secwatch.observer — SEC 8-K summary
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Issuer:     MUNCY COLUMBIA FINANCIAL Corp (CCFN)
CIK:        0000731122
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0001999371-25-000560
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731122/000199937125000560/0001999371-25-000560-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731122/000199937125000560/ccfn-8k_012225.htm
  HTML page:      https://secwatch.observer/filing/0001999371-25-000560

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