Better Business Bureau Inc
Nonprofit profile at a glance
- EIN
- 610417092
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Louisville, KY, USA
- Phone
- 5025831492
- Rating
- 80
- Verdict
- STRONG
- Rating confidence
- Standard
Reported finances
- Revenue
- $2,731,001
- Expenses
- $2,628,878
- Assets
- $2,558,968
- Liabilities
- $128
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)
Highest reported compensation
- REANNA SMITH-HAMBLIN (PRESIDENT/CEO): $187,251 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The organization's purpose is to promote and assist in maintaining truth, honesty and accuracy in advertising, selling and service practices and to help increase justified public confidence in the printed and spoken word of business. The organization also seeks to advocate and assist in maintaining fair competition among businesses and to promote integrity in the marketplace' in the spirit of self-regulation of private business in a free enterprise society and to inform and educate the public as to the difference between honest and legitimate advertising, selling and soliciting practices, and those which are misleading, dishonest and improper and to protect the public from being misled by persons using unfair advertising, selling or soliciting practices by all proper means, including rendering reports on request with respect to individual businesses and non-profit organizations.
What it reported doing in 2025
The better business bureau, inc. Was established to promote integrity and create confidence in advertising, selling and other phases of business.
Operating model
- Revenue model
- Earned-program. 87% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% 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
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 77
- Transparency & Controls: 76
- Accountability: 95
- Sustainability: 44
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 84.9%; rating input score 85
- Program expense ratio: 90%; rating input score 90
- Fundraising efficiency: $0 raised per $1 spent on fundraising; rating input score 0; 0th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- 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; 63rd percentile among comparable filings
- Governance controls: 7 of 8 controls in place; rating input score 88
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- 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: 3.7%; rating input score 39; 39th percentile among comparable filings
- Total-asset coverage ratio: 0.97; rating input score 33; 33rd percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 91; 91st percentile among comparable filings
- Officer compensation ratio: 7.1%; rating input score 44; 44th percentile among comparable filings
Growth
- Program expense growth: 4.3% per year; rating input score 100; 32nd percentile among comparable filings
- Revenue growth: 2.6% per year; rating input score 100; 20th percentile among comparable filings
- Asset growth: 10.6% per year; rating input score 100; 60th percentile among comparable filings
Details
- Where the money goes: 84.9% of revenue deployed · 90% of spending went to programs
- Governance: 23 of 23 board members independent · 7 of 8 filing controls reported
- Programs: 1 filed program accomplishment · $2.4M in reported program spending
- Leadership: top reported pay $187K · 24 people listed · 2 of 6 pay-setting controls reported
- Consistency: 27 of 27 current checks pass
- Schedules: 5 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Fundraising efficiency scored 0/100.
- Moderate — Sustainability: Operating margin scored 39/100.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- Moderate — Sustainability: Total-asset coverage ratio scored 33/100.
- Moderate — Sustainability: Officer compensation ratio scored 44/100.