---
schema_version: "secwatch.filing_event.v1"
accession: "0001999371-24-013583"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2024-10-18T23:59:59+00:00"
generated_at: "2026-05-30T12:55:19.596546+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q3 net income $5.1M ($1.42/sh), up from $1.2M ($0.56/sh) YoY

## Summary
- GAAP net income $5,056,000 ($1.42 per share) for Q3 2024 vs $1,171,000 ($0.56 per share) in Q3 2023.
- Nine-month net income $13,799,000 ($3.86 per share) vs $4,573,000 ($2.20 per share) prior year.
- Fully-tax equivalent net interest margin improved to 3.40% for nine months vs 2.29% prior year.
- ROAA 1.26%, ROAE 12.34% for Q3 vs 0.63% and 6.78% a year ago.
- Total assets $1.607B; book value per share $47.35; non-performing assets 0.53% of total assets.

## SEC filing metadata
- accession: 0001999371-24-013583
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2024-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000199937124013583/0001999371-24-013583-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937124013583/muncy-8k_101824.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-24-013583
- JSON: https://secwatch.observer/filing/0001999371-24-013583.json
- Plain text: https://secwatch.observer/filing/0001999371-24-013583.txt

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