Civic Intelligence

Better Business Bureau of Minnesota Inc

EIN 41-1245489 • 501(c)6 • Burnsville, MN

View Organization Page

Profile

To ensure an ethical marketplace where buyers and sellers can trust each other to be the leader in advancing marketplace trust.

220 S River Ridge CirBurnsville, MN 55337

www.bbb.org/minnesota

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

62nd percentile

0.28x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

49th percentile

0.28x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

72nd percentile

$387,545

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Asset Growth

64th percentile

8.7%

Faster asset growth than 64% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

94th percentile

51%

Faster revenue growth than 94% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$7,310,082

Up $585,303 (+8.7%) from 2024

Liabilities

Down

$2,082,236

Down $1,372,036 (-40%) from 2024

Net Assets

Up

$5,227,846

Up $1,957,339 (+60%) from 2024

Operations
Liabilities / Revenue49th percentileNet Margin88th percentile

Revenue

Up

$7,331,658

Up $2,466,156 (+51%) from 2024

Expenses

Up

$5,600,732

Up $171,728 (+3.2%) from 2024

Net Income

Up

$1,730,926

Up $2,294,428 (+407%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $4,497,072Liabilities 2011: $333,498Net Assets 2011: $4,163,5742011Assets 2012: $4,813,887Liabilities 2012: $582,821Net Assets 2012: $4,231,0662012Assets 2013: $4,484,823Liabilities 2013: $330,666Net Assets 2013: $4,154,1572013Assets 2014: $4,786,245Liabilities 2014: $2,166,623Net Assets 2014: $2,619,6222014Assets 2015: $5,038,698Liabilities 2015: $2,259,413Net Assets 2015: $2,779,2852015Assets 2016: $4,905,352Liabilities 2016: $2,291,997Net Assets 2016: $2,613,3552016Assets 2017: $4,774,832Liabilities 2017: $2,200,299Net Assets 2017: $2,574,5332017Assets 2018: $5,004,603Liabilities 2018: $2,265,888Net Assets 2018: $2,738,7152018Assets 2019: $5,131,208Liabilities 2019: $2,136,597Net Assets 2019: $2,994,6112019Assets 2020: $5,196,143Liabilities 2020: $2,299,978Net Assets 2020: $2,896,1652020Assets 2021: $5,987,640Liabilities 2021: $2,798,847Net Assets 2021: $3,188,7932021Assets 2022: $5,220,297Liabilities 2022: $2,488,224Net Assets 2022: $2,732,0732022Assets 2023: $6,121,237Liabilities 2023: $2,901,305Net Assets 2023: $3,219,9322023Assets 2024: $6,724,779Liabilities 2024: $3,454,272Net Assets 2024: $3,270,5072024Assets 2025: $7,310,082Liabilities 2025: $2,082,236Net Assets 2025: $5,227,8462025

Highlighted filing

2025

Assets$7,310,082
Liabilities$2,082,236
Net Assets$5,227,846
Open 2025 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $3,438,5882011Revenue 2012: $3,737,447Expenses 2012: $3,669,955Net Income 2012: $67,4922012Revenue 2013: $3,537,853Expenses 2013: $3,614,762Net Income 2013: -$76,9092013Revenue 2014: $3,731,530Expenses 2014: $3,682,715Net Income 2014: $48,8152014Revenue 2015: $3,935,407Expenses 2015: $3,777,598Net Income 2015: $157,8092015Revenue 2016: $4,260,196Expenses 2016: $4,430,945Net Income 2016: -$170,7492016Revenue 2017: $4,700,102Expenses 2017: $4,731,813Net Income 2017: -$31,7112017Revenue 2018: $4,889,153Expenses 2018: $4,718,277Net Income 2018: $170,8762018Revenue 2019: $5,001,848Expenses 2019: $4,765,549Net Income 2019: $236,2992019Revenue 2020: $5,021,286Expenses 2020: $5,173,907Net Income 2020: -$152,6212020Revenue 2021: $4,923,080Expenses 2021: $4,879,222Net Income 2021: $43,8582021Revenue 2022: $4,952,353Expenses 2022: $5,098,193Net Income 2022: -$145,8402022Revenue 2023: $4,665,146Expenses 2023: $4,948,070Net Income 2023: -$282,9242023Revenue 2024: $4,865,502Expenses 2024: $5,429,004Net Income 2024: -$563,5022024Revenue 2025: $7,331,658Expenses 2025: $5,600,732Net Income 2025: $1,730,9262025

Highlighted filing

2025

Revenue$7,331,658
Expenses$5,600,732
Net Income$1,730,926
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,310,082
Liabilities
$2,082,236
Net assets
$5,227,846
Revenue
$7,331,658
Expenses
$5,600,732
Net income
$1,730,926
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.31$2.08$5.23$7.33$5.60$1.73
2024Detailed filing. Detailed filing data is available for this year.$6.72$3.45$3.27$4.87$5.43$0.56
2023Detailed filing. Detailed filing data is available for this year.$6.12$2.90$3.22$4.67$4.95$0.28
2022Detailed filing. Detailed filing data is available for this year.$5.22$2.49$2.73$4.95$5.10$0.15
2021Detailed filing. Detailed filing data is available for this year.$5.99$2.80$3.19$4.92$4.88$0.04
2020Detailed filing. Detailed filing data is available for this year.$5.20$2.30$2.90$5.02$5.17$0.15
2019Detailed filing. Detailed filing data is available for this year.$5.13$2.14$2.99$5.00$4.77$0.24
2018Detailed filing. Detailed filing data is available for this year.$5.00$2.27$2.74$4.89$4.72$0.17
2017Detailed filing. Detailed filing data is available for this year.$4.77$2.20$2.57$4.70$4.73$0.03
2016Detailed filing. Detailed filing data is available for this year.$4.91$2.29$2.61$4.26$4.43$0.17
2015Detailed filing. Detailed filing data is available for this year.$5.04$2.26$2.78$3.94$3.78$0.16
2014Detailed filing. Detailed filing data is available for this year.$4.79$2.17$2.62$3.73$3.68$0.05
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.48$0.33$4.15$3.54$3.61$0.08
2012Summary only. Only limited summary data is available for this year.$4.81$0.58$4.23$3.74$3.67$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.50$0.33$4.16$3.44
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Feb 23, 2026
Return Version
2024v5.5
Gross Receipts
$7,331,658
Mission and Program Overview

Mission

To ensure an ethical marketplace where buyers and sellers can trust each other to be the leader in advancing marketplace trust.

BBB's mission is to be the leader in advancing marketplace trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$2,476,117$2,470,712▼ $5,405
Investments in Publicly Traded Securities$2,484,014$2,360,915▼ $123,099
Savings and Temporary Cash Investments$303,803$473,156▲ $169,353
Cash and Non-Interest-Bearing Accounts$161,658$116,126▼ $45,532
Prepaid Expenses and Deferred Charges$79,446$86,559▲ $7,113
Accounts Receivable$11,761$14,397▲ $2,636
Total Assets$6,724,779$7,310,082▲ $585,303
Other Assets Total$1,207,980$1,788,217▲ $580,237
Liabilities
Deferred Revenue$1,549,441$1,467,421▼ $82,020
Accounts Payable and Accrued Expenses$1,897,512$346,141▼ $1,551,371
Other Liabilities$7,319$268,674▲ $261,355
Total Liabilities$3,454,272$2,082,236▼ $1,372,036
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,270,507$5,227,846▲ $1,957,339
Total Net Assets Fund Balance$3,270,507$5,227,846▲ $1,957,339
Total Liabilities and Net Assets / Fund Balance$6,724,779$7,310,082▲ $585,303

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,949,720$1,031,978$2,981,698
Land$433,843-$433,843
Other Land Buildings$19,781$360,084$379,865
Equipment$67,368$249,422$316,790
Other Assets Org$1,788,217--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan Adams LoydPresident & CEO (End 6/30/2025)FT$336,403$51,142$387,545
Chad PedersenVP of AB DevelopmentPT$181,366$14,783$196,149
Julie KiedrowskiVP of OperationsFT$158,183$17,209$175,392
Ryan SharpVP of Finance and AccountiFT$146,776$12,345$159,121
Janet FaheyVP of HR, Talent, and TraiFT$144,251$11,066$155,317
Bao VangVP of CommunicationsFT$117,028$22,830$139,858

Board Members and Trustees

NameTitle
John OwensChair
David AafedtPast Chair
Kari Niedfeldt-ThomasPresident & CEO (Begin 6/30/25)
Aaron JonesBoard Member
Bernie LaurBoard Member
Brent HansonBoard Member
Carlos MoralesBoard Member
Carlos RuizBoard Member
Chris SerritslevBoard Member
Dan LouismetBoard Member
Dietrich NissenBoard Member
Janie HansonBoard Member
Jeff BaidooBoard Member
Jeffrey Tate SrBoard Member
Julianna CopelandBoard Member
Kristen StammanBoard Member
Lana SlyghBoard Member
Lori MoenBoard Member
Louis BerezovskyBoard Member
Lucas KanavatiBoard Member
Michelle Kreidler DoveBoard Member
Monique LinderBoard Member
Nadia RizkBoard Member
Osni Ferreira FilhoBoard Member
Peter GaetzBoard Member
RC ColvinBoard Member
Rob CommersBoard Member
Scott HossBoard Member
Tamera K RobinsonBoard Member
Tammylynne JonasBoard Member
Ted TerpBoard Member
Traci LeffnerBoard Member
Andy KocembaSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,957,593
Investment Income
$2,374,065
Other Revenue
$0
Change in Net Assets
$1,730,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,871,092
Other Expenses$1,729,640
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,061,742
Current Officers, Directors, Trustees, and Key Employees---$1,328,565
Office Expenses---$293,759
Occupancy---$289,328
Information Technology---$266,634
Payroll Taxes---$207,207
Other Employee Benefits---$177,781
Advertising---$148,174
Depreciation Depletion---$131,671
Fees for Services Other---$108,677
Pension Plan Contributions---$95,797
Conferences and Meetings---$44,792
Fees for Services Accounting---$37,400
Insurance---$36,865
Fees for Services Legal---$16,498
Fees for Service Investment Mgmnt Fees---$14,488
Other Expenses---$1,496
Total Functional Expenses$0$0$0$5,600,732
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
Due to Related Party$258,429
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Companies that qualify may become members of the Better Business Bureau. Members pay annual dues.”

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

“The Finance Committee is provided with the 990 for review and approval prior to submission.”

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

“The conflict of interest disclosures are logged as received. One employee is responsible for making sure all conflict of interest disclosures are received.”

Form 990, Part VI, Section B, line 15

“The Board Executive Committee determines the compensation of the president with the assistance and advice of an outside consultant. Comparisons are made to other Bureaus and surveys of other non-profits.”

Form 990, Part VI, Section C, line 19

“The governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Better Business Bureau of Minnesota Inc
EIN
41-1245489
Phone
6516952477
Address
220 S River Ridge Cir, Burnsville, MN 55337

Signing Officer

Name
Kari Niedfeldt-Thomas
Title
President & CEO
Phone
6516952477
Signed
2026-02-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kari Niedfeldt-Thomas
Formed
1912
Legal Domicile
Mn
Voting Board Members
32
Independent Board Members
32
Employees
44
Volunteers
0

Preparer

Firm
Abdo LLP
Address
5201 Eden Ave Ste 250, Edina, MN 55436
Preparer
Brandy L Ritz CPA
Phone
9528359090
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The process has not changed from the prior year.”

Financial Statement Notes

Part X, Line 2:

“BBB and BBB Foundation are exempt from federal and state income taxes under Section 501(c)(6) and 501(c)(3), respectively, of the Internal Revenue Code and Minnesota Statute 290.05. BBB Foundation is a public charity; therefore, contributions may qualify for tax deductions by the contributors. BBB generates unrelated business income for management fees charged over costs incurred. As of June 30, 2025, the Organization's total federal and state tax liability was approximately $14,591. As of June 30, 2024, the Organization's total federal and state tax liability was approximately $105,272. BBB Forward is a Minnesota C-Corporation that is a wholly owned subsidiary of BBB, and files income tax returns in the U.S. federal jurisdiction and the states in which it operates. As of June 30, 2025, BBB Forward had prepaid its estimated income taxes for the year; therefore, no federal or state tax liability has been recorded. During the year ended June 30, 2025, BBB, BBB Foundation and BBB Forward, Inc. have not incurred any interest or penalties on their tax returns.”

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IRS990/Form990PartVIISectionAGrp/PersonNm0David Aafedt
IRS990/Form990PartVIISectionAGrp/PersonNm1John Owens
IRS990/Form990PartVIISectionAGrp/PersonNm2Andy Kocemba
IRS990/Form990PartVIISectionAGrp/PersonNm3Jeff Baidoo
IRS990/Form990PartVIISectionAGrp/PersonNm4Louis Berezovsky
IRS990/Form990PartVIISectionAGrp/PersonNm5RC Colvin
IRS990/Form990PartVIISectionAGrp/PersonNm6Rob Commers
IRS990/Form990PartVIISectionAGrp/PersonNm7Julianna Copeland
IRS990/Form990PartVIISectionAGrp/PersonNm8Michelle Kreidler Dove
IRS990/Form990PartVIISectionAGrp/PersonNm9Osni Ferreira Filho
IRS990/Form990PartVIISectionAGrp/PersonNm10Peter Gaetz
IRS990/Form990PartVIISectionAGrp/PersonNm11Brent Hanson
IRS990/Form990PartVIISectionAGrp/PersonNm12Janie Hanson
IRS990/Form990PartVIISectionAGrp/PersonNm13Scott Hoss
IRS990/Form990PartVIISectionAGrp/PersonNm14Tammylynne Jonas
IRS990/Form990PartVIISectionAGrp/PersonNm15Aaron Jones
IRS990/Form990PartVIISectionAGrp/PersonNm16Lucas Kanavati
IRS990/Form990PartVIISectionAGrp/PersonNm17Bernie Laur
IRS990/Form990PartVIISectionAGrp/PersonNm18Traci Leffner
IRS990/Form990PartVIISectionAGrp/PersonNm19Monique Linder
IRS990/Form990PartVIISectionAGrp/PersonNm20Dan Louismet
IRS990/Form990PartVIISectionAGrp/PersonNm21Lori Moen
IRS990/Form990PartVIISectionAGrp/PersonNm22Carlos Morales
IRS990/Form990PartVIISectionAGrp/PersonNm23Dietrich Nissen
IRS990/Form990PartVIISectionAGrp/PersonNm24Nadia Rizk
IRS990/Form990PartVIISectionAGrp/PersonNm25Tamera K Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm26Carlos Ruiz
IRS990/Form990PartVIISectionAGrp/PersonNm27Chris Serritslev
IRS990/Form990PartVIISectionAGrp/PersonNm28Jeffrey Tate Sr
IRS990/Form990PartVIISectionAGrp/PersonNm29Ted Terp
IRS990/Form990PartVIISectionAGrp/PersonNm30Lana Slygh
IRS990/Form990PartVIISectionAGrp/PersonNm31Kristen Stamman
IRS990/Form990PartVIISectionAGrp/PersonNm32Susan Adams Loyd
IRS990/Form990PartVIISectionAGrp/PersonNm33Julie Kiedrowski
IRS990/Form990PartVIISectionAGrp/PersonNm34Chad Pedersen
IRS990/Form990PartVIISectionAGrp/PersonNm35Bao Vang
IRS990/Form990PartVIISectionAGrp/PersonNm36Janet Fahey
IRS990/Form990PartVIISectionAGrp/PersonNm37Ryan Sharp
IRS990/Form990PartVIISectionAGrp/PersonNm38Kari Niedfeldt-Thomas
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Past Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt14Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt15Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt16Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt17Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt18Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt19Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt20Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt21Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt22Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt23Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt24Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt25Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt26Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt27Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt28Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt29Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt30Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt31Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt32President & CEO (End 6/30/2025)
IRS990/Form990PartVIISectionAGrp/TitleTxt33VP of Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt34VP of AB Development
IRS990/Form990PartVIISectionAGrp/TitleTxt35VP of Communications
IRS990/Form990PartVIISectionAGrp/TitleTxt36VP of HR, Talent, and Trai
IRS990/Form990PartVIISectionAGrp/TitleTxt37VP of Finance and Accounti
IRS990/Form990PartVIISectionAGrp/TitleTxt38President & CEO (Begin 6/30/25)
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IRS990/MissionDesc0To ensure an ethical marketplace where buyers and sellers can trust each other to be the leader in advancing marketplace trust.

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