It doesn't stop there. I could go on and tell you about twenty-somethings in Dallas who are too content with their real friends to bother with Facebook or young adults in Brooklyn who don't own a computer.

By the same token, some young people lose their mind when Twitter goes down for an hour. But that's not because they're young. It's because they have a borderline personality disorder.

Don't get me wrong, the Internet is a cultural force responsible for significant cross-generational changes, but it's not a blanket.

Stereotype No. 2: We don't respect older generations.

I spent my time at CUNA's Governmental Affairs Conference this year with a group of under-30 credit union professionals. We called ourselves the Crashers after deciding that regardless of cost or logistical barriers, we were going to find a way to crash, to be a part of, the conference. We ended up staying in a D.C. hostel, which is another story altogether.

One of the most amazing things about our week at the GAC was spending time with pioneers of the industry.

Tossing around trendy buzzwords like “social marketing” is one thing, but after hearing Larry Blanchard discuss mobilizing 2.4 million people to get HR 1151 passed, a law that might have kept our movement afloat, we realized we knew squat about what going viral really means.

We have so much to learn from those who have been here before us. There's a lot of room for mentorships in this industry. Please don't mistake our ambition for recklessness or disregard. We just want go deep, work hard, and learn from older generations as soon as we can.

Stereotype No. 3: Our passions revolve around “what works with Gen Y.”

Some colleagues and I recently noticed that when you put seasoned credit union professionals in a room with younger credit union people, it's only a matter of time before the exchange turns back to how to reach Gen Y. We'd love to get past that and dig into meatier issues.

For example: Robbie Wright is 27 and runs the product development consultancy CU Innovators. He is passionate about credit union collaboration, emerging payment methods, and the implications of an open source core processor.

For example: Mackenzie Snyder is 22, another “Crasher,” and the Latino Market Research Specialist from Consumers Credit Union. She loves Latin culture and is fascinated by the work WOCCU is doing in developing countries. She wants learn how to make American credit unions better for hispanic immigrants.

For example: I'm 27, and spend way too much time thinking about how design and storytelling effect the way people feel and behave.

I could go on and on.

Research & Relationships

A very effective way to avoid and destroy stereotypes is through regular interaction.

I understand that a conversation with someone you don't quite know or understand can be scary or uncomfortable. So it makes sense that in trying to learn what makes Gen Y tick, many older credit union employees would rather learn through research reports, business books and conference breakout sessions.

While I'm not discounting the importance of research (after all, I work for a research organization), it's important to understand that this information is like a set of blueprints. A blueprint can show you that a house has three bedrooms, 12 windows, a den and a kitchen. Now you've begun to see the house. But until you've spent time in the house, you won't learn that the best spot for hide-'n'-seek is behind the stairs and the guest bedroom fills with sunlight every day at noon.

The best way to get inside of the heads of young members, young employees or anyone for that matter, is to step through the door and build a relationship.

Changes & Constants

“The children now love luxury. They have bad manners, contempt for authority; they show disrespect for elders and love chatter in place of exercise.”

You know who said that? A cantankerous old Plato.

Cultural specifics, the window dressing, change over time – Elvis Presley becomes Michael Jackson becomes Lady Gaga and a flapper's bob becomes a headbanger's mop becomes punk's mohawk. But the roots and sentiments behind these changes are constant. The idealism and optimism of youth outlives each generation.

There's a lot to do in our movement. The sooner our collective generations start learning about and from each other, the sooner we can take it on together.