Is an IQ of 94 ok for a 16 year old girl?

Yes. You can't control your IQ, so whatever your IQ is, you're always ok. As for what it means, the average IQ is 100, and most scores are between 115 and 85. Your IQ is in that range, and is pretty close to 100, so you're just about average (in terms of intelligence, that is. But you shouldn't let anyone label you as average as a person.)