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Research Report

The Zillennial Opportunity: Credit Unions’ Traditional Investing Imperative in the Crypto Age

Unlock the $2 Trillion Zillennial Investing Opportunity

 

Credit unions are losing deposits—but gaining a massive opportunity. New research from Cornerstone and InvestiFi reveals how Zillennials (Gen Z + Millennials) are redefining the way money moves, grows, and stays.

The shift is already happening:

  • $2 trillion+ moved from traditional accounts to fintech investing platforms since 2020
  • 56% of new checking accounts now go to fintechs—not banks or credit unions
  • Only 1 in 5 Zillennials uses a credit union for checking—6 in 10 use fintechs

 

This isn’t churn—it’s a migration of the financial relationship. And the competition isn’t Merrill Lynch—it’s Robinhood and Coinbase.

 

The institutions that win won’t just protect deposits—they’ll capture the next dollar earned.

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What You’ll Learn in This Report

  • Why Zillennials are rapidly moving deposits out of credit unions
  • How fintechs like Robinhood and Coinbase out-compete credit unions
  • Why integrated traditional + crypto investing is now mandatory
  • The strategic importance of stablecoins after the Genius Act
  • The strategic importance of stablecoins after the Genius Act
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About Cornerstone Advisors

For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven solutions to build smarter banks, credit unions and fintechs. From technology system selection and implementation to contract negotiations, vendor management, performance improvement programs, strategic planning, merger integration and enterprise program management, Cornerstone combines its expertise with proprietary data and research to help financial institutions thrive in today’s challenging environment. For more information, visit www.crnrstone.com, connect with us on LinkedIn and Youtube, and subscribe to GonzoBanker® for our opinionated take on all things banking.