---
schema_version: "secwatch.filing_event.v1"
accession: "0001999371-24-008842"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2024-07-19T23:59:59+00:00"
generated_at: "2026-05-31T19:22:09.948588+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q2 net income $4.7M ($1.32/sh) vs $1.5M ($0.71) in Q2 2023

## Summary
- Q2 net income $4.707M ($1.32 EPS) vs $1.462M ($0.71 EPS) in Q2 2023; 6-month net income $8.743M ($2.45 EPS).
- Return on assets 1.20% and return on equity 12.28% for Q2 2024, up from 0.71% and 7.63% in Q2 2023.
- Fully-tax equivalent net interest margin improved to 3.36% for H1 2024 from 2.32% in H1 2023.
- Total deposits increased $52.1M as Bank migrated customer repurchase agreements to core deposits; short-term borrowings decreased $36.6M.
- Book value per share $44.11 at June 30, 2024 vs $43.08 at Dec 31, 2023; equity-to-assets ratio 9.90%.

## SEC filing metadata
- accession: 0001999371-24-008842
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2024-07-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000199937124008842/0001999371-24-008842-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937124008842/muncy-8k_071924.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-24-008842
- JSON: https://secwatch.observer/filing/0001999371-24-008842.json
- Plain text: https://secwatch.observer/filing/0001999371-24-008842.txt

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