1. Gen-Y Survey
CUNA Lending Council Conference, 2012
Research Performed By:
Brooke Cummings, Laura Eblen, Mike London, Jennifer Pollastro, Matt Vance, Abbey Welch

2. Sample Age Distribution
Age Distribution
50
45
40
35
30
Frequency
25
20
15
10
5
0
20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 +
Age Band

3. Geographic Distribution
Number of Responses
20
4
1

4. Level of Education
Education
100.00%
90.00%
80.00%
70.00%
60.00% Vocational
No Response
50.00% Masters
High School
40.00%
Bachelors
Associates
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y

5. Employment Status
Employment
100.00%
90.00%
80.00%
70.00%
60.00%
Unemployed
50.00% Student
Part Time
40.00%
Full Time
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y

6. Were you, or someone you know affected by the Recession?
Loss of Job? Bankruptcy
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
Foreclosure/Short Sale? No Affect?
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
Yes No

7. Mortgage Loan Usage
Mortgage Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Mortgage Loan
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

8. Auto Loan Usage
Auto Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Auto Loan
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7
Yes No 1 is “Not Likely”, 7 is “Very Likely”

9. Student Loan Usage
Student Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Student Loan
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

10. Credit Card Usage
Credit Card
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Credit Card
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

11. Personal Loan Usage
Personal Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Personal Loan
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

12. Non-Traditional Loan Usage
Non-Traditional (Friend/Family) Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Non-Traditional (Friends/Family) Loans
80
70
60
50
40
30
20
10
0
Gen-Y Non-Gen-Y
1 2 3 4 5 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

13. Payday Loan Usage
Payday Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
Payday Loan
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Gen-Y Non-Gen-Y
1 2 6 7 (blank)
Yes No 1 is “Not Likely”, 7 is “Very Likely”

14. Savings Vehicle Usage
Savings Certificates of Deposit
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
IRA/401k Stocks/Bonds/Investments
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
Yes No

15. Why do they save?
Emergency/Rainy Day Fund Savings for Big Purchases
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
Retirement Does Not Save
100.00% 100.00%
80.00% 80.00%
60.00% 60.00%
40.00% 40.00%
20.00% 20.00%
0.00% 0.00%
Gen-Y Non-Gen-Y Gen-Y Non-Gen-Y
Yes No