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WHICH SKILL AM I LACKING?
It probably depends on who is doing the labeling...
Everybody has their own ideas about how well they understand a language, and depending on who you talk to, you will likely find that you at any one point in time speak the language: horribly, poorly, as a beginner, with difficulty, OK, well, fairly, decently, at an intermediate level, very well, exceptionally, at an advanced level, wonderfully, seamlessly, magnificently, fluently, etc.
Just remember that there is never going to be a time when you can't become better or learn more, so have fun with it, keep learning, and don't get too caught up on labels. (unless, of course, you are applying for a job--In this case always check the label: fluent)
UNDERSTANDING * LISTENING * SPEAKING * READING * WRITING