Civic Intelligence

Better Business Bureau of Greater

EIN 43-0181430 • 501(c)6 • St Louis, MO

View Organization Page

Profile

To be the leader in advancing marketplace trust by setting standards for marketplace trust, encouraging and supporting best practices by engaging with and educating consumers and businesses, celebrating marketplace role models, calling out and addressing substandard marketplace behavior and creating a community of trustworthy businesses and charities.

211 North Broadway Suite 2060 206St Louis, MO 63102

www.bbb.org/US/MO/SAINT-LOUIS

Siviq Scores

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

Liabilities / Assets

39th percentile

0.14x

Higher debt load relative to assets than 39% of similar nonprofits.

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

Liabilities / Revenue

25th percentile

0.10x

Higher debt load relative to revenue than 25% of similar nonprofits.

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

Net Margin

35th percentile

0.6%

Higher net margin than 35% of similar nonprofits.

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

Top Officer Pay

65th percentile

$342,043

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

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

Asset Growth

25th percentile

-1.6%

Faster asset growth than 25% of similar nonprofits.

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

Revenue Growth

48th percentile

5.7%

Faster revenue growth than 48% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets39th percentile

Assets

Down

$4,173,874

Down $67,188 (-1.6%) from 2023

Liabilities

Down

$582,198

Down $137,468 (-19%) from 2023

Net Assets

Up

$3,591,676

Up $70,280 (+2.0%) from 2023

Operations
Liabilities / Revenue25th percentileNet Margin35th percentile

Revenue

Up

$5,871,172

Up $316,556 (+5.7%) from 2023

Expenses

Up

$5,837,836

Up $368,334 (+6.7%) from 2023

Net Income

Down

$33,336

Down $51,778 (-61%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $1,116,333Liabilities 2010: $188,742Net Assets 2010: $927,5912010Assets 2011: $1,542,561Liabilities 2011: $488,605Net Assets 2011: $1,053,9562011Assets 2012: $1,644,091Liabilities 2012: $470,845Net Assets 2012: $1,173,2462012Assets 2013: $1,916,501Liabilities 2013: $415,771Net Assets 2013: $1,500,7302013Assets 2014: $1,985,727Liabilities 2014: $387,405Net Assets 2014: $1,598,3222014Assets 2015: $2,143,275Liabilities 2015: $357,701Net Assets 2015: $1,785,5742015Assets 2016: $2,403,341Liabilities 2016: $441,189Net Assets 2016: $1,962,1522016Assets 2017: $2,607,080Liabilities 2017: $393,061Net Assets 2017: $2,214,0192017Assets 2018: $2,791,124Liabilities 2018: $405,534Net Assets 2018: $2,385,5902018Assets 2019: $3,133,268Liabilities 2019: $400,704Net Assets 2019: $2,732,5642019Assets 2020: $3,560,663Liabilities 2020: $540,356Net Assets 2020: $3,020,3072020Assets 2021: $4,281,553Liabilities 2021: $1,052,454Net Assets 2021: $3,229,0992021Assets 2022: $4,328,216Liabilities 2022: $891,934Net Assets 2022: $3,436,2822022Assets 2023: $4,241,062Liabilities 2023: $719,666Net Assets 2023: $3,521,3962023Assets 2024: $4,173,874Liabilities 2024: $582,198Net Assets 2024: $3,591,6762024

Highlighted filing

2024

Assets$4,173,874
Liabilities$582,198
Net Assets$3,591,676
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

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

$6.0M$4.0M$2.0M$0Revenue 2010: $2,157,736Expenses 2010: $2,144,977Net Income 2010: $12,7592010Expenses 2011: $2,153,8762011Expenses 2012: $2,392,4902012Revenue 2013: $2,975,610Expenses 2013: $2,648,126Net Income 2013: $327,4842013Revenue 2014: $3,039,434Expenses 2014: $2,941,842Net Income 2014: $97,5922014Revenue 2015: $3,483,647Expenses 2015: $3,296,395Net Income 2015: $187,2522015Revenue 2016: $3,761,699Expenses 2016: $3,585,121Net Income 2016: $176,5782016Revenue 2017: $4,457,054Expenses 2017: $4,205,187Net Income 2017: $251,8672017Revenue 2018: $4,779,355Expenses 2018: $4,607,784Net Income 2018: $171,5712018Revenue 2019: $5,189,708Expenses 2019: $4,842,734Net Income 2019: $346,9742019Revenue 2020: $5,151,284Expenses 2020: $4,863,541Net Income 2020: $287,7432020Revenue 2021: $5,139,066Expenses 2021: $4,930,274Net Income 2021: $208,7922021Revenue 2022: $5,677,898Expenses 2022: $5,470,715Net Income 2022: $207,1832022Revenue 2023: $5,554,616Expenses 2023: $5,469,502Net Income 2023: $85,1142023Revenue 2024: $5,871,172Expenses 2024: $5,837,836Net Income 2024: $33,3362024

Highlighted filing

2024

Revenue$5,871,172
Expenses$5,837,836
Net Income$33,336
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,173,874
Liabilities
$582,198
Net assets
$3,591,676
Revenue
$5,871,172
Expenses
$5,837,836
Net income
$33,336
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.17$0.58$3.59$5.87$5.84$0.03
2023Detailed filing. Detailed filing data is available for this year.$4.24$0.72$3.52$5.55$5.47$0.09
2022Detailed filing. Detailed filing data is available for this year.$4.33$0.89$3.44$5.68$5.47$0.21
2021Detailed filing. Detailed filing data is available for this year.$4.28$1.05$3.23$5.14$4.93$0.21
2020Detailed filing. Detailed filing data is available for this year.$3.56$0.54$3.02$5.15$4.86$0.29
2019Detailed filing. Detailed filing data is available for this year.$3.13$0.40$2.73$5.19$4.84$0.35
2018Detailed filing. Detailed filing data is available for this year.$2.79$0.41$2.39$4.78$4.61$0.17
2017Detailed filing. Detailed filing data is available for this year.$2.61$0.39$2.21$4.46$4.21$0.25
2016Detailed filing. Detailed filing data is available for this year.$2.40$0.44$1.96$3.76$3.59$0.18
2015Detailed filing. Detailed filing data is available for this year.$2.14$0.36$1.79$3.48$3.30$0.19
2014Detailed filing. Detailed filing data is available for this year.$1.99$0.39$1.60$3.04$2.94$0.10
2013Detailed filing. Detailed filing data is available for this year.$1.92$0.42$1.50$2.98$2.65$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.64$0.47$1.17$2.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.54$0.49$1.05$2.15
2010Summary only. Only limited summary data is available for this year.$1.12$0.19$0.93$2.16$2.14$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$5,917,283
Mission and Program Overview

Mission

To be the leader in advancing marketplace trust by creating an ethical marketplace where buyers and sellers can trust each other through bbb standards of trust established for accredited businesses.

To be the leader in advancing marketplace trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$718,338$2,465,740▲ $1,747,402
Savings and Temporary Cash Investments$1,333,172$472,274▼ $860,898
Cash and Non-Interest-Bearing Accounts$218,862$350,500▲ $131,638
Accounts Receivable$138,815$265,248▲ $126,433
Investments Other Securities$1,257,587$216,464▼ $1,041,123
Land, Buildings, and Equipment, Net$215,936$185,533▼ $30,403
Prepaid Expenses and Deferred Charges$44,028$25,449▼ $18,579
Total Assets$4,241,062$4,173,874▼ $67,188
Other Assets Total$314,324$192,666▼ $121,658
Liabilities
Accounts Payable and Accrued Expenses$245,398$273,339▲ $27,941
Other Liabilities$426,827$261,115▼ $165,712
Deferred Revenue$47,441$47,744▲ $303
Total Liabilities$719,666$582,198▼ $137,468
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,521,396$3,591,676▲ $70,280
Total Net Assets Fund Balance$3,521,396$3,591,676▲ $70,280
Total Liabilities and Net Assets / Fund Balance$4,241,062$4,173,874▼ $67,188

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$153,792$392,760$546,552
Leasehold Improvements$31,741$329,839$361,580
Other Securities$216,464--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle CoreyPresident & CEOFT$254,936$87,107$342,043
Chris ThetfordChief Operating OfficerFT$146,498$47,438$193,936
Tracy HardgroveChief Customer & Compliance OfficerFT$141,424$50,444$191,868
Josh KaestnerDirector of Business DevelopmentFT$124,256$11,095$135,351
Sarah SchlimmeDirector of CommunicationsFT$105,138$10,327$115,465
Craig TurnerDirector of ItFT$102,667$10,177$112,844

Board Members and Trustees

NameTitle
Todd SmithChairman
Katie StatlerImmediate Past Chair
Greg KendallVice Chairman
Aaron WindholzDirector
Angela CourtwrightDirector
Barry GrantDirector
Ben LynchDirector
Blake BirnerDirector
Carolyn BeardDirector
Don BrownDirector
Heidi SingletonDirector
Jill FalkDirector
Joe FisherDirector
John LegensDirector
Katie HopkinsDirector
Mary Schwartz WesterholdDirector
Meghan McclureDirector
Rose McdanielDirector
Sarah KieferDirector
Seth GoldkampDirector
Stefan SigurdsonDirector
Ted Liebig JrDirector
Terri DementDirector
Todd SmithDirector
Tom GershmanDirector
Tom LinharesDirector
Ben StegmannDirector at Large
Tom LinharesSecretary
Adriane YatesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$32,164
Program Service Revenue
$5,751,906
Investment Income
$76,110
Other Revenue
$10,992
Change in Net Assets
$33,336

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,871,172
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$51,801
Total Revenue per Audited Statements
$5,922,973
Total Revenue per Form 990
$5,871,172
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,326,751
Other Expenses$2,511,085
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,307,136$787,648-$2,094,784
Current Officers, Directors, Trustees, and Key Employees$385,804$342,043-$727,847
Advertising$239,371$159,580-$398,951
Office Expenses$143,415$130,190-$273,605
Payroll Taxes$138,274$92,183-$230,457
Other Employee Benefits$133,595$91,067-$224,662
Occupancy$107,151$71,434-$178,585
Fees for Services Other$98,209$65,473-$163,682
Information Technology$53,909$35,939-$89,848
Travel$48,205$32,136-$80,341
Depreciation Depletion$46,289$30,859-$77,148
Fees for Services Legal$33,636$22,424-$56,060
Pension Plan Contributions$31,241$17,760-$49,001
Other Expenses$20,847$13,899-$34,746
Insurance$15,303$10,203-$25,506
Fees for Services Accounting$10,804$7,202-$18,006
All Other Expenses$2,351$12,968-$15,319
Conferences and Meetings$7,946$5,297-$13,243
Fees for Service Investment Mgmnt Fees$2,264$1,509-$3,773
Total Functional Expenses$2,994,436$2,843,400$0$5,837,836

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,837,836
Total Expenses per Audited Statements$5,837,836
Total Expenses per Form 990$5,837,836
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$46,111
Fundraising Gross Income$46,111
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Awards Luncheon$78,275$46,111$16,306$29,805
Total Events$78,275$46,111$46,111$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
Operating Lease Liabilities$261,115
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Organization has three classes of membership; active, limited and honorary.”

Form 990, Part VI, Section A, Line 7A

“The members elect the board through mail-in votes.”

Form 990, Part VI, Section A, Line 7B

“Bylaw changes require approval by the members.”

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

“A pdf copy of the form 990 will be sent to the board prior to filing.”

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

“Each member of the board of directors completes and signs a conflict of interest policy form every december.”

Form 990, Part VI, Section B, Line 15

“The board approves the president's salary using comparable salary data and documents in board minutes. The other officer's compensation is approved through the budget process.”

Form 990, Part VI, Section C, Line 19

“BY REQUEST”

Filing and Contact Details

Filer

Filer Name
Better Business Bureau of Greater
EIN
43-0181430
Phone
3146454636
Address
211 NORTH BROADWAY SUITE 2060 206, ST LOUIS, MO 63102

Signing Officer

Name
Michelle L Corey
Title
President & CEO
Phone
3146454636
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle L Corey
Formed
1917
Legal Domicile
Mo
Voting Board Members
28
Independent Board Members
27
Employees
57
Volunteers
7

Preparer

Firm
Anders Minkler Huber & Helm Llp
Address
800 MARKET STREET SUITE 500, ST LOUIS, MO 63101-2501
Preparer
Thomas S Helm Jr
Phone
3146555500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Foreign currency translation adjustments -14,857.”

Financial Statement Notes

PART X, LINE 2:

“The bbb is exempt from federal income taxes under section 501(c)(6) of the internal revenue code (the "code"), except on net income derived from unrelated business activities as defined in the code. Accordingly, the bbb files as a tax exempt organization. The bbb follows guidance issued by the fasb on accounting for income taxes and has evaluated its tax positions, expiring statutes of limitations, audits, proposed settlements, changes in tax law and new authoritative rulings, and believes that no provision for income taxes is necessary to cover any uncertain tax positions. The bbb's returns for tax years 2021 and later remain subject to examination by taxing authorities.”

Raw XML AppendixShowing 400 of 745 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/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4IMMEDIATE PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR AT LARGE
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt29PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt30CHIEF CUSTOMER & COMPLIANCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt31CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt32DIRECTOR OF COMMUNICATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt33DIRECTOR OF BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt34DIRECTOR OF IT
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IRS990/MissionDesc0TO BE THE LEADER IN ADVANCING MARKETPLACE TRUST BY SETTING STANDARDS FOR MARKETPLACE TRUST, ENCOURAGING AND SUPPORTING BEST PRACTICES BY ENGAGING WITH AND EDUCATING CONSUMERS AND BUSINESSES, CELEBRATING MARKETPLACE ROLE MODELS, CALLING OUT AND ADDRESSING SUBSTANDARD MARKETPLACE BEHAVIOR AND CREATING A COMMUNITY OF TRUSTWORTHY BUSINESSES AND CHARITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00

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