The statement in question also disregards Fred and George.
‘I don’t believe it! I don’t believe it! Oh, Ron, how wonderful!
A prefect! That’s everyone in the family!’
‘What are Fred and I, next-door neighbours?’ said George indignantly, as his mother pushed him aside and flung her arms around
her youngest son.
From the outset we must not take this line literally since she forgot Fred and George who are sitting right next to her.
The books only ever mention that Charlie was Quidditch captain outright
You could say I’ve got a
lot to live up to. Bill and Charlie have already left – Bill was Head
Boy and Charlie was captain of Quidditch. Now Percy’s a Prefect.
Edit: Its still unclear Charlie was a prefect, just implied.
As Ghoti has found later in the chapter she does specifically say Ron is the 4th prefect.
We’re having a little bit of a celebration, actually ...’
She gestured at the scarlet banner. ‘Fourth prefect in the family!’
she said fondly, ruffling Ron’s hair.
This quote implies that Charlie is also was a prefect since George and Fred clearly were not. However, even here it doesn't spell it out that Charlie was a prefect, and so you could still say that she could be including herself or Mr. Weasly as one of the four, however, it does strongly imply that she means her children in this instance.
When Harry is made quidditch captain
‘That gives you equal status with prefects!’ cried Hermione happily.
‘You can use our special bathroom now, and every- thing!’
‘Wow, I remember when Charlie wore one of these,’ said Ron,
While less likely now, she could still simply mean that 4 of her children achieved the "status" of a prefect.