Better Business Bureau Institute for Marketplace Ethics (EIN 411298300) - 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

1996

Legal Domicile

Principal Officer

Kari Niedfeldt-Thomas

Phone

6516952477

Tax Period

2024-07-01 to 2025-06-30

Better Business Bureau Institute for Marketplace Ethics, founded in 1996, is a small nonprofit in the Community Improvement sector that reported $174K in total revenue in fiscal year 2024. The organization ran a surplus of $108K, a strong 62% operating margin.

Mission

We work to ensure all consumers are empowered to choose better businesses and protect themselves from subpar marketplace behavior, and that all businesses have the resources and skills to succeed in the marketplace and become trustworthy businesses.

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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 $132,681

Program Service Revenue $33,020

Investment Income $8,382

Other Revenue $0

TOTAL REVENUE $174,083

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $65,235

Other Expenses $63,475

TOTAL EXPENSES $65,975

Year-over-Year Comparison

	2024	2023	Change
Revenue	$174,083	$175,913	0.0%
Expenses	$65,975	$110,006	-0.4%
Net Income	$108,108	$65,907	+0.6%

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

N/A

Volunteers

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

$546,666

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Owens	Chair	1.00	Officer Director	$0	$0	$0
Andy Kocemba	Secretary	1.00	Officer Director	$0	$0	$0
Louie Berezovsky	Treasurer	1.00	Officer Director	$0	$0	$0
Susan Adams Loyd	President & CEO (End 6/30/25)	4.00	Officer	$0	$51,142	$387,545
Kari Niedfeldt-Thomas	President & CEO (begin 6/30/25)	1.00	Officer	$0	$0	$0
Ryan Sharp	VP of Finance and Accounting	5.00	Officer	$0	$12,345	$159,121

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	$174,083	$65,975	$580,931	$108,108

Better Business Bureau Institute for Marketplace Ethics