---
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"
generated_at: "2026-05-16T09:25:03.388489+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial posts record Q4 net income of $7.4M; EPS up 42% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000064
- JSON: https://secwatch.observer/filing/0001174947-26-000064.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000064.txt

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