LAKEVIEW POLAR BEAR CLUB NFP Chicago Polar Bear Club NFP
Nonprofit profile at a glance
- EIN
- 364629986
- IRS 990-EZ coverage
- 2022–2025
- Forms available
- Form 990-EZ 2025, Form 990-N 2021
- Location
- Chicago, IL, USA
- Phone
- 9378361600
- Rating
- 95
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Philanthropy, Charity, Voluntarism Promotion
Reported finances
- Revenue
- $104,860
- Expenses
- $134,768
- Assets
- $122,562
- Liabilities
- $46,000
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
3 people listed
People named in this filing
- Brian Marchal (Chief Polar Bear)
- Kevin Marchal (Treasurer)
- Nathan Marchal (Secretary)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The Lakeview Polar Bear Club's mission is to help hardworking families who are struggling financially due to unfortunate and unanticipated circumstances such as medical conditions, accidents, and homelessness. The Lakeview Polar Bear Club extends a helping hand to families who may have nowhere else to turn for support.
What it reported doing in 2025
The LPBC provided $126,580 in financial grants across 30 families to help with housing, medical costs and day to day expenses. The list of families was provided on Schedule O for Line 10.
Operating model
- Revenue model
- Donor-supported. 100% of the money available for current operations came from contributions and gifts.
- Distribution model
- Grant intermediary. The nonprofit sent 100% of its reported program spending out as grants.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 98
- Transparency & Controls: 100
- Sustainability: 27
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 93.9%; rating input score 94
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
Sustainability
- Operating margin: -28.5%; rating input score 4; 4th percentile among comparable filings
- Total-asset coverage ratio: 0.91; rating input score 56; 56th percentile among comparable filings
- Liabilities to assets ratio: 0.38; rating input score 11; 11th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: 31.9% per year; rating input score 100; 84th percentile among comparable filings
- Revenue growth: 6.2% per year; rating input score 100; 50th percentile among comparable filings
- Asset growth: 8.5% per year; rating input score 100; 54th percentile among comparable filings
Details
- Where the money goes: 100% of revenue deployed · 93.9% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $127K in reported program spending
- Leadership: top reported pay $0 · 3 people listed
- Consistency: 9 of 9 current checks pass
- Schedules: 3 filed schedules
- Filing history: 4 filing years from 2022 to 2025
- Contacts: How to reach this organization
- Money network: Resolved incoming and outgoing counterparties from filed money flows.
- Related organizations: Filed and resolved organization relationships.
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Sustainability: Operating margin scored 4/100.
- Review — Sustainability: Total-asset coverage ratio scored 56/100.
- High — Sustainability: Liabilities to assets ratio scored 11/100.