Are body temp is hotter than 90 so it wouldn't feel hot until its over normal body temp. You don't have a digital thermometer with probe? You need to get one if not. Where is your thermostat probe? Between the uth and tank or inside? If between uth and tank and If your trying to hit a hot spot of 90 you are going to have to set your thermostat higher then 90. The uth has to go through the tank and substrate so your uth might be at 90 but doesn't mean the inside is.
If your thermostat probe is inside then where at? Under your substrate? If so you may need to still set it a few degrees above your target temp to go through substrate. That's why I use 2 digital thermometer with probe. One for under substrate and one for on top.