What this says to me is that the previous owners borrowed 248 points from the 2013 UY into the 2012 UY (which ended 3/31/2013), leaving you only 72 points for the 2013 UY--the UY you are currently in.
That would mean that these points ARE bankable, if you can't use them for your October trip. You would have until the end of November to bank them.
Hope this helps!