In an abbreviated for dummies:
A larger A/R turbine housing will usually mean more top end flow at the cost of a slightly slow spool time.
A smaller A/R turbine housing will usually spool quicker, but will run out of exhaust flow up top sooner.
The A/R ratio is fully explained in the turbobygarrett site link above. It also relates to the size of the turbine wheel, so not all .96 A/R housings are the same size nor do they all flow the same.