Hi Hollie,
You seem to have your hands on a better-than-average mall sai tree. Good news: It looks pretty decent, and you can actually turn this into a nice bonsai tree with some patience.
However, the soil it is in is typically poor for bonsai. Note how it is black; that means: Lots of organic material. Not nice, as it drains poorly, re-wetting the soil if it happens to dry out is dificault and when wet, it stays wet very long. As you are at the peak of summer, I would actually repot, in contrast with previous boarder. The reason is: Now you have lots of light, temperatures are good and the plant should be in top condition. So all the right conditions for a transplant.
However.. I would in your case find a club or a knowledgeble person who can help you with this. A good repot is a trick you have to learn, and ideally seen done, if you do not have experience growing plants. (The last I cannot judge!).
repotting later in the year, and you run out of light, which is what ficus loves! (Lots of light, moisture and high temperatures)