CAMBRIDGE, Mass. – The size of a credit union member's wallet has some relationship to how he or she uses the online channel, according to Forrester Researcher's sweeping Technographics study of American consumers. Certainly, access to broadband makes a difference (very few elderly people of lesser means use the speedy channel, for instance), but there also are differences in how financial products are used, too. Here are some tables showing results from the think firm's latest study of data from more than 47,000 households. For this report, the analysts divided the public into three categories: Mainstream (consumers with less than $100,000 in investable assets, representing 72% of the population, two-thirds of them younger than 55); Mass Affluent (consumers with $100,000 to $1 million in investable assets, representing 25% of the population, with the largest group of them between the ages of 40 and 54), and Affluent (those with more than $1 million, the largest group of whom are between the ages of 55 and 69).