---
schema_version: "secwatch.filing_event.v1"
accession: "0001999371-24-005071"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2024-04-23T23:59:59+00:00"
generated_at: "2026-06-03T12:52:35.311610+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Q1 net income $4.0M ($1.13 EPS) vs $1.9M ($0.93) YoY; NIM expands to 3.32%

## Summary
- Net income $4,036,000 ($1.13 diluted EPS) vs $1,940,000 ($0.93) in Q1 2023.
- Fully-tax equivalent NIM 3.32% vs 2.41% YoY; ROAA 1.02% vs 0.82%.
- Sold $50.3M AFS securities to pay down FHLB borrowings; realized loss $8,000.
- Non-performing assets rose to $7.3M from $4.5M, primarily one $2.2M real estate loan; bank expects no credit loss.
- Book value per share $43.35 vs $43.08; quarterly dividend increased to $0.44 from $0.42.

## SEC filing metadata
- accession: 0001999371-24-005071
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2024-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000199937124005071/0001999371-24-005071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937124005071/muncy_8k-042324.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-24-005071
- JSON: https://secwatch.observer/filing/0001999371-24-005071.json
- Plain text: https://secwatch.observer/filing/0001999371-24-005071.txt

## Key facts
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported first quarter 2024 results: net income $4,036,000, EPS $1.13.
  - Period: first quarter 2024
  - Net income: $4,036,000
  - EPS: $1.13
  - Result: reported results
  source text: Muncy Columbia Financial Corporation Reports First Quarter 2024 Earnings
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000199937124005071/0001999371-24-005071-index.htm

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