secwatch.observer — SEC 8-K summary
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Issuer:     MUNCY COLUMBIA FINANCIAL Corp (CCFN)
CIK:        0000731122
Form:       8-K
Filed at:   2025-07-18T23:59:59+00:00
Accession:  0001174947-25-001003
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731122/000117494725001003/0001174947-25-001003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731122/000117494725001003/form8k-34477_mcfc.htm
  HTML page:      https://secwatch.observer/filing/0001174947-25-001003

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