---
schema_version: "secwatch.filing_event.v1"
accession: "0001174947-26-000491"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2026-04-20T23:59:59+00:00"
generated_at: "2026-05-15T05:25:17.929826+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Q1 net income $7.2M ($2.02 EPS) up 65% YoY; declares special $1.00 dividend

## Summary
- Net income $7.16M ($2.02 diluted EPS) vs $4.35M ($1.23) YoY; ROAA 1.72% vs 1.10%.
- Net interest margin widened to 4.33% from 3.83%; provision for credit losses $69K.
- Sold $9.1M of delinquent mortgage loans for $9.1M, booking $714K pretax loss.
- Non-performing assets fell to 0.55% of assets from 0.72%; special $1.00 dividend declared.

## SEC filing metadata
- accession: 0001174947-26-000491
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2026-04-20T23:59:59+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/731122/000117494726000491/0001174947-26-000491-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000117494726000491/form8k-35747_ccfn.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000491
- JSON: https://secwatch.observer/filing/0001174947-26-000491.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000491.txt

## Key facts
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported first quarter 2026 results: net income $7,156,000, or $2.02 per share, EPS $2.02 per share.
  - Period: first quarter 2026
  - Net income: $7,156,000, or $2.02 per share
  - EPS: $2.02 per share
  - Result: reported results
  source text: Net income, as reported under accounting principles generally accepted in the United States of America ("GAAP"), for the first quarter 2026 was $7,156,000, or $2.02 per share, compared to $4,345,000, or $1.23 per share, for the first quarter 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000117494726000491/0001174947-26-000491-index.htm

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