How will colleges look at me? (my specific situation)

GPA: 3.244 (most likely after I finish this year)
GPA (after 1st semester of senior year): 3.438 (this is if I get A’s in my courses next year)
ACT: 30
SAT: 1380 (I may retake this)
EC’s:
1 year of Track (Sophomore Year)
1 year of Fundraising Club (Sophomore Year)
.5 Years of Business Club (Senior Year)
3.5 Years of Piano
3 Years of Martial Arts

I understand my EC’s aren’t stellar but shows I have done something at least. Is it worth raising my test scores for a college like NYU Stern (I feel that I’m not exactly in the best shape also due to my low GPA)?

Stern would be pretty much out of reach.

Maybe I could try to get in to Rochester

have you looked at Syracuse? It’s a fun school, and people on this site keep overestimating what it takes to get in there.

Stern is a pretty high reach for you. NYU (not stern) would be plausible, but Stern is really out of your reach given your lack of EC’s (I don’t really see any interest in business based on your ecs, aside from your very limited experience in senior year with your club). Stats are also kind of low. Indiana University has a great business program and although it still is kind of a reach, I would see that as more plausible?