Better Business Bureau Inc (EIN 570789537) - 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

1985

Legal Domicile

Principal Officer

Chris Hadley

Phone

8032542525

Tax Period

2025-01-01 to 2025-12-31

Better Business Bureau Inc, founded in 1985, is a small nonprofit that reported $833K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $735K left a modest 12% surplus.

Mission

The Bureau is a public service agency devoted to protecting the consuming public. The Bureau serves 15 counties in South Carolina and is funded by membership dues.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $743,672

Investment Income $76,270

Other Revenue $12,575

TOTAL REVENUE $832,517

Expense Breakdown

Grants Paid $0

Salaries & Benefits $307,144

Fundraising Expenses $312,058

Program Expenses $306,078

Other Expenses $428,234

TOTAL EXPENSES $735,378

Year-over-Year Comparison

	2025	2024	Change
Revenue	$832,517	$719,529	+0.2%
Expenses	$735,378	$740,820	0.0%
Net Income	$97,139	$-21,291	-5.6%

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

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

$96,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chris Hadley	President & CEO	40.00	Officer	$96,500	$0	$96,500
Rick Durkee	Director	1.00	Director	$0	$0	$0
Matt Thompson	Director	1.00	Director	$0	$0	$0
John Peevey	Director	1.00	Director	$0	$0	$0
Fallon Rose	Director	1.00	Director	$0	$0	$0
Joe Thickens	Director	1.00	Director	$0	$0	$0
Kraig Clark	Director	1.00	Director	$0	$0	$0
Chris Morrison	Past Chair	1.00	Officer	$0	$0	$0
Gwendolyn Rivers	Chair	1.00	Officer	$0	$0	$0
Tom Moses	Legal Counsel	1.00	Officer	$0	$0	$0
Harris Eckstrom	Vice Chair	1.00	Officer	$0	$0	$0
Tommy Miles	Secretary	1.00	Officer	$0	$0	$0
Tom Moore	Treasurer	1.00	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	$832,517	$735,378	$1,410,592	$97,139
2024	$719,529	$740,820	$1,311,627	$-21,291
2023	$776,010	$740,275	$1,206,964	$35,735
2022	$717,329	$677,718	$942,126	$39,611
2021	$807,443	$678,376	$1,007,701	$129,067
2020	$736,822	$642,857	$805,846	$93,965
2019	$760,669	$666,357	$657,889	$94,312
2018	$703,382	$683,383	$563,336	$19,999

Better Business Bureau Inc