From what I have seen on here, it is normal for a 100% charge to stop at a little less than 100%. I’ve charged my 2015 S60 to 100% a few times for long trips and it has stopped as low as 97%. Only once did it actually read 100%
However, I think it is definitely unusual for a 90% charge to stop at something other than 90%. I have never seen that happen in the year that I’ve had my car. But that said, the way the car handles the battery after the charge completes while it’s plugged in is different than most people expect. If you have it set to charge to 90% then once the car reaches 90% it stops charging. It won’t maintain the battery at exactly 90%, but it will allow it to drop as the car uses power to maintain its systems. Once the battery drops 4% from where it is set (86% in this case) then it will turn in the charger again and bring it back to to 90, then the cycle repeats for as long as it’s still plugged in. This is better for the battery than constantly trickle charging it to maintain a certain level.
So if what you’re saying is that if the car is set to charge to 90% and has been plugged in overnight or even for a day or two and you get in the car and see that it’s at 88% then that is totally normal. It likely charged to 90%, then allowed it to drop a little between the time it hit 90% and when you got in to drive. Depending on how long it has been plugged in it might have even gone between 86% and 90% several times and you just happened to catch it at 88%
On the other hand, if you have it set to 90% and you are watching it charge and it only gets to 88% and then stops then I don’t believe that is normal.