Civic Intelligence

Better Business Bureau Inc

990 • Fiscal year 2015 • EIN 06-1002092

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization ProfileN/A

View Organization Page

29 Berlin RoadCromwell, CT 06416

(860) 741-4500

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.38x

Higher debt load relative to assets than 72% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

74th percentile

0.41x

Higher debt load relative to revenue than 74% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Net Margin

66th percentile

7.5%

Higher net margin than 66% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

76th percentile

$217,112

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Asset Growth

62nd percentile

6.0%

Faster asset growth than 62% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

57th percentile

5.5%

Faster revenue growth than 57% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$2,794,084

Up $157,597 (+6.0%) from 2014

Net Assets

Up

$1,718,466

Up $198,688 (+13%) from 2014

Liabilities

Down

$1,075,618

Down $41,091 (-3.7%) from 2014

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin66th percentile

Revenue

Up

$2,641,398

Up $138,702 (+5.5%) from 2014

Expenses

Up

$2,442,710

Up $44,626 (+1.9%) from 2014

Net Income

Up

$198,688

Up $94,076 (+90%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2011: $1,250,438Liabilities 2011: $355,685Net Assets 2011: $894,7532011Assets 2012: $1,505,341Liabilities 2012: $346,992Net Assets 2012: $1,158,3492012Assets 2013: $1,807,895Liabilities 2013: $392,729Net Assets 2013: $1,415,1662013Assets 2014: $2,636,487Liabilities 2014: $1,116,709Net Assets 2014: $1,519,7782014Assets 2015: $2,794,084Liabilities 2015: $1,075,618Net Assets 2015: $1,718,4662015Assets 2016: $2,724,947Liabilities 2016: $1,117,486Net Assets 2016: $1,607,4612016Assets 2017: $2,707,201Liabilities 2017: $2,436,734Net Assets 2017: $270,4672017Assets 2018: $3,225,209Liabilities 2018: $2,501,347Net Assets 2018: $723,8622018Assets 2019: $3,486,195Liabilities 2019: $2,476,846Net Assets 2019: $1,009,3492019Assets 2020: $4,015,883Liabilities 2020: $2,461,263Net Assets 2020: $1,554,6202020Assets 2021: $4,604,199Liabilities 2021: $2,322,566Net Assets 2021: $2,281,6332021Assets 2022: $4,796,553Liabilities 2022: $2,360,538Net Assets 2022: $2,436,0152022Assets 2023: $5,065,855Liabilities 2023: $2,380,208Net Assets 2023: $2,685,6472023Assets 2024: $5,358,596Liabilities 2024: $2,406,989Net Assets 2024: $2,951,6072024

Highlighted filing

2015

Assets$2,794,084
Liabilities$1,075,618
Net Assets$1,718,466
Open 2015 Filing

Operations Trend

Revenue Growth57th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$2.0M$0-$2.0MRevenue 2011: $2,106,205Expenses 2011: $1,861,965Net Income 2011: $244,2402011Revenue 2012: $2,289,822Expenses 2012: $2,026,226Net Income 2012: $263,5962012Revenue 2013: $2,472,227Expenses 2013: $2,215,410Net Income 2013: $256,8172013Revenue 2014: $2,502,696Expenses 2014: $2,398,084Net Income 2014: $104,6122014Revenue 2015: $2,641,398Expenses 2015: $2,442,710Net Income 2015: $198,6882015Revenue 2016: $2,627,681Expenses 2016: $2,738,686Net Income 2016: -$111,0052016Revenue 2017: $1,624,045Expenses 2017: $2,961,039Net Income 2017: -$1,336,9942017Revenue 2018: $3,488,544Expenses 2018: $3,035,145Net Income 2018: $453,3992018Revenue 2019: $3,497,791Expenses 2019: $3,212,304Net Income 2019: $285,4872019Revenue 2020: $3,427,785Expenses 2020: $2,892,514Net Income 2020: $535,2712020Revenue 2021: $3,629,219Expenses 2021: $3,031,293Net Income 2021: $597,9262021Revenue 2022: $3,649,516Expenses 2022: $3,412,320Net Income 2022: $237,1962022Revenue 2023: $3,724,041Expenses 2023: $3,561,754Net Income 2023: $162,2872023Revenue 2024: $3,904,188Expenses 2024: $3,683,721Net Income 2024: $220,4672024

Highlighted filing

2015

Revenue$2,641,398
Expenses$2,442,710
Net Income$198,688
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$2,641,398
Mission and Program Overview

Mission

To promote the environment of business conditions and practices and to promote consumer protection. Membership at the better business bureau was 5419 members for the 2018 year. The bureau publishes a newletter with consumer tips and member spotlights. Consumers can check members business history to see its rating to determine if they want to do business with them.

Bbb's mission is to be the leader in creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging & supporting best practices.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,399,780$1,406,446▲ $6,666
Cash and Non-Interest-Bearing Accounts$335,651$1,282,071▲ $946,420
Investments in Publicly Traded Securities$524,246$0▼ $524,246
Savings and Temporary Cash Investments$268,067$0▼ $268,067
Accounts Receivable$102,886$99,095▼ $3,791
Prepaid Expenses and Deferred Charges$5,857$6,472▲ $615
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$2,636,487$2,794,084▲ $157,597
Other Assets Total$0$0→ $0
Liabilities
Mortgage Notes Payable Secured by Investment Property$728,153$704,379▼ $23,774
Other Liabilities$179,353$193,354▲ $14,001
Deferred Revenue$166,963$138,410▼ $28,553
Accounts Payable and Accrued Expenses$42,240$39,475▼ $2,765
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,116,709$1,075,618▼ $41,091
Net Assets / Fund Balance
Unrestricted Net Assets$1,518,657$1,717,782▲ $199,125
Temporarily Rstr Net Assets$1,121$684▼ $437
Permanently Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$1,519,778$1,718,466▲ $198,688
Total Liabilities and Net Assets / Fund Balance$2,636,487$2,794,084▲ $157,597

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$130,521$119,879$250,400
Other Land Buildings$128,615$18,143$146,758
Leasehold Improvements$14,330$772$15,102
Buildings$858,480$27,693-
Land$274,500--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleBaseOtherTotal
Paulette ScarpettiPresident$185,598$31,514$217,112
Jeannie MeccaVice-pres$123,695-$123,695

Board Members and Trustees

NameTitle
Drew CrandallChairman
Neil CorcoranChairman Elect
William WadeImmediate Past Chair
Jeremy LoboVice President
Stuart PhillipsVice President
Basil Devito JrDirector
Bernard KavalerDirector
Carl DicoccoDirector
David ConnerDirector
Fred ScandaleDirector
Julie ClementDirector
KEVIN O'ROURKEDirector
Mary Lou StoneburnerDirector
Michael VigentDirector
Thomas WilliamsDirector
Tom SamphDirector
Tom Wholley SrDirector
Steve StockmanDirctor
David SippenEc at Large
Chris WalkerEc At-large
Roy FriedmanEc At-large
Dominic Scarano JrTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$2,249,099
Program Service Revenue
$390,731
Investment Income
$1,568
Other Revenue
$0
All Other Contributions
$457
Change in Net Assets
$198,688
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,581,465
Other Expenses$861,245
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,018,198$131,217-$1,149,415
All Other Expenses$177,299$55,024-$232,323
Current Officers, Directors, Trustees, and Key Employees$130,267$86,845-$217,112
Payroll Taxes$102,482$13,212-$115,694
Occupancy$52,897$52,897-$105,794
Other Employee Benefits$76,655$9,883-$86,538
Depreciation Depletion$42,028$25,696-$67,724
Information Technology$61,001--$61,001
Office Expenses-$45,400-$45,400
Interest-$30,911-$30,911
Pension Plan Contributions-$12,706-$12,706
Fees for Services Accounting-$9,741-$9,741
Conferences and Meetings$9,146--$9,146
Fees for Services Legal-$8,478-$8,478
Insurance-$8,238-$8,238
Other Expenses$4,500$36,125-$4,500
Travel$3,450--$3,450
Total Functional Expenses$1,916,337$526,373$0$2,442,710
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Compensated Absences$193,354
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Better Business Bureau Inc
EIN
06-1002092
In Care Of
% SUSAN DUDLEY
Phone
8607414500
Address
29 BERLIN ROAD, CROMWELL, CT 06416

Signing Officer

Name
Paulette Scarpetti
Title
President
Phone
8607404500
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paulette Scarpetti
Formed
1954
Legal Domicile
Ct
Voting Board Members
25
Independent Board Members
25
Employees
34
Volunteers
0

Preparer

Firm
Federico & Sette PC
Address
2690 Whitney Avenue, Hamden, CT 06518
Preparer
Lynn V Sette CPA
Phone
2032489966
Supplemental Narrative

Additional Explanations

Gove

“Line 11--form 990 emailed to all members of governing body to review prior to filing. Line 15--the ceo is reviewed yearly by board. At the meeting the ceo's goals and objectives are discussed, yearly salary is set based on accomplishments of prior years goals as well as a review of comparable salaries for position. Line 19--documents will be provided upon request.”

Program

“Special events such as the golf tournament and annual dinner foster business relations in the community and recognize business and consumer achievements. Revenue $63,932 expenses $44,669”

Raw XML AppendixShowing 400 of 555 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0IMMEDIATE PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRMAN ELECT
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5EC AT LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13EC AT-LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15EC AT-LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRCTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23VICE-PRES
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IRS990/MissionDesc0TO PROMOTE THE ENVIRONMENT OF BUSINESS CONDITIONS AND PRACTICES AND TO PROMOTE CONSUMER PROTECTION. MEMBERSHIP AT THE BETTER BUSINESS BUREAU WAS 5344 MEMBERS FOR THE 2015 YEAR. THE BUREAU PUBLISHES A NEWLETTER WITH CONSUMER TIPS AND MEMBER SPOTLIGHTS. CONSUMERS CAN CHECK MEMBERS BUSINESS HISTORY TO SEE ITS RATING TO DETERMINE IF THEY WANT TO DO BUSINESS WITH THEM.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0704379
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IRS990/NetAssetsOrFundBalancesEOYAmt01718466
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt0105794
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IRS990/OfficeExpensesGrp/TotalAmt045400
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt09883
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt076655
IRS990/OtherEmployeeBenefitsGrp/TotalAmt086538
IRS990/OtherExpensesGrp/Desc0BANK PROCESSING FEES
IRS990/OtherExpensesGrp/Desc1MARKETING & ADVERTISING CMPGN
IRS990/OtherExpensesGrp/Desc2COUNCIL DUES
IRS990/OtherExpensesGrp/Desc3SCHOLARSHIPS
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IRS990/OtherExpensesGrp/ProgramServicesAmt0101470
IRS990/OtherExpensesGrp/ProgramServicesAmt1136944
IRS990/OtherExpensesGrp/ProgramServicesAmt24500
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IRS990/OtherExpensesGrp/TotalAmt1101470
IRS990/OtherExpensesGrp/TotalAmt2136944
IRS990/OtherExpensesGrp/TotalAmt34500
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IRS990/PayrollTaxesGrp/ProgramServicesAmt0102482
IRS990/PayrollTaxesGrp/TotalAmt0115694
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt012706
IRS990/PensionPlanContributionsGrp/TotalAmt012706
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IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05857
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06472
IRS990/PrincipalOfficerNm0PAULETTE SCARPETTI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0561499
IRS990/ProgramServiceRevenueGrp/BusinessCd1561499
IRS990/ProgramServiceRevenueGrp/Desc0ARBITRATION PROGRAM
IRS990/ProgramServiceRevenueGrp/Desc1ANNUAL MEETING
IRS990/ProgramServiceRevenueGrp/Desc2SEARCH ENGINE SOLUTIONS & WEB SPONSORSHIPS
IRS990/ProgramServiceRevenueGrp/Desc3GOLF TOURNAMENT & SCHOLARSHIP
IRS990/ProgramServiceRevenueGrp/Desc4MY COMPLAINTS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt035408
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1317175
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt231313
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt135408
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2317175
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt331313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt44200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02635
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14200
IRS990/ProgSrvcAccomActy2Grp/Desc0BETTER BUSINESS BUREAU HELPS CONSUMERS MAKE SMART DECISIONS AND IS EVOLVING TO MEET FAST-CHANGING MARKETPLACE NEEDS BOTH ONLINE AND OFFLINE. BBB HELPS CONSUMERS FIND BUSINESSES, BRANDS, AND CHARITIES THEY CAN TRUST, OFFER OBJECTIVE ADVISE AND EDUCATION PRESENTATIONS ON TOPICS AFFECTING MARKETPLACE TRUST. BBB ALSO OFFERS COMPLAINT AND DISPUTE RESOLUTION SUPPORT FOR CONSUMERS AND BUSINESSES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0143166
IRS990/ProgSrvcAccomActy3Grp/Desc0SEARCH ENGINE SOLUTIONS (SES) IS A PROGRAM USED BY BBB TO HELP CONSUMERS FIND BBB ACCREDITED BUSINESSES (AB'S) THAT MEET BBB STANDARDS WHEN THEY DO A GOOGLE SEARCH. BBB USES A SERIES OF KEYWORDS THAT CAUSE THE BBB NAME TO APPEAR IN KEY SPOTS ON A GOOGLE SEARCH HELPING CONSUMERS TO "START WITH TRUST" IN THEIR SEARCH.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt064460
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0299088
IRS990/ProgSrvcAccomActyOtherGrp/Desc0SPECIAL EVENTS
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IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt062658
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IRS990/PYContributionsGrantsAmt02115285
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IRS990/PYOtherExpensesAmt0853962
IRS990/PYOtherRevenueAmt00

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,794,084
Liabilities
$1,075,618
Net assets
$1,718,466
Revenue
$2,641,398
Expenses
$2,442,710
Net income
$198,688
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.36$2.41$2.95$3.90$3.68$0.22
2023Detailed filing. Detailed filing data is available for this year.$5.07$2.38$2.69$3.72$3.56$0.16
2022Detailed filing. Detailed filing data is available for this year.$4.80$2.36$2.44$3.65$3.41$0.24
2021Detailed filing. Detailed filing data is available for this year.$4.60$2.32$2.28$3.63$3.03$0.60
2020Detailed filing. Detailed filing data is available for this year.$4.02$2.46$1.55$3.43$2.89$0.54
2019Detailed filing. Detailed filing data is available for this year.$3.49$2.48$1.01$3.50$3.21$0.29
2018Detailed filing. Detailed filing data is available for this year.$3.23$2.50$0.72$3.49$3.04$0.45
2017Detailed filing. Detailed filing data is available for this year.$2.71$2.44$0.27$1.62$2.96$1.34
2016Detailed filing. Detailed filing data is available for this year.$2.72$1.12$1.61$2.63$2.74$0.11
2015Detailed filing. Detailed filing data is available for this year.$2.79$1.08$1.72$2.64$2.44$0.20
2014Detailed filing. Detailed filing data is available for this year.$2.64$1.12$1.52$2.50$2.40$0.10
2013Summary only. Only limited summary data is available for this year.$1.81$0.39$1.42$2.47$2.22$0.26
2012Summary only. Only limited summary data is available for this year.$1.51$0.35$1.16$2.29$2.03$0.26
2011Summary only. Only limited summary data is available for this year.$1.25$0.36$0.89$2.11$1.86$0.24