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Why Salus
Gen Z Will Be The Biggest Adult Generation in the U.S. in 2030
5
Years
2
Months
15
Days
Does your credit union meet Gen Z where they are? Or are you losing them to neobanks?
Neobanks Beat Credit Unions For Gen Z Growth in 2025
All Credit Unions Combined
+2.7 million
members
Chime, Cash App, & Dave
+3.6 million
members
75%
Gen Z/Millennial
Three fintech neobanks grew more in 2025 than every credit union combined, with growth skewed to younger members.
How Neobanks Win With Gen Z (In Their Own Words)
"
We differentiate by first addressing members' most crucial need - liquidity - and then building long-term banking relationships.
Dave
4Q25 Earnings Call
"
Neobanks grab Gen Z direct deposit relationships with products like microloans, earned wage access, and credit building through rent reporting.
Credit Unions Win With Gen Z When They Offer Microloans
What percentage of borrowers grow credit union deposits one year after getting a microloan?
All Borrowers
65%
Millennials
70%
Gen Z
90%
Credit unions that offer microloans are deepening Gen Z relationships by meeting young members with the products they need.
Winning With Gen Z Starts Today
"
We need to be offering these products and services to fulfill our mission. At the end of the day, the risk of not taking action on this is greater than the risk of moving forward.
Traci Michel
COO, Metro Credit Union
"
How Do I Get My Credit Union Started?
- Microloans
- Rent Reporting
- Earned Wage Access
- Predictive Analytics