---
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"
generated_at: "2026-05-27T21:28:36.181124+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q4 net income $5.2M, EPS $1.47; FY EPS $5.33

## Summary
- 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.

## SEC filing metadata
- 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
- 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/731122/000199937125000560/0001999371-25-000560-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937125000560/ccfn-8k_012225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-25-000560
- JSON: https://secwatch.observer/filing/0001999371-25-000560.json
- Plain text: https://secwatch.observer/filing/0001999371-25-000560.txt

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