I give up...
Welcome to power supply design...
As Mariush suggests, transformer secondary voltage ratings are stated with the output under the rated load current. One way to measure the "quality" of a transformer is to compare the output voltage between full load and no load.
In case you are receptive, I have a few more observations on your design. The capacitor appears to have a high power resistor between the terminals. I assume this was added to either put some load on the transformer to lower the voltage a bit, or to discharge the power supply output fairly quickly when the AC power is shut off. Regardless, the load is going to reduce the net filtering effect of the capacitor. If the resistor is there to discharge the cap, one thing I've done on some crude home projects is use an AC relay to switch in a similar load resistor when AC power is shut off. Turning AC power on energizes the relay, opens the contacts the resistor is wired to, and the resistor load is removed from the capacitor.
You also have the capacitor wired off to the side. The benefit may be marginal, but I'd typically run the load off the capacitor, not back at the rectifier. This puts the capacitor more in-line with your load. Otherwise the inductance of the wiring to the capacitor will also be having a (small) negative effect on the filtering you really get.