---
schema_version: "secwatch.filing_event.v1"
accession: "0001999371-25-004513"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:46:14.695644+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Q1 net income $4.3M ($1.23/sh) up 7.7% YoY; declares $0.50 special dividend

## Summary
- Net income of $4.345M ($1.23/sh) vs $4.036M ($1.13/sh) in Q1 2024; ROAA 1.10% and ROAE 10.33%.
- Net interest income up $1.933M to $13.868M; NIM expanded to 3.83% from 3.32%.
- Non-interest expense rose $1.445M to $11.091M, including $1.295M one-time costs for Executive Chairman retirement.
- Special one-time cash dividend of $0.50/sh declared, payable May 22 to holders of record May 6, 2025.
- Non-performing assets increased to $12.3M (0.77% of assets) from $10.1M (0.63%) on higher non-accrual loans.

## SEC filing metadata
- accession: 0001999371-25-004513
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2025-04-22T23:59:59+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/731122/000199937125004513/0001999371-25-004513-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000199937125004513/muncy-8k_042225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001999371-25-004513
- JSON: https://secwatch.observer/filing/0001999371-25-004513.json
- Plain text: https://secwatch.observer/filing/0001999371-25-004513.txt

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