Civic Intelligence

Better Business Bureau of Middle

EIN 62-0645932 • 501(c)6 • Nashville, TN

Profile

Promote the advancement of truth, honesty, and accuracy in advertising and selling practices and increase public confidence in business.

25 Century Boulevard 101Nashville, TN 37214

gobbb.org

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.46x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

39th percentile

0.09x

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

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

41st percentile

1.8%

Higher net margin than 41% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

69th percentile

$199,442

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

44th percentile

3.4%

Faster asset growth than 44% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

2.1%

Faster revenue growth than 39% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$627,766

Up $20,366 (+3.4%) from 2023

Liabilities

Down

$287,845

Down $35,908 (-11%) from 2023

Net Assets

Up

$339,921

Up $56,274 (+20%) from 2023

Operations
Liabilities / Revenue39th percentileNet Margin41st percentile

Revenue

Up

$3,048,723

Up $63,961 (+2.1%) from 2023

Expenses

Down

$2,992,449

Down $444,478 (-13%) from 2023

Net Income

Up

$56,274

Up $508,439 (+112%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $873,908Liabilities 2011: $65,379Net Assets 2011: $808,5292011Assets 2012: $1,186,944Liabilities 2012: $0Net Assets 2012: $1,186,9442012Assets 2013: $1,479,626Liabilities 2013: $0Net Assets 2013: $1,479,6262013Assets 2014: $1,809,316Liabilities 2014: $367,171Net Assets 2014: $1,442,1452014Assets 2015: $2,002,764Liabilities 2015: $431,858Net Assets 2015: $1,570,9062015Assets 2016: $2,073,058Liabilities 2016: $399,942Net Assets 2016: $1,673,1162016Assets 2017: $2,073,479Liabilities 2017: $442,125Net Assets 2017: $1,631,3542017Assets 2018: $1,672,418Liabilities 2018: $409,372Net Assets 2018: $1,263,0462018Assets 2019: $1,386,081Liabilities 2019: $15,321Net Assets 2019: $1,370,7602019Assets 2020: $1,497,534Liabilities 2020: $199,493Net Assets 2020: $1,298,0412020Assets 2021: $1,542,443Liabilities 2021: $199,756Net Assets 2021: $1,342,6872021Assets 2022: $967,461Liabilities 2022: $231,649Net Assets 2022: $735,8122022Assets 2023: $607,400Liabilities 2023: $323,753Net Assets 2023: $283,6472023Assets 2024: $627,766Liabilities 2024: $287,845Net Assets 2024: $339,9212024

Highlighted filing

2024

Assets$627,766
Liabilities$287,845
Net Assets$339,921
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

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

$4.0M$2.0M$0-$2.0MRevenue 2011: $2,969,653Expenses 2011: $2,646,400Net Income 2011: $323,2532011Revenue 2012: $3,117,099Expenses 2012: $2,738,684Net Income 2012: $378,4152012Revenue 2013: $3,132,209Expenses 2013: $2,839,527Net Income 2013: $292,6822013Revenue 2014: $3,080,927Expenses 2014: $2,954,253Net Income 2014: $126,6742014Revenue 2015: $2,956,193Expenses 2015: $2,827,432Net Income 2015: $128,7612015Revenue 2016: $2,956,035Expenses 2016: $2,853,825Net Income 2016: $102,2102016Revenue 2017: $3,164,920Expenses 2017: $3,206,682Net Income 2017: -$41,7622017Revenue 2018: $3,260,849Expenses 2018: $3,455,156Net Income 2018: -$194,3072018Revenue 2019: $3,236,951Expenses 2019: $3,394,309Net Income 2019: -$157,3582019Revenue 2020: $2,978,728Expenses 2020: $3,027,230Net Income 2020: -$48,5022020Revenue 2021: $3,414,512Expenses 2021: $3,375,194Net Income 2021: $39,3182021Revenue 2022: $2,939,846Expenses 2022: $3,546,721Net Income 2022: -$606,8752022Revenue 2023: $2,984,762Expenses 2023: $3,436,927Net Income 2023: -$452,1652023Revenue 2024: $3,048,723Expenses 2024: $2,992,449Net Income 2024: $56,2742024

Highlighted filing

2024

Revenue$3,048,723
Expenses$2,992,449
Net Income$56,274
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$627,766
Liabilities
$287,845
Net assets
$339,921
Revenue
$3,048,723
Expenses
$2,992,449
Net income
$56,274
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.63$0.29$0.34$3.05$2.99$0.06
2023Detailed filing. Detailed filing data is available for this year.$0.61$0.32$0.28$2.98$3.44$0.45
2022Detailed filing. Detailed filing data is available for this year.$0.97$0.23$0.74$2.94$3.55$0.61
2021Detailed filing. Detailed filing data is available for this year.$1.54$0.20$1.34$3.41$3.38$0.04
2020Detailed filing. Detailed filing data is available for this year.$1.50$0.20$1.30$2.98$3.03$0.05
2019Detailed filing. Detailed filing data is available for this year.$1.39$0.02$1.37$3.24$3.39$0.16
2018Detailed filing. Detailed filing data is available for this year.$1.67$0.41$1.26$3.26$3.46$0.19
2017Detailed filing. Detailed filing data is available for this year.$2.07$0.44$1.63$3.16$3.21$0.04
2016Summary only. Only limited summary data is available for this year.$2.07$0.40$1.67$2.96$2.85$0.10
2015Summary only. Only limited summary data is available for this year.$2.00$0.43$1.57$2.96$2.83$0.13
2014Summary only. Only limited summary data is available for this year.$1.81$0.37$1.44$3.08$2.95$0.13
2013Summary only. Only limited summary data is available for this year.$1.48$0.00$1.48$3.13$2.84$0.29
2012Summary only. Only limited summary data is available for this year.$1.19$0.00$1.19$3.12$2.74$0.38
2011Summary only. Only limited summary data is available for this year.$0.87$0.07$0.81$2.97$2.65$0.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 9, 2025
Return Version
2024v5.2
Gross Receipts
$3,048,723
Mission and Program Overview

Mission

Promote the advancement of truth, honesty, and accuracy in advertising and selling practices and increase public confidence in business.

To be the leader in advancing marketplace trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$433,826$485,633▲ $51,807
Other Notes and Loans Receivable, Net$25,292$27,042▲ $1,750
Land, Buildings, and Equipment, Net$40,856$22,361▼ $18,495
Prepaid Expenses and Deferred Charges$16,020$16,020→ $0
Total Assets$607,400$627,766▲ $20,366
Other Assets Total$91,406$76,710▼ $14,696
Liabilities
Mortgage Notes Payable Secured by Investment Property$258,124$261,001▲ $2,877
Accounts Payable and Accrued Expenses$65,629$26,844▼ $38,785
Total Liabilities$323,753$287,845▼ $35,908
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$283,647$339,921▲ $56,274
Total Net Assets Fund Balance$283,647$339,921▲ $56,274
Total Liabilities and Net Assets / Fund Balance$607,400$627,766▲ $20,366

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$18,986$116,232$135,218
Leasehold Improvements$3,375$17,792$21,167
Other Assets Org$76,710--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robyn HouseholderPresident/CEOFT$178,036$21,406$199,442

Board Members and Trustees

NameTitle
Mitchel BoneChair Elect
George BuckChair of the Board
Anthony CassiolDirector
Brent ThorntonDirector
C Thomas BatesDirector
Carol PentermanDirector
Carolyn DentonDirector
Courtney McgeeDirector
Curtis SuttonDirector
David FlowDirector
Debbi MannDirector
Garland MahanDirector
Jared DaltonDirector
Jason JohnsonDirector
Jennifer DavieDirector
Katelyn SharpesDirector
Kim Ann ThuringerDirector
Leslie MurrayDirector
Michael BarthDirector
Mike SpruillDirector
Moren AdenubiDirector
Perry KeenanDirector
Robert MohonDirector
Rose MeltonDirector
Sean PetersDirector
Todd RobinsonDirector
Trey CampbellDirector
Victor BerriosDirector
Andrew ScogginsSecretary
Robert CarpenterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,636,503
Investment Income
$37,640
Other Revenue
$374,580
Change in Net Assets
$56,274
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,917,971
Other Expenses$1,074,478
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,460,137
Occupancy---$207,914
Current Officers, Directors, Trustees, and Key Employees---$199,442
Information Technology---$175,134
Office Expenses---$132,617
Payroll Taxes---$130,724
Advertising---$124,750
Fees for Services Other---$92,480
Other Employee Benefits---$70,489
Pension Plan Contributions---$57,179
Fees for Services Accounting---$47,269
Fees for Services Legal---$39,149
Insurance---$22,760
Depreciation Depletion---$18,494
Travel---$18,381
Other Expenses---$12,272
Total Functional Expenses$0$0$0$2,992,449
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
Yes
Subject to proxy tax
Yes
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The accounting and hr functions are outsourced to local firms under the supervision of the president/ceo.”

Form 990, Part VI, Section A, Line 6

“The organization is a 501(c)(6) organization that collects dues from member accredited businesses.”

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

“Copies of form 990 and form 990-t are furnished to the budget and finance committee and the international association of better business bureaus for their review and approval.”

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

“Employees, officers and board members are required to disclose all conflicts of interest to the chief executive officer. Directors are required to communicate via writing or by meeting with both the ceo and chairman of the board. At their discretion, the executive committee or board may request that the ceo take appropriate action to minimize or preclude the appearance or existence of a perceived or real conflict of interest.”

Form 990, Part VI, Section B, Line 15

“Executive committee approves ceo's compensation for the year.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are made available on the organization's website.”

Filing and Contact Details

Filer

Filer Name
Better Business Bureau of Middle
EIN
62-0645932
Phone
6152504222
Address
25 CENTURY BOULEVARD 101, NASHVILLE, TN 37214

Signing Officer

Name
Robyn Householder
Title
President/CEO
Phone
6152504222
Signed
2025-10-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robyn Householder
Formed
1970
Legal Domicile
Tn
Voting Board Members
30
Independent Board Members
30
Employees
38
Volunteers
30

Preparer

Firm
Baker Tilly Advisory Group Lp
Address
555 GREAT CIRCLE ROAD, NASHVILLE, TN 37228
Preparer
Katie Grant
Phone
6152427351
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The budget and finance committee mets with the audit/review team to review financial statements in more detail as well as underwent a request for proposal process.”

Financial Statement Notes

PART X, LINE 2:

“Management performs an evaluation of all income tax positions taken or expected to be taken in the course of preparing the company's income tax returns to determine whether the income tax positions meet a "more likely than not" standard of being sustained under examination by the applicable taxing authorities. Management has performed its evaluation of all income tax positions taken on all open income tax returns and has determined that there were no positions taken that do not meet the "more likely than not" standard. Accordingly, there are no provisions for income taxes, penalties or interest receivable or payable relating to uncertain income tax positions in the accompanying financial statements.”

Raw XML AppendixShowing 400 of 628 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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