{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-001003","form_type":"8-K","ticker":"CCFN","cik":"0000731122","company_name":"MUNCY COLUMBIA FINANCIAL Corp","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.254118+00:00","generated_at":"2026-05-18T05:52:36.327026+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Muncy Columbia Financial Q2 net income $5.77M, EPS $1.63, up 23% YoY","bullets":["Net income $5.768M ($1.63 diluted EPS) vs $4.707M ($1.32) in Q2 2024; six-month net income $10.113M ($2.86) vs $8.743M ($2.45).","Net interest income $14.808M, up $2.448M YoY; net interest margin (FTE) improved to 4.04% from 3.43%.","ROA 1.44% and ROE 13.33% vs 1.20% and 12.28% a year ago; book value per share $49.87 vs $47.11 at Dec 2024.","Non-performing assets rose to $13.844M (0.86% of assets) from $10.117M (0.63%); provision for credit losses increased to $254K from $29K.","Total cash dividends of $0.95 per share paid in Q2 2025, including a $0.50 special dividend, vs $0.44 in Q2 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-001003","json":"https://secwatch.observer/filing/0001174947-25-001003.json","markdown":"https://secwatch.observer/filing/0001174947-25-001003.md","text":"https://secwatch.observer/filing/0001174947-25-001003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731122/000117494725001003/0001174947-25-001003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731122/000117494725001003/form8k-34477_mcfc.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:52:36.327026+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}