THE BETTER BUSINESS BUREAU OF NORT… - Form 990 Financial Data

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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

CHRISTINE MATHIS

Phone

8504290026

Tax Period

2023-01-01 to 2023-12-31

THE BETTER BUSINESS BUREAU OF NORTHWEST FLORIDA INC, founded in 1985, is a small nonprofit that reported $783K in total revenue in fiscal year 2023.

Mission

OUR MISSION IS TO BE THE LEADER IN ADVANCING MARKETPLACE TRUST. BBB ACCOMPLISHES THIS MISSION BY 1)CREATING A COMMUNITY OF TRUSTWORTHY BUSINESSES, 2)SETTING STANDARDS FOR MARKETPLACE TRUST, 3)ENCOURAGING AND SUPPORTING BEST PRACTICES, 4)CELEBRATING MARKETPLACE ROLE MODELS AND 5)DENOUNCING SUBSTANDARD MARKETPLACE BEHAVIOR.

Program Service Accomplishments

Program 1

Expenses: $477,142

TO PROMOTE ETHICAL BUSINESS STANDARDS AND ACT AS MEDIATOR IN DISPUTES AND ADVOCATE FREE ENTERPRISE THROUGH PROMOTING RESPONSIBILITY, INTEGRITY AND TRUTHFUL ADVERTISING IN BUSINESS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $775,127

Program Service Revenue $0

Investment Income $7,642

Other Revenue $0

TOTAL REVENUE $782,769

Expense Breakdown

Grants Paid $0

Salaries & Benefits $527,979

Fundraising Expenses $0

Program Expenses $477,142

Other Expenses $258,919

TOTAL EXPENSES $786,898

Year-over-Year Comparison

	2023	2022	Change
Revenue	$782,769	$759,159	+0.0%
Expenses	$786,898	$800,279	0.0%
Net Income	$-4,129	$-41,120	-0.9%

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

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

$113,926

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE MATHIS	CEO	40.00	Officer	$113,926	$0	$113,926
MALCOLM BALLENGER	VICE CHAIR	0.50	Director	$0	$0	$0
WILL CLAUSE	TREASURER	0.50	Officer Director	$0	$0	$0
BILL CLEARY	DIRECTOR	0.50	Director	$0	$0	$0
FRAN CRUMPTON	DIRECTOR	0.50	Director	$0	$0	$0
DAVE DEBLANDER	DIRECTOR	0.50	Director	$0	$0	$0
JAMES GRACE	DIRECTOR	0.50	Director	$0	$0	$0
DAN GULLAHORN	DIRECTOR	0.50	Director	$0	$0	$0
TRACY HERMAN	DIRECTOR	0.50	Director	$0	$0	$0
EDDIE HILL	CHAIR	0.50	Officer Director	$0	$0	$0
SCOTT HOBBS	DIRECTOR	0.50	Director	$0	$0	$0
TED KIRCHHARR	DIRECTOR	0.50	Director	$0	$0	$0
DAVE REED	SECRETARY	0.50	Officer Director	$0	$0	$0
SCOTT SCHROEDER	DIRECTOR	0.50	Director	$0	$0	$0
KERRY ANNE SCHULTZ	DIRECTOR	0.50	Director	$0	$0	$0
CHRISTINE SIX	PAST CHAIR	0.50	Officer 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	No data	No data	No data	No data
2023	$782,769	$786,898	$514,082	$-4,129
2022	$759,159	$800,279	$518,196	$-41,120
2021	$754,633	$739,447	$559,316	$15,186
2020	$688,296	$672,121	$544,130	$16,175
2019	$705,959	$699,088	$527,955	$6,871
2018	$683,643	$626,877	$521,084	$56,766

THE BETTER BUSINESS BUREAU OF NORTHWEST FLORIDA INC