Eric Judkins appeals from his conviction for bank robbery and interstate transportation of stolen property, 18 U.S.C. §§ 2113(a), 2314 (1994). Judkins argues that the evidence was neither sufficient to show: (1) that the bank involved, the Gateway Credit Union, was federally insured, nor (2) that it was a "Federal credit union" or a "State-chartered credit union" within the meaning of 18 U.S.C. § 2113. The second argument assumes the legal principle, denied by the government, that the government must show more than that the bank was federally insured. We affirm.

The Gateway Credit Union is a credit union located in Hudson, New Hampshire. On May 7, 1999, at approximately 2:00 p.m., Gateway was robbed of approximately $21,000. A bank employee testified at trial that Gateway's deposits are federally insured by the National Credit Union Administration ("NCUA"). She read Gateway's state charter number into the record, then described the bank's loss calculation. At trial, Judkins did not challenge the sufficiency of the evidence as to federal insurance, or as to the state-chartered status. On October 20, 1999, the jury convicted Judkins of bank robbery in violation of 18 U.S.C. § 2113 and interstate transportation of stolen property in violation of 18 U.S.C. § 2314. The district court sentenced Judkins to a 210-month term for bank robbery to run concurrently with a 120-month term for interstate transportation of stolen property.

Because Judkins failed to raise a lack of sufficiency claim at the district court, he has waived this argument on appeal unless his conviction is "clearly and grossly unjust." United States v. Neal, 36 F.3d 1190, 1207 (1st Cir. 1994) (citing United States v. Lopez, 709 F.2d 742, 746 (1st Cir. 1983)). That he cannot do. Taking the evidence in favor of the government, it was sufficient. United States v. Alicea, 205 F.3d 480, 483 (1st Cir. 2000).

Judkins first argues the government failed to present sufficient evidence that Gateway was federally insured on May 7, 1999, the date of the robbery, as opposed to at the date of trial. Proof of federal insurance at the time of the robbery is an essential element for conviction under 18 U.S.C. § 2113. See United States v. Johnson, 71 F.3d 139, 142-43 (4th Cir. 1995); United States v. Brunson, 907 F.2d 117, 118-119 (10th Cir. 1990). To prove the federally-insured status of Gateway, the government elicited uncontradicted testimony from Rolande Suchocki, the manager and treasurer of Gateway. Suchocki testified that Gateway is a credit union, is federally insured, and is a member of NCUA.

While it would have been far better if the testimony had been focused on the bank's status on the date of the robbery, that evidence suffices under this highly deferential standard of review. See, e.g., United States v. Rangel, 728 F.2d 675 (5th Cir. 1984) (assistant vice president of credit union's testimony in robbery trial that the union "is" federally insured by NCUA is sufficient to allow inference that it was insured at the time of the offense, which occurred about two years prior to the trial); United States v. Knop, 701 F.2d 670, 672-73 (7th Cir. 1983) (bank president's testimony that bank "is" insured allowed a reasonable jury inference that it was insured at the time of the offense, which occurred roughly two years before the trial).1

Judkins also argues that the government lacked sufficient evidence to prove that Gateway was either a federal credit union or a state-chartered credit union, and that such a showing is required by 18 U.S.C. § 2113. This statute defines a credit union as "any Federal credit union and any State-chartered credit union the accounts of which are insured by the National Credit Union Administration Board. . . . The term 'State-chartered credit union' includes a credit union chartered under the laws of a State of the United States . . . ." 18 U.S.C. § 2113(g). The legal premise of the argument is that the government has to show, beyond the federal insurance, that the bank is also either a federal credit union or a state-chartered one. Judkins' legal argument, which the government disputes, is waived because it was not presented below.

The evidence here suffices even were Judkins's legal argument accepted. Suchocki testified to Gateway's federal insurance and read its state charter number into the record. Judkins argues that because the government neglected to elaborate on the significance of the state charter number, it failed to sustain its burden. We disagree. "Chains of inference are a familiar, widely accepted ingredient of any process of ratiocination. This method of reasoning, commonly called logic, is regularly relied upon in the realm of human endeavor, and should not be forbidden to a criminal jury." United States v. Spinney, 65 F.3d 231, 238 (1st Cir. 1995). Here, the testimony of Suchocki coupled with the state charter number permits an inference that Gateway was a state-chartered credit union with federal insurance. Viewing this evidence in the light most favorable to the verdict, we cannot say the conviction is "clearly and grossly unjust."

Affirmed.