Following through on what Jim said, the approximate nonlinear relationship of temperature rise in °C to watts dissipated in the relevant temperature range is shown at the link below:
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It shows that (temperature rise in °C) is proportional to (watts dissipated)
⁰·
⁸ .
After taking each of these two quantities to the
1.25 power to eliminate the
0.8 exponent on watts, we get:
Watts dissipated is proportional to (temp rise)¹·²
⁵ .
So (watts @ 65°C) / (watts @ 55°C) = (65/55)¹·²
⁵ =1.23
But as Jim said the watts dissipated in the windings is proportional to the square of the current.
So we take the square root of the watts increase to get the amount of increased current allowed at 65°C:
√ (1.23) = 1.11 or 11% higher output current from the transformer. Since the voltage has not changed the power from the transformer is also 11% higher, which is very close to the 12% that the OP mentioned.