---
schema_version: "secwatch.filing_event.v1"
accession: "0002077096-25-000166"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2025-10-17T23:59:59+00:00"
generated_at: "2026-05-17T03:29:01.795897+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q3 net income up 33% to $1.90 per share; net interest margin expands to 4.15%

## Summary
- Net income $6.7M ($1.90/diluted share) vs $5.1M ($1.42) in Q3 2024, up 33%.
- Net interest margin (FTE) 4.15% vs 3.48%; net interest income rose $2.9M to $15.7M.
- Non-performing assets increased to $15.5M (0.94% of assets) from $10.1M, due to higher non-accrual loans.
- Book value per share $52.17 vs $47.11; equity/assets ratio 11.15% vs 10.43%.
- Third quarter dividend $0.45/share (up $0.01); nine-month dividends $1.85 inclusive of $0.50 special.

## SEC filing metadata
- accession: 0002077096-25-000166
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2025-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000207709625000166/0002077096-25-000166-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000207709625000166/ea0261620-8k_muncy.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002077096-25-000166
- JSON: https://secwatch.observer/filing/0002077096-25-000166.json
- Plain text: https://secwatch.observer/filing/0002077096-25-000166.txt

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