An electorate that is less white, with more immigrants, and with many fewer church-goers spells a run of bad times for the Republican Party, per Carlson. He indicated he expected the GOP to change, dramatically, to adjust to new demographic realities. But he offered no timetable.

Carlson, incidentally, was not optimistic that there would be easy or quick solutions to the so-called “fiscal cliff” issue now consuming Washington, D.C. He did seem to think Republicans would give on more taxes for the wealthy but he did not appear to see a path to controlling entitlements spending that would leave both parties happy. * Hispanics Are the Credit Union Future – at least in California and Nevada, both of which have large Hispanic populations that today are heavily unbanked or underbanked but who will embrace credit union services when institutions reach out, said Miriam De Dios, CEO of Des Moines, Iowa-based Coopera, a consulting organization owned by the Iowa Credit Union League and committed to developing more Hispanic involvement in the nation's credit union movement.

De Dios gave her talk a day before Carlson – but in many ways she set the stage for his remarks. Hispanics, she noted, had made a huge difference in the 2012 presidential election – and they can do the same with many credit unions, she indicated.

The key, according to De Dios: credit unions need to decide they want to pursue that market, then pursue it properly (with bilingual staff, Spanish language materials, etc.) * EMV Coming At You Via CO-OP

Stan Hollen, CO-OP Financial Services' CEO, in brief remarks put concrete parameters around his company's rollout of EMV, the PIN-and-chip security upgrade planned for credit cards over the next few years, according to timetables from Visa and MasterCard. “We are taking a phased approach.” CO-OP, Hollen said, has an EMV rollout on its road map, but “the magnetic stripe will remain on cards for eight to 10 years.”

He said that CO-OP will go live with an EMV pilot “by year end.”

He also warned that EMV cards – which come with a computer chip and software – “are much more expensive, approaching $5 per card.” * Consumers Don't Get the Credit Union Message. In a blistering talk where speaker-researcher Neil Goldman accentuated the positive at every turn – “consumers are angry at banks, this opens a lane for credit unions,” he said – Goldman also acknowledged that in lots of ways focus group research underlines that most consumers do not think they can join credit unions, they are clueless about the shared ATM network, and many of them think credit unions lag way behind in embracing the technologies younger consumers want (mobile banking, mobile remote deposit capture in particular).

The takeaway from Goldman's talks: banks have dropped the ball but it is up to credit unions to pick it up and run with it and, so far, they haven't. A lot of consumer outreach and education has to occur for credit unions to truly seize the initiative of Bank Transfer Day, suggested Goldman.