director
$0 $0 $0
Krystal Roberts Director 1.0
Director
$0 $0 $0
Christina Bavery Director 1.0
Director
$0 $0 $0
Eileen Jaffe Director 1.0
Director
$0 $0 $0
Alvin Jefferson Director 1.0
Director
$0 $0 $0
Paul Larkin Director 1.0
Director
$0 $0 $0
Mike Pankau Director 1.0
Director
$0 $0 $0
Julian Posada Director 1.0
Director
$0 $0 $0
Kip Read Director 1.0
Director
$0 $0 $0
Adam Russell Director 1.0
Director
$0 $0 $0
Tope Sadiku Director 1.0
Director
$0 $0 $0
Mary Sandberg Boyle Director 1.0
Director
$0 $0 $0
Emir C Abinion Director 1.0
Director
$0 $0 $0
Ryan B Jacobson General Counsel 1.0
Director
$0 $0 $0
Dave Abrams Director 1.0
Director
$0 $0 $0
Nick Booras Director 1.0
Director
$0 $0 $0
Dave Chiappe Director 1.0
Director
$0 $0 $0
Jen Clune Director 1.0
Director
$0 $0 $0
Manny Flored Director 1.0
Director
$0 $0 $0
Dennis Ontaneda Director 1.0
Director
$0 $0 $0
Samir Patel Director 1.0
Director
$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
2024 $8,255,444 $7,877,676 $10,882,063 $377,768
2023 $7,937,138 $7,797,797 $9,540,443 $139,341
2022 $7,987,628 $7,214,013 $8,705,109 $773,615
2021 $7,242,725 $6,632,269 $9,345,951 $610,456
2020 $6,978,959 $6,638,386 $7,371,794 $340,573
2019 $7,113,415 $6,893,634 $6,832,954 $219,781
2018 $7,156,155 $6,823,861 $6,817,985 $332,294
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