Your method is imprecise, but your number (85%) is not too far off, but probably a little bit high. As mentioned up thread, there are two main components that determine charging efficiency: 1) the battery, which is about 90% efficient and 2) the car charger itself is 90 - 95 % efficient. So that gives a combined efficiency range of between 81% - 85%. Other losses, such as line losses, etc., will make the number worse.
Battery should be approaching 100% with lower charge rates.