Mike, the load necessary on battery is higher than your numbers. Generally the industry standard test is:
Apply a load equal to ½ the CCA rating for 15 seconds. The voltage should stabilize above 9.6 volts while on load.
To apply a more determined test, you may apply a load equal to 100% of the rated CCA. The voltage should stabilize above 7.2 volts while on
If below 9.6 volts (7.2 volts for the 100% CCA test), recharge and repeat the test. If below 9.6 volts (7.2 volts for the 100% CCA test) again, replace the battery.
Buy a tester that can provide high numbers. Hand held probably can't do. Not sure. I say no less than
This. You can download the instructions on HF website to see how to test before you buy. How they do it is Carbon Pile. (BIG!!!! resistor).
The hand held are more of a "battery health tester".
There may be some tricky wording on the hand held. "can test up to a large CCA rated battery" But can't supply the necessary amps for a proper test. the FLAPS use these hand held and can give false readings. Some don't give readout numbers, just say good/bad. They sure don't hold the applied load for 15 seconds. That's a long time.