It is difficult to tell what color the water is with these types of tests (but still good tests). A real pain. From the photo, and colors can be off in photos, I'd say it's between 0.25 and 0.50 ppm so I'd call it like 0.40 (just made up some number in between). Many people would consider 0.4 ppm ammonia to be very toxic and suggest all kinds of pretty dangerous "fixes" which causes the owner to start doing all kinds of things in a panic. That can kill fish.
But what you are measuring is called "Total Ammonia". Ammonia in water exists in two states. One if toxic to fish, the other not a huge problem. As water temp and pH change these two types of ammonia move back and forth...Total Ammonia stays the same.
If you go to an
ammonia calculator like this one and type in "0.4" for "Total Ammonia" it will generate a table so you can see how much of the Total Ammonia reading you have is toxic. You need temp and pH too. You want to measure pH once as soon after the sun comes up as you can manage and once in late afternoon. The level of pH goes up and down daily.
Given Ohio in Sept and kind of a pH I would expect, I can see on the chart you might not have a huge problem, but certainly a concern. You should of course actually check temp and pH to be sure.
My suggestion is to first get an idea of cause. If this is a new pond, like under a month, and you added city water and dechorionated the water that could explain some ammonia maybe. Or if you had a green pond that just cleared. That type of deal. That can tell you what would be a good course of action. For example dechorionators normal make the ammonia safe so maybe you don't have any problem.
If the suspect is too many fish for the current system you can create a bio filter, could be converting ammonia in less than a week. So there's time before winter. You would want to watch nitrite levels which would follow. That can be a more serious problem.
I wouldn't panic. Take it step by step. Keep testing so you get an idea of what direction things are going. Possible ammonia is actually on it's way down and nitrite up. Multiple tests tell you. At some point down the road you'll kind of get to know what does what and you won't need to test as much.