That leaves just Matz and Republican Fryzel to reach unanimous agreement on all new board proposals for the next nine months. In the past, the two have voted in sync, with Hyland casting the opposing vote. However, in the months leading up to the election, Fryzel has voiced opposition to some of Matz's proposals. It is uncertain whether Fryzel was positioning himself for a possible chair position should Mitt Romney have won, or if he truly opposes the measures, which include a controversial rule that gives the NCUA more authority over CUSOs.

Very few names have been mentioned as being considered by the White House to fill the posts. Former NCUA Board Member and Democrat Geoff Bacino is one potential candidate. Other names, like former BECU CEO Gary Oakland and former CUNA CEO and Democrat Dan Mica were floated in 2011 when Hyland's term expired, but they have not been mentioned much this year. Capitol Hill veterans say Obama may select a wild card for the Democratic post, like somebody who helped him win re-election by successfully campaigning or fundraising in a swing state.