Credit unions need to focus their efforts in 2013 on bringing younger people into the CU-and not just as members.

With more than $1 trillion in purchasing power, the U.S. Hispanic community will garner more FI attention in 2013, especially in terms of small business offerings and prepaid reloadable debit, predicts Miriam De Dios.

Expect 2013 to be another strong year of member growth, forecasts Stan Hollen, who recommends credit unions focus on ROA-driving strategies to offset all of the deposits coming in from the new sign-ups.

Expect continued consolidation of loan origination systems this year.

As an industry, CUs in 2013 need to begin planning for how they will do business in an era in which their tax exemption is taken away.

Credit unions will improve operational efficiency and member satisfaction in 2013 with ICL deposits, according to Matthew Gniech.

Credit unions will need to become even more aggressive lenders in 2013, not only to take advantage of rising consumer confidence and less deleveraging, but to ward off some other challenges heading their way.

While there may be good news on the economy in 2013, the same can't be said of regulation, according to Dennis Dollar.

It may be a new year, but for credit unions it's going to mean an old focus in order to grow: make more loans.

Mobile will continue its growth as a dominant channel in 2013, but one observer says consumer habits will increasingly be shifting from smart phone usage to increased tablet usage.

Credit unions making plans for 2013 might want to pay attention to some trend data released during late 2012.

As the housing market goes, so goes the economy. Therefore credit unions located in some of the hardest-hit economic areas of the country should enjoy improved bottom lines this year.

The Treasury Dept. has released its Notice of Funding Availability (NOFA), which announces funding available through grants to qualified community development financial institutions (CDFIs).

Credit unions in 2013 will do a better job of tapping the income opportunities that come with connecting lending and insurance, according to Jeff Chesky.

Credit unions would be well advised to tackle the awareness gap in 2013.

As if the regulatory compliance burden facing credit unions has not been big enough, expect it to be even bigger in 2013.

Looking for a little relief from margin compression? Don't look for it in 2013. Looking for what to do about it? Look to members and new pricing models, according to one analyst, who predicts margins will be even tighter this year.

Too many credit unions focus on the rick and compliance pieces of enterprise risk management (ERM), and not on the opportunities the process can present.

Mobility, product differentiation-and Advil-will be key for credit unions in 2013, as they compete not just against the big banks, but also other CUs and new entrants into a changing payments landscape.

The trend toward consumers leaving big banks and taking their checking accounts with them will continue in 2013. But that's not where the best opportunity lies to add new checking accounts, reminded one expert.