Risks and Rewards: What Crypto, Governmental Chaos and AI Mean for Credit Unions (Part 2)
22 Minutes in Lending · 2026-01-12 · 19 min
Episode notes
In the second part of our conversation with Defense Credit Union Council (DCUC) president and CEO, Tony Hernandez, we explore what the future holds for credit unions in an ecosystem dominated by crypto, governed by unpredictable legislators, and disrupted by increasingly savvy innovators. Highlights: 00.30: Tony discusses the Genius Act, Stablecoin, and his concerns that modern financial innovations could simply bypass the credit union system. 03.36: The liquidity risks presented by the $84T generational wealth transfer if it happens within crypto or more modernized financial systems that credit unions haven't yet adopted. 05.33: Lessons learned from the latest (and longest) government shutdown, and how credit unions and any federally-employed members should prepare for the next one. 13.19: How DCUC is working to support smaller credit unions and ensure their survival, growth, and integration into the legislative conversation. 15.04: What the future holds for the credit union system and where DCUC can play a role in shaping it. Links:
More from 22 Minutes in Lending
All episodes →- 22 Minutes on The Big Beautiful Bill + Student Loans78 / 100
- 22 Minutes on the Proposed 10% Credit Card Interest Rate Cap76 / 100
- The Credit Union Thread: Why Staying On Mission Matters67 / 100
- A Second Voice for the System: How DCUC Offers Credit Unions a Choice (Part 1)
- Reimagining NACUSO