Hi welcome to the board, what a beautiful part of the world New York state is, especially this time of year.
Can you upload a photo of her showing her tail, it's probably OK though. I've had a few chipmunks with not so bushy tails, wouldn't say they were ratty though. As you may have seen their tails can inflate sort of, when they pump more blood in their tails get bushier. I've seen mine do that when they are trying to look a bit bigger, under threat or to ward off others.