## Facts

- Two disguised robbers held up the Mid-American Credit Union (MACU) in Kansas City, Kansas, taking $4,966.09 and a Colt Diamondback .38 revolver from a security guard.
- The government charged Randolph R. McNeal (also known as “Bobby” McNeal) and his brother Terry Lee McNeal with armed robbery of MACU, a state-chartered credit union, under 18 U.S.C. § 2113(a) and (d).
- The government also charged each brother with using a firearm during the robbery under 18 U.S.C. § 924(c) (a separate count tied to each defendant).
- Federal jurisdiction for a robbery of a state-chartered credit union required proof that the institution fell within 18 U.S.C. § 2113(h), which refers to a credit union whose “accounts” are insured by the National Credit Union Administration (NCUA).
- The indictment alleged that MACU’s “deposits” were insured by the NCUA, instead of using the statutory term “accounts.”
- At trial, the government offered an NCUA insurance certificate that listed MACU’s predecessor institution, along with testimony that MACU continuously paid its annual NCUA insurance premiums and that the NCUA did not issue updated certificates each year.
- Additional evidence connected the defendants to the robbery, including surveillance photographs and testimony linking the stolen revolver to the defendants after the robbery.
- A jury convicted the defendants on all counts in a joint trial.
- Bobby McNeal appealed, arguing (among other points) that the government failed to prove the NCUA-insurance element needed for § 2113 and that the “deposits” wording in the indictment created a jurisdictional defect; he also challenged the sufficiency of the evidence identifying him as a robber and proving the firearm offense.

## Issues

1. Whether the indictment’s allegation that MACU’s “deposits” were insured by the NCUA, rather than its “accounts,” required reversal or defeated federal jurisdiction under 18 U.S.C. § 2113(h).
2. Whether the trial evidence was sufficient for a rational jury to find beyond a reasonable doubt that MACU was NCUA-insured at the time of the robbery.
3. Whether the evidence, viewed most favorably to the government, was sufficient to support Bobby McNeal’s convictions for armed credit-union robbery under § 2113(a), (d) and for using a firearm during the crime under § 924(c).

## Decision

- The Tenth Circuit affirmed Bobby McNeal’s convictions and sentence.
- The court held that using “deposits” in the indictment instead of “accounts” did not require reversal because the variance did not mislead the defense or affect substantial rights.
- The court held that the NCUA certificate (even though in the predecessor’s name), together with testimony about ongoing premium payments and certificate practices, permitted the jury to find that MACU’s accounts were insured at the time of the robbery.
- The court held that the overall trial record contained sufficient evidence to allow a rational jury to find Bobby McNeal guilty beyond a reasonable doubt of the robbery and the firearm offense.

## Legal Principles

- A variance between an indictment’s wording and the statutory term does not require reversal when the indictment still charges the substance of the element, gives adequate notice, and causes no prejudice to the defendant.
- For the federal-insurance element in § 2113 cases, the government may prove insured status through documentary proof and testimony from which a jury may reasonably infer coverage at the time of the offense; a newly issued certificate in the institution’s current name is not required.
- On appellate review for sufficiency of the evidence, the court considers the evidence in the light most favorable to the government and asks whether any rational jury could have found the essential elements beyond a reasonable doubt.
- Questions about the weight of conflicting testimony and the credibility of identification witnesses are generally for the jury, not the appellate court, so long as the record contains evidence that supports the verdict.

## Conclusion

The Tenth Circuit affirmed Bobby McNeal’s convictions for armed robbery of a state-chartered credit union and for using a firearm during the crime, concluding that the indictment’s “deposits” phrasing did not create a reversible defect and that the government’s proof—an NCUA certificate for a predecessor institution plus testimony about continuous premium payments and NCUA practices—supported a finding of insured status and federal jurisdiction, while the trial record as a whole was sufficient to support the jury’s guilty verdicts.


United States v. McNeal, 865 F. 2d 1167 (1989)