I'll do my best to stay on topic of the Original Poster's fishroom or fishrooms in general...
The OP and I have both found that even though the average ambient temperature of the fishroom is (for example) 80*F, the aquarium water is cooler, with the OP's being much cooler than mine. I mentioned a few reasons I could think of for this (cold wall behind the tanks, draft on the tanks), but please add to this list if you have any ideas. Especially as I've already reviewed my ideas and they are not the cause.
I understand what you're saying about the water heating up slower than the air when using a heat source in the air and not the water, but in my case the fishroom hasn't been below 78* (including overnight) since April and the daily average has been has been above 80*F as well (overnight included in average). If the same is not true for the OP, then we may have just discovered his/her problem. The OP said his/her fishroom was heated to about 78*F but the water was around 68*F (mine water is consistently 78*F)
The only heat source I am using at this point is a large dehumidifier. I know they use a lot of power but since it serves a dual purpose (dehumidifying & heating), I felt it is worth the expense. I suggest considering it for anyone else with a fishroom. The dehumidifier is only used in the cold season when heat is needed.
My fishroom is still new (bought the house in April) and I still plan to add hardwired electrical and heating/cooling. I know insulation is critical and I'm pleased with my insulation job, I can only assume the OP considered this as well (if not...) So any general suggestions you have I would love to hear. Again, since this is Dory's thread I want suggestions to be valuable to him/her as well as anyone else following.
I hope you have fun up North, stay safe.