I'm going to assume you mean "hasn't" and rebuke your statement.
For charisma, again, bubbly energetic teenage girl.
Intelligence, first off yes she literally said she doesn't mind if Zero is cheating on her because heroes love their women (except Lulu, incidentally). On top of that, she embarrassed the shit out of Suzaku in front of tons of Britannians by pointing out how much of a hypocritical faggot he is and reminding everyone that he's an Eleven.
For loyalty, she's been longing to be Zero's waifu since she first appeared.