When you are creating your skin, you can also modify this a couple of ways. First, you can put this value in the skin.xml file.
<Object>
<Token>[USER]</Token>
<Settings>
<Setting>
<Name>Text</Name>
<Value>Your Value</Value>
</Setting>
</Settings>
</Object>
The other way is only applicable when you are creating skins using the User Control method.
<dnn:USER runat="server" id="dnnUSER" text="Your Value" />