BBB CONSUMER EDUCATION FOUNDATION

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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

Principal Officer

DARREN ERWIN

Phone

4098355340

Tax Period

2024-01-01 to 2024-12-31

BBB CONSUMER EDUCATION FOUNDATION is a small nonprofit that reported $282K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $254K left a modest 10% surplus.

Mission

TO STRENGTHEN COMMUNITY TRUST THROUGH EDUCATION PROGRAMS THAT EMPOWER CONSUMERS, PROVIDE CHARACTER DEVELOPMENT FOR FUTURE LEADERS, AND HELP BUSINESSES BE BETTER. TO COOPERATE WITH BETTER BUSINESS BUREAU AND SUCH OTHER ORGANIZATIONS HAVING OBJECTIVES IN COMMON, AN TO DO GENERALLY SUCH OTHER THINGS AS MAY BE NECESSARY, REQUISITE, CONVENIENT OR PROPER TO CARRY OUT THE PURPOSES AND OBJECTIVES OF THE CORPORATION, AS ARE PERMITTED UNDER ARTICLE 2.01 OF THE TEXAS NON-PROFIT CORPORATION ACT.

Program Service Accomplishments

Program 1

Expenses: $24,412 Revenue: $45,773

BUSINESS SEMINARS INCREASED CONSUMER AWARENESS THROUGH VARIOUS EVENTS PROVIDING RESOURCES, INCLUDING DISTRIBUTION OF EDUCATIONAL MATERIAL: CONTINUED MONTHLY ACCREDITED BUSINESS NETWORKING EVENTS IN OUR REGION THROUGHOUT THE YEAR AND PRESENTED BBB SERVICES TO OVER 120 BUSINESS PROFESSIONALS.

Program 2

Expenses: $30,856 Revenue: $80,990

WOMENS CONFERENCE INCREASED CONSUMER AWARENESS THROUGH VARIOUS EVENTS PROVIDING RESOURCES, INCLUDING DISTRIBUTION OF EDUCATIONAL MATERIAL: FEATURING LOCAL WOMEN-OWNED BUSINESSES IN AN EXPO PORTION OF THE CONFERENCE, ALONG WITH LOCAL WOMEN BUSINESS LEADERS PROVIDING EDUCATION AND RESOURCES TO THE PARTICIPANTS.

Program 3

Expenses: $59,000

BBB TORCH AWARD IS A FUND-RAISING EVENT THAT RECOGNIZES BUSINESSES AND ORGANIZATIONS IN OUR REGION COMMITTED TO MAINTAINING EXCEPTIONALLY HIGH STANDARD OF ETHICAL BEHAVIOR IN BUYER/SELLER AND...

BBB TORCH AWARD IS A FUND-RAISING EVENT THAT RECOGNIZES BUSINESSES AND ORGANIZATIONS IN OUR REGION COMMITTED TO MAINTAINING EXCEPTIONALLY HIGH STANDARD OF ETHICAL BEHAVIOR IN BUYER/SELLER AND PROVIDER/SUPPORTER RELATIONSHIPS. NEARLY 400 BUSINESS PROFESSIONALS ATTENDED THE EVENT AND BBB AWARDED 15,000 TO 6 LOCAL HIGH SCHOOL STUDENTS THROUGH OUR BBB STUDENT OF INTEGRITY SCHOLARSHIP PROGRAM. STUDENTS WERE RECOGNIZED AT THE EVENT. IN ADDITION, BBB RECOGNIZED BUSINESS OWNERS 35 AND YOUNGER WHO DEMONSTRATE CULTURE, COMMUNITY AND CHARACTER AS SPARK AWARD WINNERS.

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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 $32,613

Program Service Revenue $167,103

Investment Income $3,093

Other Revenue $79,393

TOTAL REVENUE $282,202

Expense Breakdown

Grants Paid $59,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $159,087

Other Expenses $195,286

TOTAL EXPENSES $254,286

Year-over-Year Comparison

	2024	2023	Change
Revenue	$282,202	$259,421	+0.1%
Expenses	$254,286	$152,111	+0.7%
Net Income	$27,916	$107,310	-0.7%

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

Governance

Voting Members

Independent Members

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA GARDINER	TRUSTEE	N/A	Director	$0	$0	$0
NATASHA GARRETT	TRUSTEE	N/A	Director	$0	$0	$0
LESLIE HARRISON	TRUSTEE	N/A	Director	$0	$0	$0
ELTON HOLLIS	TRUSTEE	N/A	Director	$0	$0	$0
KATHRYN JAMES	SECRETARY	N/A	Officer Director	$0	$0	$0
ANN SCOGGIN	PAST CHAIR	N/A	Officer Director	$0	$0	$0
PAUL SKINNER	TRUSTEE	N/A	Director	$0	$0	$0
DAVE STEPHENS	CHAIR	N/A	Officer Director	$0	$0	$0
APRIL TOLBERT	VICE CHAIR	N/A	Officer Director	$0	$0	$0
ANTHONY TOUPS	TREASURER	N/A	Officer Director	$0	$0	$0
DARREN ERWIN	2023 PRESIDE	N/A	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	No data	No data	No data	No data
2024	$282,202	$254,286	$156,160	$27,916
2023	$259,421	$152,111	$129,744	$107,310