It can be from injury, genetics or improper incubation. I don't think there is anything a Backyarder can reasonably do to repair it to a bird that age.
I've had hens with broken toes much worse than that and they didn't have any real problems.
I didn't name them trigger. One was called Jaerhon #3 blue leg band. I don't name them.
How do I bandage the foot? I’m afraid to hurt her trying to straighten the toe.