Consumers between the ages of 18 and 34 are distrustful of banks, and some are finding solace with community-oriented credit unions. "Lower-affluent Millennials are incredibly distrustful of financial institutions, so there's a big opportunity for credit unions to play into that," says Maureen Burns, a partner in Bain & Company's Financial Services practice in Boston. Those who do have some wealth, however, rely even more heavily on digital capabilities that, Burns says, can be hard for credit unions to provide at a level higher than that of major banks.