Right half Frank Cuggy was born in Walker, Northumberland and played junior football with Willington Athletic in 1908, where he was spotted by scouts from Sunderland. He joined the Roker Park club in March 1909 making his Football League debut in a 3-2 defeat at Aston Villa in February 1910 making 3 appearances in each of his first two seasons before breaking into the team later in 1911. In 1912-13 Sunderland had a stellar season with the club winning the League Championship for the first time since 1902. Sunderland narrowly missed out on the Double, losing the FA Cup Final 1-0 to Aston Villa, Villa themselves were runners up in the League. Cuggy played 32 times in the League and 9 times during the Cup run, including in the Final at Crystal Palace played in front of 122,000 spectators.
Both of his appearances for England came against Ireland. The first was on 15th February 1913 at Windsor Park, Belfast and Cuggy was teamed up with his Sunderland colleagues Charlie Buchan and Jackie Mordue. Although Buchan scored early in the game, England eventually went down 2-1. His second international appearance was also against Ireland a year later on 14th February 1914, when he was joined by his Sunderland colleague Harry Martin who was making his solitary England appearance. The match was played at Ayresome Park, Middlesbrough and England were defeated 3-0. This was the first time that England had been beaten by Ireland on home soil. Thus Cuggy’s England career ended with two defeats from two appearances. He also appeared three times for The Football League.
The outbreak of the First World War then interrupted his football career. After the War he returned to Roker Park for the 1919-20 season, making 38 appearances but in 1920-21 he only played 3 more times and he left the club in May 1921 to become player-manager of North Eastern League Wallsend that July, where he stayed until 1922. In his twelve years at Roker Park, he made a total of 187 appearances in all competitions, scoring four goals.