---
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"
generated_at: "2026-05-18T05:52:36.327026+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q2 net income $5.77M, EPS $1.63, up 23% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-25-001003
- JSON: https://secwatch.observer/filing/0001174947-25-001003.json
- Plain text: https://secwatch.observer/filing/0001174947-25-001003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.