Civic Intelligence

Better Business Bureau Inc

EIN 86-0006552 • 501(c)6 • Phoenix, AZ

Profile

To be the leader in advancing marketplace trust. The bureau accomplishes this by: creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating role models, and denouncing substandard marketplace behavior.

1010 E Missouri AvenuePhoenix, AZ 85014

see schedule o

Siviq Scores

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

Liabilities / Assets

76th percentile

0.47x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

0.33x

Higher debt load relative to revenue than 44% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Net Margin

49th percentile

3.9%

Higher net margin than 49% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

88th percentile

$806,227

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Asset Growth

43rd percentile

4.3%

Faster asset growth than 43% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Revenue Growth

67th percentile

12%

Faster revenue growth than 67% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Assets

Up

$14,697,817

Up $1,176,379 (+8.7%) from 2022

Liabilities

Up

$6,847,243

Up $297,898 (+4.5%) from 2022

Net Assets

Up

$7,850,574

Up $878,481 (+13%) from 2022

Revenue

Up

$20,730,672

Up $4,220,631 (+26%) from 2022

Expenses

Up

$19,922,055

Up $3,537,028 (+22%) from 2022

Net Income

Up

$808,617

Up $683,603 (+547%) from 2022

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $2,890,621Liabilities 2010: $1,681,080Net Assets 2010: $1,209,5412010Assets 2011: $3,451,088Liabilities 2011: $1,720,502Net Assets 2011: $1,730,5862011Assets 2012: $3,780,899Liabilities 2012: $1,779,561Net Assets 2012: $2,001,3382012Assets 2013: $3,981,018Liabilities 2013: $1,791,644Net Assets 2013: $2,189,3742013Assets 2014: $4,184,929Liabilities 2014: $1,697,575Net Assets 2014: $2,487,3542014Assets 2015: $7,114,617Liabilities 2015: $4,526,090Net Assets 2015: $2,588,5272015Assets 2016: $6,942,105Liabilities 2016: $4,781,942Net Assets 2016: $2,160,1632016Assets 2018: $8,491,674Liabilities 2018: $4,972,289Net Assets 2018: $3,519,3852018Assets 2020: $9,044,078Liabilities 2020: $4,774,600Net Assets 2020: $4,269,4782020Assets 2021: $11,570,437Liabilities 2021: $4,614,015Net Assets 2021: $6,956,4222021Assets 2022: $13,521,438Liabilities 2022: $6,549,345Net Assets 2022: $6,972,0932022Assets 2024: $14,697,817Liabilities 2024: $6,847,243Net Assets 2024: $7,850,5742024

Highlighted filing

2024

Assets$14,697,817
Liabilities$6,847,243
Net Assets$7,850,574

Operations Trend

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

$30M$20M$10M$0-$10MExpenses 2010: $3,972,1342010Expenses 2011: $4,009,1212011Expenses 2012: $4,451,9312012Revenue 2013: $5,348,251Expenses 2013: $5,160,215Net Income 2013: $188,0362013Revenue 2014: $5,780,848Expenses 2014: $5,482,868Net Income 2014: $297,9802014Revenue 2015: $6,463,251Expenses 2015: $5,847,508Net Income 2015: $615,7432015Revenue 2016: $6,883,192Expenses 2016: $7,826,126Net Income 2016: -$942,9342016Revenue 2018: $12,104,765Expenses 2018: $12,728,377Net Income 2018: -$623,6122018Revenue 2020: $13,850,725Expenses 2020: $13,040,212Net Income 2020: $810,5132020Revenue 2021: $16,919,340Expenses 2021: $14,232,396Net Income 2021: $2,686,9442021Revenue 2022: $16,510,041Expenses 2022: $16,385,027Net Income 2022: $125,0142022Revenue 2024: $20,730,672Expenses 2024: $19,922,055Net Income 2024: $808,6172024

Highlighted filing

2024

Revenue$20,730,672
Expenses$19,922,055
Net Income$808,617

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$6.85$7.85$20.7$19.9$0.81
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$6.55$6.97$16.5$16.4$0.13
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.6$4.61$6.96$16.9$14.2$2.69
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.04$4.77$4.27$13.9$13.0$0.81
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.49$4.97$3.52$12.1$12.7$0.62
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.94$4.78$2.16$6.88$7.83$0.94
2015Detailed filing. Detailed filing data is available for this year.$7.11$4.53$2.59$6.46$5.85$0.62
2014Detailed filing. Detailed filing data is available for this year.$4.18$1.70$2.49$5.78$5.48$0.30
2013Detailed filing. Detailed filing data is available for this year.$3.98$1.79$2.19$5.35$5.16$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.78$1.78$2.00$4.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.45$1.72$1.73$4.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.89$1.68$1.21$3.97
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 30, 2025
Return Version
2024v5.2
Gross Receipts
$20,750,618
Mission and Program Overview

Mission

To be the leader in advancing marketplace trust. The bureau accomplishes this by: creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating role models, and denouncing substandard marketplace behavior.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$5,350,422$5,797,273▲ $446,851
Cash and Non-Interest-Bearing Accounts$4,261,830$2,305,043▼ $1,956,787
Accounts Receivable$1,257,589$2,243,592▲ $986,003
Savings and Temporary Cash Investments$253,920$2,126,062▲ $1,872,142
Prepaid Expenses and Deferred Charges$868,824$1,142,731▲ $273,907
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$13,371,455$14,697,817▲ $1,326,362
Other Assets Total$1,378,870$1,083,116▼ $295,754
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,483,892$2,843,029▲ $359,137
Accounts Payable and Accrued Expenses$1,665,094$2,102,409▲ $437,315
Other Liabilities$1,645,884$1,314,127▼ $331,757
Deferred Revenue$534,628$587,678▲ $53,050
Total Liabilities$6,329,498$6,847,243▲ $517,745
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,041,957$7,850,574▲ $808,617
Total Net Assets Fund Balance$7,041,957$7,850,574▲ $808,617
Total Liabilities and Net Assets / Fund Balance$13,371,455$14,697,817▲ $1,326,362

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,647,596$713,679$3,361,275
Land$2,696,902-$2,696,902
Other Land Buildings$338,490$546,113$884,603
Equipment$86,400$338,253$424,653
Leasehold Improvements$27,885$65,406$93,291
Other Assets Org$1,083,116--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew M FehlingPresident & CEOFT$487,805$142,422$806,227
John G PonderVP & CAOFT$473,049$226,500$513,549
Chad R FrankVP of StrategyFT$256,015$51,181$278,986
Brian J LawlerDirector Bus RelationsFT$235,373$37,919$253,292
Richard ChapmanDirector Bus RelationsFT$213,976$16,968$230,944
Koriann MoralesVP & CPOFT$167,459$34,745$209,414
Patty BeckmanCFOFT$153,807$7,761$191,568
Brenda J WilliamsBus. Relations RepFT$177,097$17,539$189,636
Katheryne E SchaabDr of COM. MrktngFT$169,968$46,006$182,764
Michael SedioVP & COOFT$128,231$6,497$167,938
Noelle K RookeVP of People & CULFT$133,788$6,300$166,088

Board Members and Trustees

NameTitle
Nicole DonnellyChair
Carrie YoungPast Chair
Jodi LowVice Chair
Aaron FrazierBoard Member
Allen MaxwellBoard Member
Anthony NardoBoard Member
Brian BurtBoard Member
Brian MohrBoard Member
Byram FrostBoard Member
Carmen JandacekBoard Member
Cathy GrahamBoard Member
Celia WaddingtonBoard Member
Chris DemarcoBoard Member
Chris SharfnerBoard Member
Craig DeshieldsBoard Member
Dave BurnsBoard Member
Dave MartinBoard Member
David DickBoard Member
David RallsBoard Member
Dr Pamela WilliamsonBoard Member
Ed DenaBoard Member
Elaine LabedzBoard Member
Gary SneedBoard Member
Gerald SmithsonBoard Member
Glenna GatesBoard Member
Harry LangenbergBoard Member
Heidi FeeneyBoard Member
Jeff NkansahBoard Member
Jeff PerieraBoard Member
Jimmy DunnBoard Member
John CravenBoard Member
Jonathan GallagherBoard Member
Julien BrandtBoard Member
Ken BonhamBoard Member
Ken SteitzBoard Member
Kim Anderson-matichBoard Member
La Donna SnowBoard Member
Maria BarquinBoard Member
Michael GoldfardBoard Member
Mike BontragerBoard Member
Mike DonleyBoard Member
Mike LittauBoard Member
Mike McguirkBoard Member
Owen FreemanBoard Member
Patrick LozanoBoard Member
Paul CarterBoard Member
Richard ArtisBoard Member
Rick DircksBoard Member
Robert BehicBoard Member
Roxanne GovariBoard Member
Ryan BuellBoard Member
Saint DominguezBoard Member
Steve MahlumBoard Member
Steven RedingBoard Member
Todd CahillBoard Member
Tyler YatesBoard Member
Ville HouttuBoard Member
Vincent MatrangaBoard Member
Jacquelyn KeenanSecretary
Bradley SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,187,201
Program Service Revenue
$19,319,157
Investment Income
$101,453
Other Revenue
$122,861
All Other Contributions
$1,187,201
Change in Net Assets
$808,617

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Other Non Cash Contri Table1$1,185,594Fair Market Value (FMV)
Total Noncash Contributions1$1,185,594-
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$14,927,620
Other Expenses$4,994,435
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,551,488
Current Officers, Directors, Trustees, and Key Employees---$2,167,682
Other Employee Benefits---$1,275,526
Payroll Taxes---$932,924
Occupancy---$903,966
Fees for Services Other---$444,007
Advertising---$392,871
Information Technology---$385,805
Office Expenses---$273,069
Travel---$235,186
Depreciation Depletion---$214,184
Other Expenses---$168,388
Interest---$123,189
Insurance---$117,471
All Other Expenses---$60,819
Total Functional Expenses$0$0$0$19,922,055
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gary SneedBoard MemberMortgage & Loan ServNo$204,746
Elaine RallsBoard MemberMarketing ServicesNo$156,400

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Lease Liability$1,314,127
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
No
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 2

A board member is also an officer of the financial institution used by bbb.

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

990 is prepared by cpa. It is then submitted to bbb to be reviewed by the cfo and finance committee. Any questions are submitted back to the cpa. Then it is provided to the executive committee for review prior to filing. A copy will also be provided to the entire board.

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

All members of the board of directors and all employees complete a disclosure form, stating if they are aware of any conflicts they have with the organization. These forms are required to be completed on an annual basis. Any conflicts disclosed are discussed by the board of directors. At each board meeting, a director with a potential confilict will recuse themselves from the vote.

Form 990, Part VI, Section B, Line 15A

The board of directors annually reviews and approves the executive directors compensation.

Form 990, Part VI, Section C, Line 19

The organization will make their conflict of interest policy, governing documents and financial statements available to the general public upon request.

Filing and Contact Details

Filer

Filer Name
Better Business Bureau Inc
EIN
86-0006552
Phone
6022641721
Address
1010 E MISSOURI AVENUE, PHOENIX, AZ 85014

Signing Officer

Name
Patty Beckman
Title
CFO
Signed
2025-09-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patty Beckman
Formed
1938
Legal Domicile
Az
Voting Board Members
61
Independent Board Members
60
Employees
199
Volunteers
60

Preparer

Firm
West Rhode & Roberts
Address
2741 4th Ave, San Diego, CA 92103
Preparer
Christopher M Roberts
Phone
6196155380
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

Better Business Bureau Serving the Pacific Southwest, a not-for-profit organization, is exempt from income taxes under Internal Revenue Code Section 501(c)(6), is exempt from the State of Arizona income tax under Arizona Revised Statutes, section 43-1201(A) and is also exempt from the State of California franchise and income tax under Section 23701(d) of the State Revenue and Taxation Code. The Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) 740-10, Accounting for Uncertainties in Income Tax, sets a minimum threshold for financial statement recognition of the benefit of a tax position taken or expected to be taken in a tax return. The Organization has reviewed its position for all open tax years and has determined that it has no uncertain tax positions requiring accrual or disclosure.

Raw XML AppendixShowing 400 of 1,099 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.

Path#Value
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IRS990/ActivityOrMissionDesc0TO BE THE LEADER IN ADVANCING MARKETPLACE TRUST. THE BUREAU ACCOMPLISHES THIS BY: CREATING A COMMUNITY OF TRUSTWORTHY BUSINESSES, SETTING STANDARDS FOR MARKETPLACE TRUST, ENCOURAGING AND SUPPORTING BEST PRACTICES, CELEBRATING ROLE MODELS, AND DENOUNCING SUBSTANDARD MARKETPLACE BEHAVIOR.
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IRS990/Desc0SETTING AND UPHOLDING HIGH STANDARDS FOR FAIR AND HONEST BUSINESS BEHAVIOR. BUSINESSES THAT EARN BBB ACCREDITATION CONTRACTUALLY AGREE AND ADHERE TO THE ORGANIZATIONS HIGH STANDARDS FOR TRUST. INCORPORATED LOCALLY IN 1938, YOUR BBB SERVES COMMUNITIES IN SOUTHERN CALIFORNIA AND CENTRAL, NORTHERN AND WESTERN ARIZONA AND IS SUPPORTED BY OVER 20,225 BBB ACCREDITED BUSINESSES. BBB PROVIDES OBJECTIVE ADVICE, FREE BUSINESS REVIEWS, CHARITY REVIEWS AS WELL AS EDUCATIONAL INFORMATION ON TOPICS AFFECTING MARKETPLACE TRUST. ADDITIONALLY, BBB PROVIDES FREE DISPUTE RESOLUTION SERVICES, INCLUDING MEDIATION AND ARBITRATION, TO REALIZE ITS VISION OF A MARKETPLACE WHERE BUYERS AND SELLERS CAN TRUST EACH OTHER.
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