{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000064","form_type":"8-K","ticker":"CCFN","cik":"0000731122","company_name":"MUNCY COLUMBIA FINANCIAL Corp","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.607901+00:00","generated_at":"2026-05-16T09:25:03.388489+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Muncy Columbia Financial posts record Q4 net income of $7.4M; EPS up 42% YoY","bullets":["Q4 2025 net income $7.39M ($2.09/share) vs $5.22M ($1.47/share) in Q4 2024, a 42% increase.","Full-year 2025 net income $24.23M ($6.85/share) vs $19.02M ($5.33/share) in 2024, a 27% increase.","Net interest margin expanded to 4.27% from 3.63% in Q4 2024; net interest income up $2.88M to $16.27M.","Recorded a $4,000 credit for credit losses vs $567,000 provision in Q4 2024; NPA ratio 0.72% of assets, down from Q3 2025.","Book value per share $54.44 (up from $47.11); 2025 dividends of $2.30/share incl. special $0.50."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000064","json":"https://secwatch.observer/filing/0001174947-26-000064.json","markdown":"https://secwatch.observer/filing/0001174947-26-000064.md","text":"https://secwatch.observer/filing/0001174947-26-000064.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731122/000117494726000064/0001174947-26-000064-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731122/000117494726000064/form8k-35152_mcfc.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:25:03.388489+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"}