Don,what's your resting battery voltage;do you have a steady-rate charger,rather than a maintainer ?
I have chargers that put-out a steady 1 amp, 2 amps & a steady 6 amps;these are constant-state Schumacher chargers that only taper-off when the battery is fully topped-up and won't accept any more voltage.
I trust them more than electronic 'smart chargers'.
I usually expect to see 13 volts(resting voltage after sitting for a few hrs.)on a new battery that's been fully charged,a bit less on a used one.