Civic Intelligence

Better Business Bureau Inc

990 • Fiscal year 2024 • EIN 06-1002092

Jan 01, 2024 to Dec 31, 2024 • Filed on Aug 20, 2025

Organization ProfileWWW.BBB.ORG/US/CT

View Organization Page

29 Berlin RoadCromwell, CT 06416

(860) 740-4500

Siviq Scores

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

Liabilities / Assets

77th percentile

0.45x

Higher debt load relative to assets than 77% of similar nonprofits.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

0.62x

Higher debt load relative to revenue than 78% of similar nonprofits.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2024

Net Margin

53rd percentile

5.6%

Higher net margin than 53% of similar nonprofits.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

62nd percentile

$328,478

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Source year 2024

Asset Growth

51st percentile

5.8%

Faster asset growth than 51% of similar nonprofits.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

4.8%

Faster revenue growth than 42% of similar nonprofits.

2024 filings • 501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$5,358,596

Up $292,741 (+5.8%) from 2023

Net Assets

Up

$2,951,607

Up $265,960 (+9.9%) from 2023

Liabilities

Up

$2,406,989

Up $26,781 (+1.1%) from 2023

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin53rd percentile

Revenue

Up

$3,904,188

Up $180,147 (+4.8%) from 2023

Expenses

Up

$3,683,721

Up $121,967 (+3.4%) from 2023

Net Income

Up

$220,467

Up $58,180 (+36%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2024

Assets$5,358,596
Liabilities$2,406,989
Net Assets$2,951,607
Open 2024 Filing

Operations Trend

Revenue Growth42nd 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

2024

Revenue$3,904,188
Expenses$3,683,721
Net Income$220,467
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 20, 2025
Return Version
2024v5.2
Gross Receipts
$4,169,037
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 promote an environment of trustworthy businesses that uphold ethical business practices to enhance consumer protection. Business accreditation at the connecticut better business bureau exceeds 5,000. The bbb publishes articles and tips for both accredited businesses (abs) and consumers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,886,498$1,930,885▲ $44,387
Land, Buildings, and Equipment, Net$1,062,430$1,182,948▲ $120,518
Accounts Receivable$907,423$945,233▲ $37,810
Investments Other Securities$682,288$695,300▲ $13,012
Investments in Publicly Traded Securities$482,085$526,352▲ $44,267
Savings and Temporary Cash Investments$27,664$53,200▲ $25,536
Prepaid Expenses and Deferred Charges$17,467$24,678▲ $7,211
Total Assets$5,065,855$5,358,596▲ $292,741
Liabilities
Deferred Revenue$1,562,355$1,580,531▲ $18,176
Mortgage Notes Payable Secured by Investment Property$464,315$424,489▼ $39,826
Other Liabilities$279,735$292,835▲ $13,100
Accounts Payable and Accrued Expenses$73,803$109,134▲ $35,331
Total Liabilities$2,380,208$2,406,989▲ $26,781
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,685,647$2,951,607▲ $265,960
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$2,685,647$2,951,607▲ $265,960
Total Liabilities and Net Assets / Fund Balance$5,065,855$5,358,596▲ $292,741

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$891,405$346,683$1,238,088
Land$274,500-$274,500
Equipment$17,043$90,742$107,785
Other Land Buildings$0$68,415$68,415
Other Securities$695,300--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paulette ScarpettiPresidentFT$258,173$70,305$328,478
Jeanne M MeccaVice-presidentFT$142,241$34,125$176,366
William F CaputoSalesFT$118,556$20,821$139,377
Jaclyn J MacknightVice-presidentFT$107,807$24,341$132,148
Joseph a SchwartzDirector Business DevelopmFT$123,734$4,011$127,745
Susan DudleyExec Accountant and DirectFT$104,695$4,428$109,123

Board Members and Trustees

NameTitle
Chris WalkerChairman
David SippinChairman-elect
KEVIN O'ROURKEImmediate Past Chairman
Carla DuboisPast Chairman
David ConnerPast Chairman
Stuart R PhilipsPast Chairman
Michael DebiaseVice President
NICK D'AMBROSIAVice-president
Aj StewartDirector
Amanda AndersonDirector
Antonio PerezDirector
Ashley MembrinoDirector
Barbara CurtoDirector
Bradley ChaffeeDirector
Brendan P LynchDirector
Catherine Y DavisDirector
Dan DasilvaDirector
Deborah OriDirector
Dominic DubaldoDirector
Jamie FiderioDirector
John HoneDirector
John SavilleDirector
Keith SantoraDirector
Marianne CroceDirector
Scott TrantoloDirector
Sonia AlveloDirector
Jason GarbusEc at Large
Lynn CokerEc at Large
Myles MeehanEc At-large
Dominic Scarano JrTreasurer/secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,779,717
Investment Income
$123,326
Other Revenue
$1,145
Change in Net Assets
$220,467

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,904,188
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$38,897
Total Revenue per Audited Statements
$3,943,085
Total Revenue per Form 990
$3,904,188
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,283,870
Other Expenses$1,399,851
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,443,870$137,328-$1,581,198
Current Officers, Directors, Trustees, and Key Employees$289,470$203,868-$493,338
All Other Expenses$146,916$21,071-$167,987
Payroll Taxes$125,481$25,901-$151,382
Insurance$124,037$26,486-$150,523
Office Expenses$115,623$23,879-$139,502
Other Expenses$136,820--$136,820
Payments to Affiliates$10,800$116,476-$127,276
Occupancy$76,486$40,221-$116,707
Pension Plan Contributions$48,038$9,914-$57,952
Depreciation Depletion$27,789$14,964-$42,753
Information Technology$16,434$1,826-$18,260
Conferences and Meetings$13,133$4,378-$17,511
Fees for Services Accounting$8,000$3,000-$11,000
Fees for Services Other-$3,750-$3,750
Travel$1,228--$1,228
Total Functional Expenses$3,050,659$633,062$0$3,683,721

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$3,683,721
Expenses per Audited Statements$3,677,125
Total Expenses per Audited Statements$3,677,125
Expenses Not Reported on Financial Statements$6,596
Other Expense Adjustments$6,596
Expenses Not Reported on Form 990$0
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
In-house lobbying only
No
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Compensated Absences$292,835
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“The president is a parent of the vice president of marketing, commnications, community relations and bbb foundation.”

Form 990, Part VI, Section B, Line 11B

“Emailed to all officers to review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“The organization regularly and consistently monitors and enforces compliance with its conflict of interest policy on an annual basis. Each year the organization has staff and board members review and sign the agreement, which is then reviewed.”

Form 990, Part VI, Section B, Line 15

“The president/ceo is reviewed annually by board compensation committee. At the meeting, 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. The president/ceo has discretion with regards to other employee compensation. Annually, there is an overall staff increase, if deemed appropriate, once the overall budget is approved. Board approval is required for any increases in excess of the approved budget.”

Form 990, Part VI, Section C, Line 19

“Documents will be provided upon request.”

Filing and Contact Details

Filer

Filer Name
Better Business Bureau Inc
EIN
06-1002092
Phone
8607404500
Address
29 BERLIN ROAD, CROMWELL, CT 06416

Signing Officer

Name
Jaclyn J Macknight
Title
President
Phone
8607414500
Signed
2025-08-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jaclyn J Macknight
Formed
1954
Legal Domicile
Ct
Voting Board Members
31
Independent Board Members
31
Employees
35
Volunteers
0

Preparer

Firm
Bailey Moore Glazer Schaefer Proto Llp
Address
16 LUNAR DRIVE, WOODBRIDGE, CT 06525-2232
Preparer
Vincent J Derobertis CPA
Phone
2033977700
Supplemental Narrative

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Investment fees not netted against revenues”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“INVESTMENT EXPENSES”

Raw XML AppendixShowing 400 of 704 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/TitleTxt1IMMEDIATE PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7EC AT-LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22EC AT LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt23EC AT LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt29PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt30PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt31VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt32SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt33VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt34DIRECTOR BUSINESS DEVELOPM
IRS990/Form990PartVIISectionAGrp/TitleTxt35EXEC ACCOUNTANT AND DIRECT
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Document Assets

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Filings

Displayed year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,358,596
Liabilities
$2,406,989
Net assets
$2,951,607
Revenue
$3,904,188
Expenses
$3,683,721
Net income
$220,467
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2024 filings • 501(c)6 • $5M-$10M nonprofits