BBB NATIONAL PROGRAMS INC (EIN 833302514) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2018

Legal Domicile

Principal Officer

VICTORIA MCCORMICK

Phone

7032479361

Tax Period

2024-01-01 to 2024-12-31

BBB NATIONAL PROGRAMS INC, founded in 2018, is a mid-sized nonprofit that reported $14.7M in total revenue in fiscal year 2019. The organization ran a surplus of $5.8M, a strong 40% operating margin.

Mission

DEVELOPMENT AND DELIVERY OF EFFECTIVE, THIRD-PARTY SELF-REGULATION AND DISPUTE RESOLUTION.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $3,964,286

Program Service Revenue $16,538,144

Investment Income $1,563,324

Other Revenue $90,529

TOTAL REVENUE $22,156,283

Expense Breakdown

Grants Paid $250,000

Salaries & Benefits $14,107,293

Fundraising Expenses $0

Other Expenses $7,319,576

TOTAL EXPENSES $21,676,869

Year-over-Year Comparison

	2024	2023	Change
Revenue	$22,156,283	$26,930,430	-0.2%
Expenses	$21,676,869	$19,710,329	+0.1%
Net Income	$479,414	$7,220,101	-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

103

Volunteers

116

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

$1,284,973

Total Directors

$1,284,973

Key Employees

$395,219

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC D REICIN	PRES & CEO, EX-OFFICIO	53.00	Officer Director	$795,526	$57,677	$853,203
VICTORIA MCCORMICK	CFO/COO/SECRETARY/TREASURER(NONVOTING)	53.00	Officer Director	$372,504	$59,266	$431,770
W DAVID HUBBARD	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JOCELYN HUNTER	BOARD VICE-CHAIR	1.00	Officer Director	$0	$0	$0
ELIZABETH ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID COHEN	DIRECTOR	1.00	Director	$0	$0	$0
LUIS-XAVIER HERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
CAMILLE JOHNSTON	DIRECTOR	1.00	Director	$0	$0	$0
MARLA KAPLOWITZ	DIRECTOR	1.00	Director	$0	$0	$0
JOEL KATZ	DIRECTOR	1.00	Director	$0	$0	$0
BOB LIODICE	DIRECTOR	1.00	Director	$0	$0	$0
SANDI MASINO	DIRECTOR	1.00	Director	$0	$0	$0
CARLA R MICHELOTTI	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN K OHLHAUSEN	DIRECTOR	1.00	Director	$0	$0	$0
BRENT SANDERS	DIRECTOR	1.00	Director	$0	$0	$0
MARY SOPHOS	DIRECTOR	1.00	Director	$0	$0	$0
JOE STEGBAUER	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE M TOTONIS	DIRECTOR	1.00	Director	$0	$0	$0
KIP MORSE	DIRECTOR (EX OFFICIO, NON VOTING)	1.00	Director	$0	$0	$0
MARY ENGLE	EVP, POLICY	35.00	Key Emp	$375,488	$19,731	$395,219
DONA FRASER	SR. VP, PRIVACY INITIATIVE	35.00	Highest	$271,742	$29,998	$301,740
LAURA BRETT	VP, NAD	35.00	Highest	$268,196	$51,280	$319,476
JUSTIN CONNOR	EXEC. DIRECTOR, CISR (TO 10/28/24)	35.00	Highest	$0	$49,862	$304,008
JIM BOYLE	CHIEF MKTG. & COMMUNICATION OFFICER	35.00	Highest	$265,103	$45,115	$310,218
AMY CLARK	CHIEF HUMAN RESOURCES OFFICER	35.00	Highest	$236,613	$40,661	$277,274

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	$22,156,283	$21,676,869	$31,738,866	$479,414
2023	$26,930,430	$19,710,329	$31,567,470	$7,220,101
2022	$18,433,642	$17,232,478	$19,880,248	$1,201,164
2021	$17,177,943	$17,094,321	$15,447,610	$83,622
2020	$17,919,845	$15,112,760	$13,211,766	$2,807,085
2019	$14,668,330	$8,830,240	$8,590,956	$5,838,090

BBB NATIONAL PROGRAMS INC