{"schema_version":"secwatch.filing_event.v1","accession":"0001999371-25-000560","form_type":"8-K","ticker":"CCFN","cik":"0000731122","company_name":"MUNCY COLUMBIA FINANCIAL Corp","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.224598+00:00","generated_at":"2026-05-27T21:28:36.181124+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Muncy Columbia Financial Q4 net income $5.2M, EPS $1.47; FY EPS $5.33","bullets":["Q4 2024 net income $5,224,000 ($1.47/share) vs net loss $1,186,000 ($0.41 loss) in Q4 2023.","Full-year 2024 net income $19,023,000 ($5.33/share) vs $3,387,000 ($1.49) in 2023; ROAA 1.30% vs (0.35%).","Net interest margin (FTE) 3.46% for 2024 vs 2.34% for 2023; equity/assets ratio 10.43% vs 9.38%.","Non-performing assets rose to $10.1M (0.63% of assets) from $8.6M (0.53%) at Sep 30, 2024, driven by non-accrual loans.","Book value per share $47.11 at Dec 31, 2024 vs $43.08 a year ago; dividends $1.76/share vs $1.71."],"urls":{"canonical":"https://secwatch.observer/filing/0001999371-25-000560","json":"https://secwatch.observer/filing/0001999371-25-000560.json","markdown":"https://secwatch.observer/filing/0001999371-25-000560.md","text":"https://secwatch.observer/filing/0001999371-25-000560.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731122/000199937125000560/0001999371-25-000560-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731122/000199937125000560/ccfn-8k_012225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:28:36.181124+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}