Better Business Bureau Consumer Education Fund Inc
Nonprofit profile at a glance
- EIN
- 610973984
- IRS 990 coverage
- 2021–2025
- Forms available
- Form 990 2025, Form 990-EZ 2020
- Location
- Louisville, KY, USA
- Phone
- 5025831492
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Standard
Reported finances
- Revenue
- $187,416
- Expenses
- $138,703
- Assets
- $1,536,755
- Liabilities
- $6,338
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- REANNA SMITH-HAMBLIN (PRESIDENT/CEO)
People named in this filing
- KELLEY TROUTMAN (DIRECTOR)
- SEAN RAMEY (DIRECTOR)
- SAMUEL CILONE JR (DIRECTOR)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Provide consumer education and forge a bridge of trust between businesses, charities, and consumers
What it reported doing in 2025
Better business bureau newsletter and pamphlets - to inform consumers about various types of businesses and safe buying practices
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 91% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - The filed numbers largely add up and a large share of available resources goes toward mission work. Some filing-based governance responses are negative or unanswered and fundraising costs are high for each dollar raised.
Rating breakdown
- Financial Efficiency: 63
- Transparency & Controls: 93
- Accountability: 76
- Sustainability: 76
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 61.2%; rating input score 61
- Program expense ratio: 81.2%; rating input score 81
- Fundraising efficiency: $3.39 raised per $1 spent on fundraising; rating input score 15; 15th percentile among comparable filings
Transparency & Controls
- Consistency checks: 92.9%; rating input score 93; 26th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 3 of 7 controls in place; rating input score 43
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 26%; rating input score 77; 77th percentile among comparable filings
- Total-asset coverage ratio: 11.08; rating input score 90; 90th percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 45; 45th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 67; 67th percentile among comparable filings
Growth
- Program expense growth: 22.2% per year; rating input score 100; 85th percentile among comparable filings
- Revenue growth: 9.6% per year; rating input score 100; 68th percentile among comparable filings
- Asset growth: 15.6% per year; rating input score 100; 76th percentile among comparable filings
Details
- Where the money goes: 61.2% of revenue deployed · 81.2% of spending went to programs
- Governance: 23 of 23 board members independent · 3 of 7 filing controls reported
- Programs: 1 filed program accomplishment · $113K in reported program spending
- Leadership: top reported pay $0 · 24 people listed
- Consistency: 20 of 21 current checks pass · 1 finding to review
- Schedules: 6 filed schedules
- Filing history: 5 filing years from 2021 to 2025
- Contacts: How to reach this organization
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Accountability: Governance controls: 4 of 7 not reported.
- High — Financial Efficiency: Fundraising efficiency scored 15/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Moderate — Sustainability: Liabilities to assets ratio scored 45/100.